Many of us know the challenges of managing our money. No matter how great our income, the expenses seem to keep up. We may like the idea of budgeting, but living on a budget is another matter. As a result, we end up falling short and racking up debt.
Christians Against Poverty wants to help. At first glance, it sounds like a protest group or ministry for the poor. It’s actually for anyone who wants to learn how to better manage their money. Although it’s certainly a great fit for low-income areas, it’s also a great fit for middle-income people who want to budget, save, and spend wisely. According to their mission statement, "We are passionate about releasing people in our nation from a life sentence of debt, poverty and their causes. Working with the church we bring good news, hope and freedom.”
CAP works with churches to offer a CAP Money Course, which aims to empower people to give and save more, and to avoid the destructive effects of unmanageable debt. The course is simple. It begins with where you are financially, and helps you set financial goals, design a budget, and implement a system that helps you stick to the budget using a cash system. The course comes with a clear workbook, and is taught by trained volunteers. Participants in the course get access to an online budgeting tool. If you need additional help, you can access Internet and phone-based support directly from CAP.
Why should churches partner with CAP? Many in our congregations and communities are struggling with their finances. Helping them is part of discipleship, and it’s also a means of building relationships.
I heard of CAP through friends who took the course a year ago. They thought they were managing their finances well already. After taking and implementing the course, they were able to save enough money to take their entire family of five to Thailand (where my friend grew up as a missionary kid) using cash.
I recently took the course, and we plan on offering it through our church. If you live in the United Kingdom, Australia, New Zealand, or Canada, then you should consider taking it too, or offering it at your church.
For more information, visit the Christians Against Poverty website.