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Budget and Finances of the Buckhorn Lake Area Church

We projected a deficit of $4,800 in 2017. By the grace of God, our faithful members and friends overcame that daunting challenge! Friends and Buckhorn alumnae/i gave almost $15,000, memorial gifts added over $5,000, and we managed to reduce our expected expenses by almost $5,600. Dinners and bake sales added another $5,300 and the auction brought in $6,200! We finished in the black by just under $2,000. Praise God!

Our congregation pays $38.44 per member for the privilege of belonging to the Presbyterian Church (USA), an increase of 4.3 percent. This so-called per capita assessment is paid whether individual members donate or not.

The budget for 2019 follows. Once again, it looks unpromising. But as God showed us in 2017 and 2018, humans with faith can accomplish the impossible. How might God bring our budget into balance again? The answers are the same as they have been for several years. Thank you. When you see Sue McIntosh, our volunteer treasurer, please thank her!

2019 Budget

Income

Church Offertory$52,016 | Benevolences:
Loose offering1,650 |
Sunday schools300 | One Great Hour of Sharing$600
Gifts from churches500 | Pentecost offering400
Gifts from friends15,000 | Peacemaking offering375
Undesignated memorials4,600 | Joy Gift450
====== | Birthday / Hunger425
Offertory Total74,066 | Appeals (disasters, Quiet Fund)2,215
| Building (local donors)3,632
Special services900 | Building (others)250
Auction6,000 | Special collections250
Dinners2,000 | =====
Mission store2,800 | Designated Giving8,597
Books, other sales2,200 |
===== | Interest on Savings900
Special Activities13,900 |
| TOTAL, ALL INCOME$97,463

Expenses

Pastors' salary$25,848 | Worship supplies$250
Furnishings12,768 | Bulletins50
SS/MC contribution3,768 | Special services100
Deferred compensation6,528 | Music / choir200
Major medical / pension20,388 | Organ / pianos300
Medical set-aside1,260 | Sound system / other50
Continuing education1,700 | =====
Utilities3,600 | Total Worship950
Travel / Other 1,700 |
====== | Outreach (food giveaways)200
Total for pastoral services77,560 |
| Sunday school300
United mission giving2,400 | Youth100
One Great Hour of Sharing600 | Fellowship175
Pentecost offering400 | Nursery50
Peacemaking offering375 | Community activity200
Joy Gift450 | Transportation50
Birthday / hunger425 | Library50
Per capita assessment1,961 | Other100
Special appeals (disasters...) 500 | =====
Collections (e.g. Change for Change)225 | Total Christian education1,025
Session disbursements800 |
===== | Office supplies / copies100
Total benevolences8,136 | Pulpit supply112
| Telephone500
Electricity3,750 | Wedding coordinator325
Insurance8,200 | Postage, mailings80
Custodians, salary3,600 | =====
Cleaning, supplies800 | Total administration1,117
Trash & water750 |
Equipment & appliances300 | KY Sales tax425
Church maintenance3,000 | Other70
Manse maintenance1,000 | ====
Pest control / Other575 | Total Miscellaneous495
===== |
Total building & grounds22,075 |
| TOTAL EXPENSES$111,558

TOTAL INCOME - TOTAL EXPENSES = SURPLUS
$97,463 - $111,558 = -$14,095.

The church projects a budget deficit of fourteen thousand dollars in 2019!
Since certain budgeted expenses are there only if needed, the actual deficit might be a bit smaller--if God is as generous in 2019 as in 2017 and 2018.