How to shock a deacon (and other things you might not be aware of)

We were just starting to raise support ahead of moving abroad and had, with the help and advice of our sending organisation, put together a provisional budget. We felt it was realistic and certainly well within the bounds of what we'd been told to expect by our organisation. The elders and deacons of our sending church had come over that evening to talk through our financial needs. I made everyone a cup of tea and pulled out a box of homemade cookies. My husband handed out copies of the draft budget. As everyone started to digest the contents of the sheet, one of the deacons skipped straight to the bottom of the page. As his eyes alighted on the total figure at the bottom, he almost fell off his chair in shock and surprise. 

It wasn't the most auspicious start to gathering financial support, even if it does make for an amusing story now. Yet by God's grace, we have been and continue to be well supported financially in our work here. But in Western cultures (or, at least, British culture), where we often try as best we can to skirt around the subject of money, financial support for cross-cultural workers never seems like an easy topic to talk about. 

A couple of weeks back we had another worker family come and spend a few days with us. They're good friends in a similar life position to us and we talked openly and honestly about a whole number of things, including issues surrounding financial support for workers.

The details of these conversations aren't pertinent and I don't want to expound on them here but I want to flag them as questions that we pondered and discussed. No issue has a clear right or wrong answer but comes down to how to apply wisdom depending on the person and situation. 

• Different support models: salary; raising support according to a budget; partial self-support
• Saving and investing for retirement, particularly coming from a culture where there is the expectation that individuals fund their own retirement in one way or another.
• Whether and how much to save for our children's futures, so as to be able to contribute in some way towards young adult expenses such as driving lessons, weddings and university education.
• The pressure to make sure that holidays don't look too luxurious, including avoiding or limiting photos on social media.
• Consciousness of how spending decisions 'look' to supporters back home, for example getting paid cleaning help in the home.
• Feeling the need to justify certain decisions, for instance how what might have looked like an extravagant holiday was actually a thrifty option.
• Balancing the cost of different education options (private schools, national schools, home education) for children with other factors.
• The interaction and balance between 'secular' work (where that is required in order to get a work visa to stay in the country), 'ministry' work, the salary for that secular work and additional financial support from ministry partners. 
• Whether and how much to explain to supporters about the particular pressures that come about from living and serving in a cross-cultural context and how that impacts spending decisions.

And there are many more related questions that we didn't cover. These considerations are not all unique to cross-cultural workers but they do take on a particular significance when you rely on financial support from churches and individuals to live and work. Some of them weren't questions that we'd necessarily thought much about (or at all) before we came out on the field. 

Why am I sharing this?

Most of us instinctively shy away from financial topics. They can be uncomfortably gray areas to discuss. But they are very real issues for workers, and for others in Christian ministry. I'd like to suggest that we get a little more comfortable talking about these things but I'm not too sure if that's realistic for most of us. I'd be content to raise awareness of these issues, to say that these are things that cross-cultural workers are thinking about. We feel the responsibility to steward well the resources - not just money, but time, energy, language ability, Bible understanding and knowledge, spiritual gifts - that we've been given by God. We don't take support for granted but are truly grateful for it. We deeply desire to do the right thing when it comes to living on support - the right thing for us, for our families, for the local church that we serve and for God's glory. And we wrestle with what that right decision is. An innocent comment from a supporter about a holiday we've taken can cut deeply. We might be serving abroad but we're still sinners, a bundle of Christ-exalting intentions moderated by pride and the fear of man, and that impacts our choices too.

We are fortunate to have generous friends who urge us to remember our human frailty and to invest in looking after ourselves so we can keep serving. We're grateful for our partner churches' and individuals' support, for our sending organisation and for older, wiser cross-cultural worker friends, who have helped and advised us on some of these areas. We also know others who've struggled with one or more of these areas.

I don't make that cookie recipe much any more, but whenever I do I think of that evening with the elders and deacons. We had a good conversation that evening and I think everyone went away a little better informed of some of the financial considerations and factors involved in being a worker overseas. 

Let's talk and think and learn more about financial considerations for cross-cultural workers.