At the end of May, we described the five stewardship confusions. On our 24 June 2014 post, we looked at the First Stewardship Confusion, the confusion between fundraising and stewardship. Today, we will look in depth at the second one:
Confusing lack of direct conversation about money with an inability to discuss financial matters.
Here is an example of a conversation we often have:
Leader: You know, talking about money with this group is going to be pretty hard. I don’t know if it’s possible.
Us: How do people talk about it already?
Leader: Well I don’t think anyone would state directly how much money they make a year if you asked them.
Us: Probably not. Perhaps they discuss money in other ways?
Leader: They certainly discuss the budget when it comes out each year. I think the meeting minutes usually state something like “Vigorous discussion followed.”
But yeah, they discuss the vacations they take, complain about the cost of home maintenance, and their kids’ college costs, wondering about retirement, and so on. And of course people discuss the cars other people drive and the clothes they wear – but usually not directly with the people under discussion.
There are three basic issues going on in this conversation:
- The Leader doesn’t think it is possible to discuss money, since people don’t like to talk about it.
- People express money issues in a variety of ways, and discuss them quite a bit indirectly.
- The primary history of direct conversation about money appears to have been contentious, but the Leader doesn’t state that directly.
In order to overcome this confusion, steward leaders have a few options to look at things from new angles. Here are some things we have found:
- Most people get paid around twice a month – some get paid every two weeks, or a little more than twice a month. Most people think about money from a few days before they get paid to a couple of days after. In other words, from about the time it begins to run a bit short to the time most of the bills get paid.
- It is true that most people don’t like to talk about money directly with others outside their household. However, many people talk about it indirectly – verbally and through their actions.
- A household’s financial position changes its perspective and shapes its assumptions.
- Many organizations don’t talk about money unless they are asking for it and that on a periodic basis; most of their constituents think about it frequently.
- Poor financial practices in households in an organization’s constituency will negatively affect the organization’s capacity for financial health.
- Working with donors’ and constituents’ areas of felt needs, alongside teaching on theology of finances when not directly asking for funds, can build organizational capacity to discuss finances in a non-defensive manner that can build toward greater generosity.
- Some churches begin to open the door to financial conversations by hosting Financial Peace, Good Sense, Crown Financial Concepts or other personal finance seminars or classes. They then create space in their worship service or in their publications for people to share their success stories.
- The average household in the US holds $7,089 in credit card debt ($15,191 for indebted households, averaging to the lower number for everyone all together, with 46-47% of households indebted). Add to this the average mortgage of $154,365 and student loan debt of $33,607. This contributes to financial guilt and shame in many households, as well as reducing their capacity to give. Steward leaders often have to address this issue before generosity can improve organizationally.
 http://www.nerdwallet.com/blog/credit-card-data/average-credit-card-debt-household/ accessed 24 April 2014.