Our church has one checking account that we use for everything. When I became the pastor 4 years ago, there was $19,000 in this account (which had grown that large because they were without a pastor for a couple years). It's now down to $5,000, which is approximately one month's of the church's expenses. So I'm getting pretty anxious. I'm the second pastor they've tried to pay a "full-time" salary, and (at the time when I was called) they had a deficit of about $400/month. Attendance and total offerings have increased. Compared to the first two years, we now have an average of $550/mo more in offerings. But we've also increased our missions giving, and salaries, and have added things like internet/wifi and lawn care service. So now the deficit (even after factoring in the increased giving) is on average about $600/mo. I've done some maths and determined that we could save about $400/mo by having volunteers cut the grass (which we did last summer, but everyone grew tired of it), eliminating internet, and cutting back our missions giving. But this still leaves a deficit. My family can't afford to take a reduction in salary unless I find a part-time job as well. I'm willing to do this, but my wife has mentioned to me that she would feel severely hurt by the church if they were to decrease our pay, since we see how church members live and it would show us that they don't truly value our family. I see her point. Some in the church have mentioned fundraisers. I'm generally against this kind of thing, but even if I weren't, this seems more like a very temporary solution unless we wanted to have a huge fundraiser every month indefinitely. I've thought about adding an online giving option, but I don't like that companies take at least 3% of what's given. Do you have any advice?