Stressed About Church Finances? 5 Ways You Can Find Relief

Church finances are a regular source of stress. But here are 5 ways you can combat this stress and take control of your situation.

Stressed About Church Finances? 5 Ways You Can Find Relief

Jesse Wisnewski

Church finances are a regular source of stress. 

As a pastor or church leader, you’re the one bearing the brunt of this load. The unexpected expenses, mounting bills, or a decrease in giving is enough to make you feel like you’re carrying a 20-pound weight on your chest.

But here’s the deal:

You can’t ignore your church’s financial stress for too long.

In time, stress can cause a variety of problems, including:

  • Anxiety
  • Depression
  • Heart disease
  • High blood pressure
  • Eating disorders
  • And more …

Significant financial stress isn’t something you can sweep under the rug. Sooner or later, you’ll trip over it and fall flat on your face with a church financial problem you can’t resolve or a health problem.

You have to face your church's financial stress head-on.

To help you stop worrying, here are five ways you can take control, and find a solution to your problem.

1. Share the load

Do you feel overwhelmed by your church’s finances?

If so, here’s the first question I’d like to ask:

Are you the only person responsible for your church’s money?

If the answer to this question is “no,” feel free to move on to the next tip. However, if your answer to this question is “yes,” then hang tight. We need to talk.

As a pastor, you wear many hats. From hospital visitations and counseling to cleaning and preaching, at some point, you’ll do everything that needs to be done. And this is okay. Servant leadership is a hallmark of being a pastor.

Here's what you need to know:

You’re not called to do everything, every day. In other words, if you’re assuming sole responsibility as your church’s treasurer, it’s time to share the load.

Depending on the size of your church, you may need to lean to the help of a volunteer to manage your church’s books. If you’re unable to hire part- or full-time assistance, consider outsourcing your accounting needs.

Not convinced?

Think about it this way.

If your church has a financial problem, it’s your church’s financial problem—not your’s alone.

If your church’s financial situation is causing your stress, it’s best to walk in the light, be open with your leadership, and share the good, bad, and ugly news with your church.

By being open with your church’s financial situation, you’ll be able to share the burden with the other members of your church, which can be a huge relief as you figure out how to fix your situation.

2. Clarify your stress points

Stress has a way of making things appear bleak.

There may be a few things causing you to worry about your church’s finances, but the stress you feel can lead you to believe that your situation is hopeless.

To help you redeem your financial situation and overcome the stress you’re feeling, take time to clarify exactly what’s causing your anxiety.

Right now, write down the answer to this question:

What are the 1-3 most significant sources of financial stress you’re facing in your church?

If you identify more than three sources, prioritize which ones you need to address first. In the short-term, focusing on more than three problems to solve may increase your stress—not reduce it.

Do you know what’s causing you stress?


Let’s move on to the next task.

3. Determine what you can change

What sources of stress can you change?

Are there specific and realistic steps you can take to solve the problem?

Before you start significantly reducing expenses, it’s best to invite your church’s leadership into this process. With their support, work through your church’s current budget, income, and expenses.

This process may be something you can accomplish together, or, if you serve in a larger church, consider inviting your staff into the mix to help you think through ways your church can save money.

4. Get outside help

In the life of your church, there will be times when you and your leadership will need outside help to overcome a problem. Overcoming problems, in particular, financial issues, can be difficult when done alone.

By leaning on the help of an expert outside of your church, you’ll be able to tap into a different perspective, find encouragement, and perhaps a new approach to solving your problem.

If you’re looking for outside help, we recommend contacting our friends at Generis.

Their team possesses a wealth of experience, and they can provide the seasoned support your church needs to overcome your situation.

5. Trust the Lord

In the end, keep your eyes on Jesus.

Stress of any kind has an uncanny ability to lead you to become distracted by what you see—not in who you believe.

Regardless of the financial situation of your church, fight for faith in Christ.

Read the Bible.

Memorize encouraging Bible verses.

Regularly pray.

Seek comfort and counsel from your Christian community.

Throughout this process, the Lord will guide your steps, lead your church, and give you his peace.

Overcoming your church’s financial stress

Still not sure what step you need to take next?

Then I encourage you to do one of two things (or both):

  • Get your church’s leadership involved
  • Reach out for help

Remember, you’re not alone.

There are people inside and outside of your church who are able to help you. Pick up the phone, and reach out to someone. You’ll be thankful you did.

Why Write Church Donation Letters?

In a previous blog post, I shared the different ways your church can thank donors—from automated emails to year-end giving reports. Printed donation letters also play an essential role in your church’s stewardship efforts.

Donation letters are the Swiss Army knife of your church’s gratitude arsenal. It may not be the most powerful—but it’s versatile, handy, and gets used often.

Your basic church donation letter can serve many different purposes, including:

  • Acknowledging that you received a donation
  • Thanking the giver for being generous with their finances
  • Sharing other ways the person can support your church
  • Allowing the donor to write the gift off on their taxes
  • Encouraging supporters to make recurring donations
  • Requesting future donations from church members

A single, well-crafted donation letter can pull together several of these things simultaneously. Better donation letters lead to more giving, which leads to more donation letters—thus creating a cycle of on-going church generosity.

Church Donation Letter Samples

Here’s the good news—you don’t have to write an individualized letter for every person who gives to your church. That would be tough to do for even smaller churches. And most donors don’t expect you to. They’d rather you be putting their gift to better use in the community, instead of ceaselessly writing thank you notes.

With the possible exception of some unique circumstances, your church can use template language for the majority of your church donation letters. You’ll have to add in custom details like the donor’s name and gift amount, but you can write everything else in advance.  

To make this even easier on you, here are a few basic church donation letter templates you can copy and paste. Keep in mind that not all of these have to be in print—you could just as easily turn some of these samples into email appeals.

1. Donation Acknowledgment Letter

The Donation Acknowledgement Letter is a basic way you can confirm and affirm a monetary gift to your church. Sending these is standard practice in church and nonprofit culture.

Dear [first name],
I want to personally thank you for your donation of [gift amount] to [church name]. We’re honored you would bless us with your generosity. Donations like yours make a big difference in the work our church is doing in the community.
Without givers like you, our church can’t have an impact or influence in our community. With your support, we’re partnering with local nonprofits, sending out global mission trips, and hosting small groups on topics that help real people like you. Together, we can make a difference.
Because we’re a tax-exempt nonprofit, you also get to write this donation off on your taxes. This letter serves as official proof of your donation, so keep it in your records come tax season. At the end of the year, we’ll also send you an annual recap with how much you’ve given to the church.
Thank you for supporting [church name]!
[your name]

2. Donation Request Letter

Not every church member realizes the importance of giving, or understand Bible verses about tithing and giving.  So a Donation Request Letter helps to spread that awareness and encourage a spirit of generosity.

Dear [first name],
How are the finances in your household? That was a rhetorical question, so you don’t have to answer—besides, this is a letter so we wouldn’t hear you anyway. But we still want you to think about that question.
Money is a uniquely human issue, one we all struggle with to one degree or another. Even if you’re financially blessed, you still have the burden of stewarding your money wisely. And we believe that one of the best ways to invest your money is into the local church.
Tithing (giving 10% of your income) on a regular basis not only supports the work we do at [church name]. It doesn’t just support local missions and community growth. It also shows an obedience to God by making his work a financial priority in your life.
So if you find yourself ready to put God first in both your heart and your wallet, we encourage you to make a one-time gift or sign up to make recurring donations. That way, you won’t have to ever wonder again about the financial status of your household.
[your name]

3. Monthly Giving Letter

Many church donations aren’t just one-time gifts. Plenty of givers contribute monthly—and that should be acknowledged.

Use this template to correspond with recurring givers.  

Dear [first name],
Thank you for being an active and faithful member of our church community. By giving to our church on a monthly basis, you’re showing that our church has a meaningful place in your heart. We just wanted to write this to let you know that you’re in our heart, too.
Donating to the church monthly allows us to preach the gospel, make disciples, and support others in our community who need help. Others like the local food bank and the nearby homeless shelter. We’re answering the cry of the needy, and it’s all thanks to contributors like you.
We earnestly appreciate your ongoing support and want to let you know we’re here for you. If there’s ever anything we can do for you and your family, don’t hesitate to reach out. You are a valued member of our church family. And you’re financial support is making a difference.
[your name]

4. Year-End Giving Letter

At the end of each year, it’s customary to give your church supporters a summary of their gifts. The primary reason is for tax purposes, but it’s also a way to recap everything your church has done over the past year with their support.

Dear [first name],
You’re getting this letter because you gave to [church name] at some point during the past year. That might have been a one-time gift, or recurring donations. Either way, we want to thank you for your generous support. Every contribution helps.
One of the official reasons for this letter is for tax purposes. That’s right—you get to write these donations off on your taxes. Which is why we’ve included a summary of all the contributions you’ve made to our church this year.
But the other reason for this letter is to let you know what we’ve done with the money you gave. We take stewardship very seriously, which means we value spending our time and resources wisely.
During the year, our church supported local nonprofits, sent global missions teams, and baptised quite a few people. It was a great year for us—thanks in large part to donors like you.
So thank you for your support of our church, and we hope you’ll consider continuing to contribute to our mission in the coming year.
[your name]  

5. Church Fundraising Letter

Sometimes you need to make a more significant financial push using tried and true church fundraising ideas. Some churches call this a Stewardship Campaign or a Church Capital Campaign. Either way, the goal is to raise a certain amount of money for a big project. And typically, a solid letter of appeal is an integral part of that.

Dear [first name],
God has a plan for everyone and everything. That includes you, and it includes [church name]. None of us can fully know God’s plan—the best we can do is pray and listen for clarity. Our church leadership has been doing just that and are excited to announce our latest church project.
[Detail the outline of the major church project—this could include a building campaign, or raising support for a global mission trip. Anything specific to your church that requires a fundraising letter. Be sure to include a fundraising goal so everyone knows what you’re shooting for.]
But we can’t pull this off without your support. Whether you give to the church on a regular basis, or just attend on occasion, we’re asking you to consider contributing to this massive undertaking prayerfully. It’s something we need our entire church community’s help with.
Even if you can’t make a large gift, know that every little bit helps. It’s more about coming together as a community united behind a common cause. We hope that you’ll consider making a donation towards this great step forward that we’re making together.
[your name]

Tips when writing church donation letters

It’s not enough to just copy and paste this content and send away. The key to an effective church donation letter is a touch of personalization. Follow these tips to take your donation letters to the next level:

  • Examples: Add specific examples of how your church will use the donation. Tell a story about the work your church is doing in the community and connect that with giving.
  • Personalization: For regular donors, don’t be afraid to add a short, handwritten personal note. This shows that you’ve singled them out with praise.
  • Timeliness: Sending donation letters quickly reminds people you’re thankful for them. But this also takes organization and efficiency. All the more reason to use pre-written templates.
  • Storytelling: Everything is better with stories—including donation letters. Weave in a specific narrative of how your church is making a difference and how the money will be used.

There’s no one right or wrong way to write a donation letter or request contributions. You’ve got to do what is right for your church and congregation. But if you stick to these general tips, you’ll probably start to see some traction when it comes to giving.

What’s next?

Most people don’t love talking about money in church. But it’s a necessary and vital part of your church. And maximizing your efforts when it comes to donation letters will help make those conversations more comfortable. So what do you do next to put this into effect?

  • Customize these letters: Take the samples above and make them work for your church. Personalize the content. Remove the stuff that doesn’t sound genuine and add in stuff that does. Remember that these are just a starting point.
  • Create some systems: Develop processes that make it easy for you to replicate sending donation letters. Use a letter template that allows you to drop in names and details. Then develop guidelines for when these letters will be sent out.
  • Empower a champion: Find out who is going to be responsible for making these letters happen. Rather than thinking of this as adding more work to their plate, think about how you can elevate their work. This could be a staff member, or a volunteer.
  • Start sending: All of this will be for nothing if you don’t actually send out the letters. Take the time to get it right and get them into the hands of your church donors.

And if you’re looking for ways to grow your church’s giving capacity, Tithely can help.

We provide several different ways your church members can support your church financially—from online giving, text to give solutions, and giving kiosks.

Tithely’s systems make it as easy as possible for people to give to your church. Now all you need to start doing is generating a culture of gratitude. There’s nothing standing in your way. Go unleash generosity in your church.

How does your church use donation letters to spread generosity? Share your thoughts in the comments below!

Editor's Note: This is a guest post from Robert Carnes. Robert is a writer and storyteller. He's the author of The Original Storyteller: Become a Better Storyteller in 30 Days. A former church communicator and nonprofit marketer, Robert works as a managing editor for Orange in Atlanta.


Stressed About Church Finances? 5 Ways You Can Find Relief