Who pledges how much? Why pastors should know

November 20, 2015

An older pastor told me that most church members prefer that their pastor not understand anything about money. “That way they can more easily live by the myth that their faith and their money don’t go together,” he told me. Then he challenged me: “Your job as a spiritual leader is to correct them every week, and it starts by letting them know you understand the church’s financial picture better than they do.”

Does understanding a congregation’s finances include knowing how much each congregant gives? Ask ten experienced pastors this question and they’ll be split down the middle. One of my colleagues felt strongly that he needed to know; he compared not knowing what people gave to a doctor not knowing a patient’s blood pressure. “It’s a matter of spiritual health,” he said.

A development professional in my congregation went even further, suggesting that a pastor can and should influence givers one on one. “They shouldn’t be chasing down small pledges when they can cultivate relationships with the most generous folks in the congregation.”

But others fear that the integrity of pastoral care will be jeopardized by such knowledge. Pastors may end up favoring big givers or dismissing the lesser givers. These pastors point to Jesus’ teaching about the right hand and left hand not knowing about the other when it comes to almsgiving (Matt. 6:3).

I believe that my leadership has been more effective when I know who’s giving what to church. The information helps me be sensitive to the situations that influence a member’s giving. In one case, I knew that tuition payments were burdening several families, and I was able to empathize and acknowledge this when talking about stewardship. In other cases, a significant drop in pledges indicated the loss of a job or a failed marriage. I believe that I ministered more sensitively because I was aware of these financial changes in the givers’ lives.

Sometimes knowing what someone is giving can alert us to a challenging moment in congregational finances. When I saw that our congregation’s largest giver was almost 100 years old, I alerted the finance committee. We developed a strategy and avoided the hand-wringing anxiety that this significant drop in income would have precipitated.

And when a member gave a significant gift over and above what was pledged in a difficult year, I was able to personally thank him. Silence was not an option. To not offer thanks may put the relationship at risk or cause a giver to hesitate the next time.

One pastor who knows what his members pledge intentionally fosters relationships throughout the year with the congregation’s top 25 givers. He speaks about the privilege of being able to discuss the church’s vision, mission, and strategies with those most interested. In contrast, another pastor who does not know what people give lives with a general anxiety about budgeting and finance, an anxiety that is easily heightened when someone leaves the church.

A pastor must speak up in discussions of financial matters even though he meets with resistance. He may receive a condescending re­sponse from the treasurer, or a reluctant response from a committee member who’s convinced the pastor just doesn’t understand the numbers.

A lifelong member told one pastor that she should “stick to spiritual things” and remember that “God will provide.” A minister of one large congregation reported that her talk about living out a spirituality of abundance was consistently challenged with talk about how “a deficit year is not going to happen on our watch.”

Pastors can respond to these situations by learning about a congregation and its finances. Some do this by earning an MBA. Others find a colleague, family member, or trusted and knowledgeable person in the congregation who can help them learn to read financial reports. They learn to ask questions—preferably before and after the meeting rather than during it, and to know the content of the report better than anyone around the table.

In addition, pastors can study financial history in annual reports and study giving patterns. After I heard the complaint that “there are too many people not pledging,” I looked into the matter and learned that the pledge percentage as related to worship attendance was reasonable and that the real challenge was that 80 percent of the pledges hadn’t increased in five years. Then I could help shape the conversation.

In our congregation we finished several fiscal years with a surplus, and the finance chair would regularly refer to this surplus as “the rainy day fund.” Every time she said this I responded good-naturedly with, “It’s not the rainy day fund, it’s the accumulated surplus.” I knew that a rainy day fund is usually reserved for broken boilers or leaking roofs, while “accumulated surplus” suggests funds available for new ministry, outreach, or mission initiatives. The language we use to talk about money communicates theological values.

A strong relationship with the church treasurer, business administrator, or finance chair is tremendously important. And it’s important for the pastor to be honest about the role he or she will play in the financial picture. It could be a vision of the glass half full compared to the treasurer’s half empty approach. It may be the voice of assurance and confidence to the finance chair’s chronic year-end anxiety. Or it may be an attitude of celebration and gratitude.

Whatever the role, any pastor in­volved in a congregation’s financial matters will need theological conviction, a commitment to the pastoral office, and a desire to contribute to the congregation’s future.


Letter from Susan Presley

Dave Davis starts out this article with a few straw-man arguments and spends the rest of his time kicking them down. This saddened me, since the topic is such an important one.

As a new pastor who’s not young (I’m 52), I’ve watched with interest the new trend of pastors knowing how much members pledge. However, Davis’s assumption that those who don’t want the pastor to know their giving practices “prefer that their pastor not understand anything about money” is not accurate, at least in most cases.

Giving is a spiritual discipline—it cannot be separated from other spiritual matters, as it’s mentioned so frequently in scripture. The purpose of giving, though, should be to foster relationships with God, not to meet budgetary needs.

Davis’s reference to fostering a special, private relationship with a congregation’s top 25 givers made me wonder if those givers also have a special place to sit during the church service, while those who give less (or not at all) are told to sit on the floor, near the pastor’s feet. Special treatment of higher givers means the church and its decision-making processes are open to the highest bidders, and that’s frightening.

Finally, the argument that the pastor should know who gives what in order to be aware of major life changes in churches is flawed. A treasurer or financial secretary can easily let a pastor know a change has occurred without mentioning specific dollar amounts.

Susan Presley
Mendota, Ill.