The #1 Objection to Online Giving

When it comes to online giving, the number one objection we hear at INJOY Stewardship Solutions is fees. No one likes paying fees.

The average fee for online giving is anywhere from 2-4%. It feels like a loss of resources which could be leveraged for ministry and life change.

But the question begs, is the fee worth it to begin online giving?

The truth is when you set up online giving, you are not taking 2-4% from people who are already giving cash.

You are actually now getting 97-98% from those who were previously not giving at all. It is not a transition or removal of current giving.

You're creating an onramp for people who are currently not engaged in the generosity and discipleship journey.

The bottom line is would you rather have $97 or $0?

Ultimately, people give more money online than through the passing of the plates during the service.

Think about it – how much cash is in your wallet right now? If you are like me, not much.

Therefore, on Sunday mornings you are passing the plates to people with little or no cash on hand.

Paying minimal fees is worth it!!!

During our recent Complete Stewardship 1-Day Online Summit, we discussed the topic of online giving.

Click the button below to access this free coaching session from Craig Fatt of GiveInJoy Giving Solutions, LLC.

During this session, Craig discusses the different objections to online giving, as well as how to create generous givers at your church.

Can Digital Giving Help Your Church Exceed Budget?

Several years ago a study was conducted of over 1,000 churches to discover how many were below, meeting, or exceeding budget.

The results were startling!

  • 80% were below budget. That’s right – 4 of every 5 churches could not even do the minimum of what God was asking them to do because of a lack of funding.

  • 14% met budget. However, these churches still had no margin to do anything unexpected God might call them to do. In fact, they were broke!

  • Only 6% exceeded budget. Less than 1 out of 10 churches.

The study then dove into the 6% of churches to discover what common threads might exist.

The Common Denominator - Online Giving

The #1 thing churches did to exceed budget was prioritize, promote, and have a documented system for digital giving. 

December is clearly the most important month for exceeding budget because of year-end giving.

While a successful year-end strategy is vital to exceeding your church’s annual budget, I would like to make the argument for the two months of April and May.

Yes, April and May.

Why? Because summer was coming. 

If a family’s giving is automated, then vacations, leisure, and travel sports will affect only attendance patterns, not giving patterns or the ability to deliver ministry.

Furthermore, digital giving was found to be the #1 item which prevents a giving slump.

To help you maximize digital giving at your church, we have created an Online Giving Checklist that is a must-have for church leaders.

Get your copy, today!

Make sure you don’t miss anything which could help you fully-fund the mission and vision God has given you.

35 Leadership Quotes and Lessons From John Maxwell on Sharing Your Faith

The following is a post from Brian Dodd, Director of New Ministry Partnerships and can also be found on his site:

For the next two days I will attending The Gathering Conference.  The Gathering happens every four years and is chance for the finest Wesleyan pastors in America to gather and discuss today’s leadership issues.  I will be representing INJOY Stewardship Solutions and while here will be bringing you some of the quality leadership content provided.

As a gift from INJOY Stewardship, click HERE to download the most popular coaching session I conducted in 2018 – The Seven Giving Systems Every Church Needs To Be Fully-Funded.  This informative session will help you have all the resources needed to carry out this year’s ministry plans.  Simply click HERE or on the image provided to get your complimentary coaching.

The evening’s plenary speaker was the incomparable and legendary John Maxwell.  For those who may be new to this site, John is my spiritual hero and someone I had the pleasure of working for six years.  There is no one I admire more.  If you have not done so already, you should purchase his new book Leadershift: The 11 Essential Changes Every Leader Must Embrace being released the first week of February.

The following are 35 Leadership Quotes And Lesson From John Maxwell I captured from his incredible session on sharing your faith:

  1. My might as well laugh at yourself. Everyone else is.

  2. My life changed dramatically when I left the pastorate and went into the business community to be salt and light there.

  3. Should an old person talk about remembering?

  4. I have had a couple of times in my life when I forgot what it was like in Egypt… I forgot the deliverance in my life Christ has done for me.

  5. I was so focused on getting my church relocated I left my first love (winning souls).And I forgot.

  6. In losing my way, I lost my heart for reaching lost people.

  7. God spoke to my heart and said, “The rest of your life you’re going to spend your life in the business community.”

  8. I was so busy as a pastor doing church stuff I wasn’t reaching people for Christ.

  9. If you lose your way you have to have a blueprint.

  10. What are we going to do about the 53% of the people who never come to our church? They’re never coming to church.

  11. Are we called to a church or are we called to a community? Is my passion as great for people not coming to our church as those who are coming to our church?

  12. We must be intentional to add value to lost people. Paul did it by serving people.

  13. I have to add value to people first before having the credibility to share Christ.

  14. Before we share our faith let’s get people to like us.

  15. Include everyone.

  16. It’s amazing God loves us.

  17. God loves people I don’t like. Therein, is the problem.

  18. God is love. We would rather correct people than connect with people.  God doesn’t change us to accept us.  He accepts us to change us.

  19. The 101% Princple – Find the 1% you agree on and give it 100% of our effort.

  20. We must know who we are in Christ.

  21. I don’t have to be like them to reach them but I do have to like them to reach them.

  22. You got to out there where the people are.

  23. You have to be intentional to enter their world.

  24. When you enter their world you’ll be moved with compassion. The more you are with them you will love them.

  25. When you hear how messed up their world is you will have compassion on them.

  26. We must be intentional in experiencing things from their point of view.

  27. 95% of the time I hang with sinners and I mentor a lot of lost people.

  28. I’m trying to get people saved.

  29. Don’t you just love it when athiest ask you to pray.

  30. Be intentional to creatively move people toward God.

  31. I believe everyone wants to know God.

  32. The reason people don’t know God is they have a wrong picture of God.

  33. It will be amazing how much God helps you when you hang around lost people.

  34. I think the greatest gift I can give Jesus is thousands and thousands of people in Heaven who will say, “John, it is you who invited me here.”

  35. There is only one thing that counts in Heaven.  The only thing that counts is when we share the good news of the Gospel and they receive it and their life is changed.

John is simply amazing!

Once again, if you have not downloaded my free coaching on the 7 Giving Systems Every Church Must Have To Be Fully-Funded, click HERE or on the image below.

Live Blog From The Gathering Conference – 25 Leadership Quotes And Lesson From Efrem Smith

The following is a post from Brian Dodd, Director of New Ministry Partnerships and can also be found on his site:

For the next two days I will attending The Gathering Conference.  The Gathering happens every four years and is chance for the finest Wesleyan pastors in America to gather and discuss today’s leadership issues.  I will be representing INJOY Stewardship Solutions and while here will be bringing you some of the quality leadership content provided.

As a gift from INJOY Stewardship, click HERE to download the most popular coaching session I conducted in 2018 – The Seven Giving Systems Every Church Needs To Be Fully-Funded.  This informative session will help you have all the resources needed to carry out this year’s ministry plans.  Simply click HERE or on the image provided to get your complimentary coaching.

The evenings plenary speaker was Efrem Smith.  Efrem is a consultant, speaker, author and co-lead pastor of Bayside Church Midtown, a thriving and multi-ethnic community.  He is passionate about life transformation, racial righteousness, thriving churches and community development.

The following are 25 Leadership Quotes And Lesson From Efrem Smith I captured from his incredible session on stopping and dying to ourselves:

  1. When you are in a rushed, busy world the last thing you want to do is stop.

  2. Stopping is not preventing me from what I’m called to do.

  3. Maybe stopping is a blessing.

  4. We need to stop to discover the love God has for us.

  5. In your true identity you are loved by God as you are.

  6. We are not of this world.

  7. The world does not know us because we are not of us this world.

  8. The world does not recognize you. But that’s OK.

  9. My citizenship is in another place.

  10. We need to stop in the name of love to discover our love for one another.

  11. Sin brought dysfunction.

  12. We should give God glory through a multi-ethnic, multi-cultural, Christ-centered mosaic.

  13. From the beginning we were made to be beloved and love one another well.

  14. We need to stop and discover a love that unleashes compassion and justice.

  15. Kingdom justice comes out of the overflow of love and humility.

  16. Sustained anger rooted in deep unforgiveness doesn’t produce Kingdom justice.

  17. We know how to address racism and sexism.

  18. Busyness and rushing ministry might be breaking the heart of God.

  19. The most revolutionary thing God did is when God stopped.

  20. There was a day when the whole world got dark and Jesus stopped on the cross.

  21. The day God stopped, love moved.

  22. If God stopped, you and I ought to stop.

  23. Jesus laid down His life and you and I ought to lay down our lives.

  24. There are some things we’ve got to die to before we preach.

  25. There are some things we’ve got to die to before we pray.

What an amazing way to start the event!  Make sure you check back tomorrow evening as the plenary speaking is none other than my spiritual hero, Dr. John Maxwell!

Once again, if you have not downloaded my free coaching on the 7 Giving Systems Every Church Must Have To Be Fully-Funded, click HERE or on the image below.

Reflections On An Incredible Year

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A Message from our President & CEO, Joe Sangl:

Ministry friends,

First, let me say a huge “Thank You!” to everyone who has given your input on an online conference we’re going to be providing early next year. Your feedback is invaluable to us as we prepare for that special event. I can’t wait to share more about it with you! Expect to hear more about it shortly after the new year begins. As you might imagine, we’re #FiredUp.

Here’s the primary reason I’m writing you today. I recently joined with our team for our annual meetings. During this time, we reflect on key ministry wins, celebrate the incredible ways God has shown up in our partner churches, and challenge ourselves to grow and improve.

As we reviewed some of the key data, I was so excited, energized, and encouraged that I felt compelled to share some of this data with each of you.

Here are some items that stood out to me from a review of the past few years:

  1. 45 States (USA), 4 Provinces (Canada), Australia - We’ve led capital stewardship campaigns for churches in 45 US States, 4 Canadian Provinces, and even a church in Australia!

  2. $472,042,155 Committed - The total of sacrificial commitments – above and beyond regular tithes and offerings – are nearing half a billion dollars!

  3. Lives Changed - Nearly every church reported salvations occurring during their campaign! This is our passion – to help churches lead their congregations on a spiritual journey that results in increased faith and a fully funded vision.

  4. 94,905 Church Leaders - We’ve had 94,905 church leaders trust us enough to provide their email address to us. This allows us to communicate with leaders throughout the year. We don’t take this trust lightly. With each email message we send, it is our goal to: (a) provide helpful content, (b) help you advance in your leadership and stewardship knowledge, and (c) offer a next step to move forward toward the vision God has given you.

  5. Churches of All Sizes - We’ve been able to serve churches with regular attendance of 80 people each weekend all the way to churches with 14 campuses and regular attendance greater than 20,000 people – and all sizes in between. Here is one common component with all of these churches: God is moving powerfully in each one!

  6. 26 years – and still growing! Since Dr. John C. Maxwell founded ISS in 1992, the focus has always been on helping churches fund the God-given vision and being a friend to pastors. That same vision still burns within the hearts of every one of our team members.

 We’re so grateful to be able to participate in work that results in more people being reached with the Gospel and in Kingdom Expansion. As you embark on your work today, be encouraged and know that the Kingdom of God is expanding.


Joseph Sangl
President & CEO
INJOY Stewardship Solutions

10 Practices of Pastors Who Preach on Money and Generosity Effectively

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Effective preaching is critical to increasing generosity in your church. In 1 Chronicles 28-29, King David stands before the nation of Israel and calls them to sacrifice for the construction of Solomon's Temple. From that text, the following are 10 Practices of Pastors Who Effectively Preach on Money and Generosity.

1. Pastors who successfully preach on money and generosity speak with their leaders first. 

1 Chronicles 28:1 - "Now David assembled at Jerusalem all the leaders of Israel, the officers of the tribes and the captains of the divisions who served the king, the captains over thousands, and captains over hundreds, and the stewards over all the substance and possessions of the king and of his sons, with the officials, the valiant men, and all the mighty men of valor."

You cannot leapfrog leaders. Nothing offends leaders more than hearing important information at the same time as the "rank and file".

2. Pastors who successfully preach on money and generosity talk to the congregation second.

1 Chronicles 28:2 - "King David rose to his feet and said, 'Hear me and my brethren my people." 

When asking for financial resources, go to the people only after the leaders who have been informed and brought in.

3. Pastors who successfully preach on money and generosity use passion to speak to people's hearts.

1 Chronicles 28:2 - "I had it in my heart to build a house of rest for the ark of the covenant of the Lord, and for the footstool of our God."

King David was personally invested, allowing him to then translate his commitment to the people.

4. Pastors who successfully preach on money and generosity use facts to speak to people's minds.

1 Chronicles 28:2 - "and had made preparations to build it." 

Financial leaders, in particular, want to know the project has been well thought-through and is doable. King David communicated he had a plan.

5. Pastors who successfully preach on money and generosity point to a brighter tomorrow.

1 Chronicles 28:7 - "I will establish his kingdom forever, if he is steadfast to observe My commandments and My judgments, as it is this day."

King David gave his people hope and courage that they could move into a preferred future.

6. Pastors who successfully preach on money and generosity give clear, detailed instructions.

1 Chronicles 28:8 - "Be careful to seek out all the commandments of the Lord your God, that you may possess this good land, and leave it as an inheritance for your children after you forever."

The phrase, "Here is what I want you to do" is powerful. You must provide easy next steps for your people.

7. Pastors who successfully preach on money and generosity give the audience the tools and resources needed for success.

1 Chronicles 28:21 - "Here are the division of the priests and the Levites for all the service of the house of God; and every willing craftsman will be with you for all manner of workmanship, for every kind of service; also the leaders and all the people will be completely at your command." 

People must want to help fund your ministry, and must also be able to fund your ministry. Give them the needed tools, specifically personal financial coaching and online giving options to do so.

8. Pastors who successfully preach on money and generosity focus on God.

1 Chronicles 29:1 - "The temple is not for man but for the Lord God." 

This is the difference between a spiritual journey and a fundraiser. A fundraiser focuses on money or the project. A spiritual journey focuses on attaching people to the heart of God and watching them respond appropriately.

9. Pastors who successfully preach on money and generosity ask for great commitment.

1 Chronicles 29:20 - "David said to all the assembly, 'Now bless the Lord your God.' So all the assembly blessed the Lord God of their fathers, and bowed their heads and prostrated themselves before the Lord and the king."

A passive request yields a passive response. Successful pastors make compelling 'asks' of their people.

10. Pastors who successfully preach on money and generosity leave a great legacy of generosity for others to follow.

1 Chronicles 29:26-28 - "David the son of Jesse reigned over all Israel. And the period that he reigned over Israel was forty years; seven years he reigned in Hebron, and thirty-three years he reigned in Jerusalem. So he died in a good old age, full of days and riches and honor." 

What legacy of generosity are you leaving?

This post is by INJOY Stewardship team member Brian Dodd. You can read more great insights from Brian on his website,

How To Disciple Financial Leaders At Your Church

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The following is an excerpt from our ebook: How To Disciple Financial Leaders:

Vision frames the future. Leadership sustains the future. Stewardship fuels the future. If you are not investing in the financial leaders of your church by casting crisp, clear and compelling vision, they are less likely to be fully bought in to your ministry. 2 Corinthians 9:7 says, “Each one must give as he has decided in his heart, not reluctantly or under compulsion, for God loves a cheerful giver.”

Casting a compelling vision and investing in the leadership development of your financial leaders takes them from a place of compulsory giving into passionate giving. Thriving churches have a distinct passion about them: they are passionate about the vision the Lord has placed on their hearts. A church that is passionate about the vision the Lord has given them is an unstoppable force. Jesus said that he will build his Church, and the gates of hell will not overcome it. When your church is fully bought into what Jesus has called you to, miraculous things begin to happen. When you invest in vision and leadership, the financial leaders will have no problem investing in your church.

If you are not investing in the leadership development of your church, your church cannot reach its full potential. The future of your church hinges on its ability to raise up leaders to champion the calling Jesus has placed on their hearts. Developing leaders exponentially increases the amount of ministry your church can do because you stop doing ministry for people and begin to do ministry with people.

Download this ebook to learn the practical how to's of discipling financial leaders.

For insight regarding how to identify and disciple new leaders in your church, check out this post.

6 Ways to Effectively Communicate During the Offering Talk

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The offering talk is one of the most critical moments of your Sunday service.

Why? Because it is the time when people in your church make the decision to put God first in their money - the number one competitor for their hearts. This is a portion of your service that cannot be taken lightly because it has massive implications for the church from a ministry level (i.e. being able to pay the bills, meeting ministry needs in the community, providing a safe place for children to learn about Jesus, etc.), but it also reflects the hearts of your people.

Unfortunately, communicating this invitation to give back to God a portion of what He’s already given us fills many pastors and ministry leaders with timidity, confusion, and fear. If this is you, it is OK to feel these things! The good news is you can begin to learn how to approach this time in a healthy, effective way, and we want to teach you how.

Here are 6 tips you can apply to begin to, confidently and effectively, communicate to your congregation during the offering talk:

1. Understand the spiritual implications of people’s giving.

  • When someone makes a decision to give money to your church, they are making a profoundly spiritual decision. Ultimately, the Church is in the business of seeing God’s Kingdom come on Earth, as it is in Heaven. That is exactly what happens when someone gives financially to your church. People give tithes and offerings when they see who the Lord is, and surrender to His will for their life. True generosity is joyful surrender in light of the gospel of Jesus Christ. Recognize the weight of what this moment could mean for every person in your congregation.

2. Create a moment.

  • In light of the spiritual implications of of this time, what would be an appropriate way to engage people? John Maxwell said, “Our level of preparation shows our level of expectation.” Does your preparation show you are expecting God to set people free in their personal finances each week? While it can look different on a week-to-week basis, don’t forget to emphasize this section of the service as an invitation to worship. Here are a few good ideas to implement:

    1. Use Scripture to illuminate who God is and what He says about resources, surrender, tithing and offerings.

    2. Tell stories about why giving is important and the difference it makes

    3. Provide a time for prayerful and silent reflection on how good The Lord has been to each person

3. Switch it up.

  • The reality is, a lot of seasoned church-goers can anticipate exactly what will be communicated during this time, because they have seen it so much. Instead of following your usual format, take a different approach from what is normal. You don’t always have to read the same scripture or reiterate the same core value of your church about generosity. Remember, generosity is a spiritual decision; so make this a time where people can hear from God and do what He says.

4. Get creative.

  • You don’t always have to have someone stand up in the service each week and speak on this from stage. While this method is standard and very helpful, there are so many different ways to connect with your congregation on giving. Utilize pre-service sliders, social media, video stories, blogs and the church website to encourage and educate people on giving.

5. Recognize the different levels of givers.

  • Not everyone in your church is in the same financial situation. You don’t want to disenfranchise people by only speaking to a certain level of giver. For example, there may be new Christians in the congregation who don’t tithe. Don’t communicate in a way that ostracizes them for not giving 10%. Help them along in their personal journey of generosity by pointing them to a next step. Others may need to be encouraged to live more generously and give offerings above the tithe. In these cases, it is important to communicate your heart clearly, and not sound pushy, or make it a spiritual imperative to give more. Remember, as you help your people see more of who Jesus is, He will encourage them to obey the next steps He’s calling them to take.

6. Don’t allow this to be the only time your church talks about money.

  • If the only time your congregation hears you speak about money is during a weekly offering talk, they will begin to think you really are just after their money! Instead, incorporate biblical teaching on finances and stewardship into the church calendar. Preach on it from stage, provide free financial coaching for your people, launch a small group study to help them understand how to steward the resources God has given them according to His Word and will, or create a daily devotional. These are all great ways  to disciple people on a deeper level, naturally leading to more generous people.

The weekly bringing of tithes and offerings is immensely important, because it is incredibly spiritual. Jesus said, “Where your treasure is, there your heart will be also.” Do not overlook your offering talk. Rather, recognize the spiritual implications it carries, and intentionally prepare for it every single week. After all, our level of PREPARATION reveals our level of EXPECTATION. So how high are our expectations for our churches when it comes to giving?

We don’t want your church to just go through the motions in this area, we want your church to excel in this area, because the implications are massive. In fact, to help you capitalize on the full potential of your weekly offering talk, we want to give you 4, done-for-you, GIVING SCRIPTS for FREE. You can download them by clicking the button below.

So take advantage of this resource and use them to help you raise your level of expectation when it comes to giving! Don’t miss them!

How to Plan a Special Year-End Offering

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Are you planning to do a year-end giving push at your church? If so, we have some important tips to make sure that you are able to maximize your year-end giving campaign and start off the new year on the right foot. Remember, you never have to recover from a great start!

“In the presence of many special offerings, none of them will be special.”

Some churches have ten, fifteen or even twenty special offerings every year. This poses a problem because it allows people to pick and choose which ministries they would like to contribute to and those they do not want to give to. Including these “special” offerings into your church’s annual budget will ensure that all of the ministries have funds available and when you are ready to conduct a special offering, it will truly be special.

Once you have people participating in regular giving, you can plan to have a special offering. A natural time to conduct one of these offerings is during the Christmas season as a year-end offering. In 6 Steps to Plan a Year-End Offering, INJOY Stewardship's President & CEO, Joe Sangl, shares everything your church will need to accomplish a successful year-end giving push. These six steps are simple, practical and crucial to making sure you end the year strong and start the new year off well. Check out this on-demand video today, and ensure you have do not miss anything during your special year-end offering this year.

The Top 25 Leadership Quotes From Catalyst 2018

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Last week, INJOY Stewardship Solutions dispatched our Director of New Ministry Partnerships, Brian Dodd, to Catalyst ’18 in Atlanta. Catalyst is a 2-day experience geared towards helping leaders build great churches, growing strong teams, and being a catalyst for change. This year’s theme was Fully Alive based on what the Bible says in John 10:10 – “The thief comes to steal, kill and destroy; I have come that you might have life and have it to the full."

The following are The Top 25 Leadership Quotes From Catalyst 2018. These thoughts will improve your thinking and accelerate your personal growth as a leader.

Life.Church Senior Pastor Craig Groeschel spoke on the dangers of comparison.

  • We fall prey to the cancer of comparison. The fastest way to kill something special is to compare it to something else.

  • Becoming obsessed with what people think of you is the fastest way to forget what God thinks of you.

  • You can’t please everybody. You can please God.

  • God never called me to be important. God will never say, “Well done my good and important servant.” If I am faithful, I am doing things that are important.

  • Nobody can beat you at being you created by God.

John Mark Comer, Pastor of Teaching and Vision at Bridgetown Church, spoke on what it truly means to follow Jesus.

  • If you want to experience the life of Jesus, you have to adopt the lifestyle of Jesus.

  • As a pastor, if I can’t say “Follow Jesus the way I follow Jesus,” then I have no business leading a church. The best thing you bring to leadership is your own transformed soul.

  • Your life is your message, not just your sermon or podcast.

  • Our churches will live up or down to our level of maturity.

  • We need to slow our life way down to fit it into our potential. People are just too busy to live anything close to a life of emotional health. People in a hurry do not have time to love. Hurry is incompatible with joy. The secret to happiness is present to the moment.

Dr. Henry Cloud

  • Nobody gets burned out in a learning environment. You get burned out in a critical environment.

Devon Franklin

  • Too many times we get excited about a celebrity we have never met. There is no celebrity that got on the cross. No celebrity is greater than Jesus Christ.

  • There can be no transformation without transparency. The future leader is a transparent leader.

  • Part of our strength is admitting our weakness because it allows Jesus to step in and be our strength.

  • We want the victory, but we have too much vanity to go get it.

Lisa Bevere

  • We have become a generation who criticizes, not prophecies. It takes no spirit to criticize.

  • The youth are not our replacements. They are our reinforcements.

  • We are a generation whose opinions form your convictions rather than your convictions forming your opinions.

  • We are in the last days.

Pastor Choco De Jesus, Senior Pastor of New Life Covenant Church in Chicago

  • The greatest legacy I can leave on planet Earth is that my three children love the Lord.

  • America is in trouble, but the greatest answer is the church of Jesus Christ.

  • You are an overcomer. You’re a child of the Living God. Your father is a king. Act like it.

  • I still believe in altars. It is a place where you die. It is a place where you leave things.

  • We want to understand. Understanding can wait but obedience cannot. You cannot understand the plans of God. They’re too big.

Finally, if you wish to read Andy Stanley’s sessions, please click the following links: