When we first started out on deputation we had to come up with a budget and a target amount of support to raise. Although we were going to work with veteran missionaries, it was still difficult to know what expenses we would incur. We came up with an amount and started making phone calls to set meetings with pastors to present our ministry at their churches. As we started gaining support, we were getting closer to the goal of being 100% supported. We had a target date we wanted to be on the field, and we were headed that direction.
I still recall quite vividly an incident that occurred at a church in NC during a mission’s conference when it was question and answer time with the missionaries. There were all kind of questions for the four couples on the stage. Then there was the all too common question of, “Where are you at in your support?” The other missionaries gave their responses of “35%”, “90%”, and “75%.” Then it was my moment of fame. I was handed the microphone and proudly replied, “3%.” I can still see the heads turn to me as if to say, “Stop joking, and tell the truth.” The pastor asked me to repeat my answer, and I did. That was a question that would be asked over and over again and again.
What is the percentage number that we give? What is the pre-field budget? What about a ministry budget? How about a budget for living expenses? Another one is furlough budgets. I realize that there are a myriad of policies that mission agencies and local churches have as far as calculating these different budgets. I will say that from my personal experience and from conversations with other missionaries that have been on the field longer than I have been saved, the reality is that you are never at 100%. One missionary that I spoke with had been on the field for 18 years, and when asked how
long he was on deputation his reply was, “I’m still on deputation.”
Don’t let this discourage you in your calling. One thing that I can personally attest to is that in my 25+ years in the ministry and 21 years of marriage, I have never gone hungry, never been without a roof over my head, and never lacked clothing or shoes on my feet. While we have not been at 100% of the budget, we are always at 100% of the need for the month. God is faithful, and if He never does anything else for me, He has done enough! Consider these verses from the word of God:
Philippians 1:6 (KJV) “Being confident of this very thing, that he which hath begun a good work in you will perform it until the day of Jesus Christ:”
1 Thessalonians 5:24 (KJV) “Faithful is he that calleth you, who also will do it.”
Here are some things to consider when formulating a budget. I call them Budget Pitfalls.
- Churches or individuals will drop your support. Just when you get to the field and are setup and beginning to learn the language, boom you get a letter or an email (sometimes neither, just a blank spot on the spreadsheet) that says we are sorry to inform you that we can no longer support you due to . . . One time I got three in one month. Talk about knocking the wind out of your sail.
- A church or individual will skip a month and will not make it up. This is a very common situation. Your budget is tight, and you do not receive $150 that month because they forgot, or they did not have it to send. Whatever the case may be, there is a hole in your income. Sometimes the next month a supporter will double the support, but many times it is lost.
- Exchange rates change for the worse. At the time I am writing this post, in Haiti where we serve, the dollar is rising and so are prices. If I catch it at the right time I can make my money go farther. But what about when it is not in your favor? We have heard of missionaries in Europe, for example, having to raise an additional $1000 a month just to make up for the exchange rate when the dollar fell. It is hard to stick to a strict budget when you have to change money in a foreign country, not to mention foreign wire frees and exchange fees.
- Inflation is something that affects everyone whether foreign or domestic. We know it is going to happen, but how much and when?
- Unique circumstances can cause the prices of things to shoot up quickly. Years ago when we were building our house in Haiti, there was a hurricane that came through and hit Florida. As a result of that, the price of plywood tripled in Haiti because the plywood was being shipped in from Miami. We were not able to purchase as much plywood as we needed to pour the concrete roof. Another time gasoline was scarce because of some type of governmental type thing that was going on (to this day we don’t know exactly what it was), and the price of gas went from $5USD to $12.50USD a gallon. Poof – there went the budget that month.
- New children come along and knock a big hole in your budget. Just in case you are wondering, four kids cost more to keep up than three kids. I know that sounds like something simple, but there are those that seem surprised when there is more month left at the end of the money because the little cute precious adorable new baby is costing a lot. If you are married and of child bearing age, consider it as a possibility.
- Being sick is no fun and especially if you are in a country that has substandard or nonexistent healthcare. I have spoken to missionaries that have to travel hundreds of miles to get to a location that has decent health care. In other cases it may require going to another country. This happened to me and my family and it can really mess up your budget.
I realize that there are other areas that may not be listed here, but if you can begin to think along these lines and realize that everything doesn’t go according to the paper plan, then you will be on the right track to learn how to be flexible. The main thing to remember is that “Where God guides, God provides.” If God has called you to a specific field, whether foreign or domestic, He will provide for your needs and many of your wants too! There are a lot of hidden “Start-up” costs when you get to the field, but the great news is that God knew about them before you even got there.
HGP3



Dear Praying Friends,
we have electricity in our area. But it is not what you think. It may be on for 3 days and off for a week. It may be on for a few hours and off for a couple of days. At the time this article was written, the normally 120 volt service has only been putting out 87 volts. That is not enough to run our battery charger or other things like that. The reason I tell you this is to let you know that once you leave the USA be prepared for the technology curve to take a nose dive.
One reason I personally do not use an electronic Bible is that the Haitians are not ready for that yet. You have to realize that cell phones are a relatively new technology here in Haiti. When we visited the country back in 2001 the only cell phone coverage was through one company, and they only had a few towers in the largest cities. Jump forward in 2006 when we arrived in Haiti as a family, and there was a company that was expanding throughout the country and then to today (2014) almost all of the country is covered. Even still if I were to use an electronic Bible, there would be those that may think it is my own words and not a Bible because they don’t see me turning the pages. Child Evangelism Fellowship taught teachers to read from the Bible in their hand so the children could see it was not just someone else’s words but it came from the Book called the Bible. Therefore, people who do not know anything about an electronic Bible may not believe you are reading from the Bible if you are using a smart phone or tablet. I do want to say that I love studying with
There have been countless new missionaries that have gone through a lot of time and money to get to the field only to be sucked into the black hole of the mission field and spit back out in their home country never to return again. I encourage all prospective missionaries to take time to sit down with a mechanic friend and learn the basics. You don’t want to be charged for changing the headlight fluid in your truck. (If you are wondering how to check the headlight fluid – stop reading this and go immediately to a mechanic friend, skip Google.) Ask for a crash course in accounting from and accountant in your church. Go to a construction site with a contractor friend and look around and ask questions.
containers. Having retired from the Rail Road, he has experience not only in the shipping of containers, but also in the packing of containers for missionaries headed overseas. He helped me pack my container, and when I opened it up in Haiti, it looked like it did when we shut the doors in SC.
per pound plus customs at the airport in Haiti. So that can get expensive, but it is nice to have your clothes arrive with you. The third option I mentioned is a long drawn out fighting process.
worthy to ship on a cargo ship. They come in 10′, 20′, 40’sizes which are rated Standard or HC (High cube). HC allows for an extra 300 cubic feet more than a standard container (by the way the abbreviation symbol for foot or feet is the apostrophe sign [‘] and inches is the quotation mark [“]). Basically a 20′ container has 1172 cu. ft. of interior space. The actual interior measurement of a 20′ container is 19’5″, and a 40′ container measures 39’5”. All containers are basically the same width because of road widths and trailer chassis. More importantly is that they interlock on the corners with each other. This means that two 20′ containers can stack on one 40′ container or vice versa. Once they are locked together they cannot be pulled apart. There is a 48′ container, but it is nothing more than a 40′ container with a 4’ extension on each end. The floor is usually wood which makes it easy to nail or screw down supports. Door widths and openings are pretty universal.
container touched the ground. Also be sure to spend the extra money and get the insurance!!! We have a missionary with our board that had a bad experience as a result of having no insurance. The shipper mixed up some numbers, and the missionaries got a container filled with barrels of chemicals, and their stuff was sent to another country. They lost it all because they did not have insurance.