Dear Pastor,
 
One of our supporting churches recently wrote asking me about our support situation, and if we needed more support (they had a missionary leaving the field). Below is a copy of that correspondence. I feel that it is a good update on our financial and ministry situation and perhaps it would be beneficial if you also saw a copy of it. Thanks.
 
In Christ
David Cox
 
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Dear Pastor ___________,
 
Thank you for asking us about our support needs. I would like to give you a brief overview of our financial situation and what we are doing in our ministry. First our financial situation.
 
 
Our support level is $5725 dollars a month which is divided into $3450 personal support, $1100 Special needs funds, and $1175 work fund. Out of this personal support level our monthly budget is something like this:
Monthly Budget Rent $700, Misc Housing $150, Clothes $50, School $50, Food $700, Auto $250, Healthcare $600, Dental-Optical $150, Taxes $250, Life Insurance $50, Tithes & Offerings $450 = $3400.
 
Each month we also have special fund needs of Newer Vehicle $250, Retirement $350, Children's college $250, Emergency fund $50, Appliance & Furniture replacement $100, furlough $100 = Special needs funds $1100.
So over all we need about $5725/month (Our support level).
 
Our actual income 2005 from all sources (personal support, work fund, bank interest, etc) was $33,810 total, or $2,817 per month (49%).
 
So far our actual income in 2006 has been $9210 (4 months) or an average of $2302 each month(40%). (We had a church change pastors recently, and they dropped our support because of financial problems. That was the first of this year. Others have not been giving as much as normal.)
 
So our actual income is $2300 average, or we are at 40% of our support level.
Explanation and overview of our support over the years: A word about why we are not planning on returning to the US to raise more support. I basically have had about 4 furloughs in my 20 years of being a missionary. I left for the field in 1985 under a mission board after 1.5 years of deputation, and they set my support level at $550. I was single at the time, and I have a lot of problems with raising support. I had estimated I needed $1650 a month from correspondence with a half dozen missionaries in Mexico at the time. When I got to Mexico most missionary families here were making around $3000. I went with $550 (two months that that much had come in before I left the states). In 1990 I returned single for furlough. I was under a mission board, and "debated" with them about my actual needs, according to me i needed a minimum of $1200/month and more if I was supposed to be taking out retirement, emergency fund, etc. That was based on my assessment of actual prices after 4 years on the field. They raised my support level to $900 a month, and I had $1050 a month coming in, $500 of which was from my parents. They prohibited me from raising more support because I was at 116%?!?!?! In 1994 we got married, and I came back to raise more support and returned with around $2400 monthly support. In 1998 my dad died and we lost his support, and we returned for another year of furlough. In 1999 we had about $2200 monthly support coming in when we had to return to the field after our year furlough.
 
In the end of 1999, through several turn of events and disagreements about our ministry with that mission board, we decided it would be better to go out under our home church. We knew that our conviction of being represented by what we feel is the only biblical representation for missions, an independent missionary out under a local church, would cost us dearly. We lost about half of our support and in April 2000 had to again abandon our work and return to the states to once again raise support. It was extremely difficult to raise our support without a mission board to rubber stamp an approval upon us. In December of 2002 we returned to the field with about $2571 monthly support. Whereas many missionaries have literally hundreds of supporting churches and $10,000 or more coming in monthly, we labor on for the Lord with essentially our same support as what we had 12 years ago. (We receive no raises in 12 years even though inflation has eaten away at that support base horribly. Prices are in some cases double or more what they were before.) This is not because of laziness on our part, but we feel because of Satan attacking our ministry at every turn, trying to keep us off the field of labor and in the US raising funds.
 
Because of these things we feel that it is our highest priority to stay on the field as much as possible, suffer through as best as we can, and pray that God meets our needs. We just cannot continue to return every 3-4 years for a year or two to raise more support. Our work suffers if we do this, and in the end, we are not effective in raising a local church here. I note that the last times we were in the US on deputation that pastors are booking meetings up to 3 years in advance (the immediate year always booked), and that because of ministries in the US that present themselves as missions, and missionaries that fly back to the states 6 months out of every year to do more deputation, the competition is tremendous. To even get an opportunity to present our work is simply extremely difficult, and most of the churches that we can get into have no funds to give us even if they wanted to, and others put us on waiting lists that with time when money becomes available, they prefer to give to some missionary who recently came and made a splashy show.
 
But our goal is to stay on the foreign field and work, not run around the US trying to chase $25 dollar a month donations from churches, and I feel this is God's will for our lives, and we are determined do what it takes to accomplish God's will for our lives. We are not professional fund raisers, and perhaps we are not as showy, savvy, or "professional" as some missionary fund raisers, but our heart is in serving the Lord through evangelism, discipleship, and church planting, and "professional fund raising" as important as it is to modern missions, just is not our calling nor strength, nor is it our desire to dedicate our life to raising money in the states to just pay somebody's salary on the field. Many missionaries do no "hands on" missionary work other than to pay salaries of others to do everything. Some I have seen supposedly started 5 churches in their first 4 years on the field (Vietnam). When I questioned them about it, they still don't speak the language, and got another missionary with a Bible Institute to recommend preacher boys, and they meet once a month to give them their salaries. They have to pay a secular woman translator to do even this. They have services in their home with only their family in English, and other than that, the only other ministries they could tell me about was giving out tracts when they go to town, and raising funds in the US for all of this. Our ministry is not like that. I am a pastor and preacher at heart, first before a missionary. I preach normally 3 times a week, go out witnessing several times a week door to door, actually talking and explaining the gospel door to door with our people. I write books and tracts. We have started a CD sermon box in our church in September of last year and have around 40 sermons just from me. (We do let some of our men occasionally preach.)
Our Present Ministry
 
(Roberto has the yellow shirt and tie in photo at left. He is witnessing to visitors during a church meal.)  In actuality, we took Roberto on salary in faith back in February 2006, and right now all of our church offerings go towards his salary, and he is not making it economically (4 adults in his family, David his son is to his left) even with one of his sons, Jonathan, working fulltime ($230/month income). So I am giving him money besides what comes through the church offerings. At times I also have to give various in our congregation benevolence type help on an occasional basis. I am spending somewhere between $500 to $800 each month (besides our tithes) to cover his salary, our literature expenses, and our other ministry expenses. We are putting away nothing in the "special funds" these days. So our actual income for our living is around $1252 (but with tithes already taken out). Rent right now is around $400 for our house, and we are looking at having to rent something for the church in July which will mean we (as a church) will have to pay around $400-$800 a month for rent. What the church cannot handle, I will have to make up the difference, and it is looking like I will be paying for either all the rent or Roberto's salary.
 
Our car had severe problems with the transmission, burning oil, losing coolant, A/C, electrical, and even pieces falling off of it in traffic! I spent money on it every month so far this year, and everything I fixed returned to give me more problems. The week before Easter I decided to take it to Texas (I had my doubts about making the journey) and sell it and buy something else. It was a 1996 Lumina, and I wanted to spend no more than $3000 and trade in the old vehicle, and for a while it looked like we were going to go backwards to a 1993 or 1992 model. We finally found a 2000 which we only had to pay out of pocket $4000 (which is currently on my credit card, and I hope to have it paid off in 2-3 months). I felt I was going to have a situation where I was going to have to spend $1000-$2000 dollars on the transmission or engine with the Lumina, and I didn't want to be caught with it if that happened.
 
We also are pushing our literature ministry. We have about 85 tracts, 25 books in Spanish that we are using to confront issues and topics of our day. We have a small group of about 7 preachers and men in the ministry that meet every other month that I am slowly getting resources for study and preaching for them. I have already given them all a 56 page book on Hermeneutics in Spanish that I wrote, and at our next meeting I am planning on having ready a 90 page book on Homiletics in Spanish, and also a 60 page book on the Holy Spirit by a Chinese Dr. Lin (BJU grad), and a 181 page book on Customs and Culture in Ancient Israel by Wright. We are planning on starting up a Greek class for these preachers this summer the Lord willing.
 
Last night I got an email about our website. A Christian from Chile commented that our books are excellent, and he has never seen that quality of material in Christian books, and definitely never for free. He is unemployed at the moment but asked me to send him paper copies of some of the books if I could afford it. Perhaps it has hampered our economic situation, but I publish everything I write on the Internet so that anybody can download it and use it for free. I give permission for them to reprint it and distribute it, but they also must give it away free without even charging for printing costs. Local churches can take up a love offering or put a tin can out for donations but not charge. Freely you have received, freely you give.
 
I say all of that to say that we are very much in dire need of more support. At this point I cannot easily turn the church over to Roberto and return to raise support. Roberto is not yet ready for that, our church is in an unstable condition with moving to a new location, many of our people have not even completed a year of being saved, and I am wanting to spend my efforts, time, and energy in getting more people saved and into our church and feeding them and not running around from church to church in the USA raising funds. I could spend all my time up there in the US and barely get my support up and return to the field when I would have to do it again. That is how that goes, you never have enough support.
 
I feel that true New Testament missions should have a strong push towards being an independent local church. That means that over time, our work here should support itself, our ministers, and even our own income needs.
 
So our tactical planning is the following. I want to keep Roberto on church staff full time, and pay his salary (which is around $200/week). At present he is having about 3 discipleship classes each week, and I ask him to preach for me every other week. That allows me to write tracts and books. We are trying to concentrate our efforts in extra evangelism and follow up efforts. Roberto and I are going out Mondays together to visit contacts, Thursday with visitation (5 people), Fridays visitation (4 people), and Saturday church wide visitation (from 5 to 8 people). He has discipleship classes Wednesday, Thursday, and Saturday. I am directing some sermons towards our obligation to support the work of the Lord so that those who come will hear God's word on tithing and offerings and sacrificing so that God can use that to move their hearts perhaps. We do not want to over do the money emphasis, but we do want our people to give out of the joy of their relationship with God. But we are pressing them on this issue to make our work self supporting, especially the mature ones that are among our church people. Right now we are barely breaking $100-$120 each week in offerings (with $60 coming from us). Most of our people are making around $100 to $250 a month of those with good jobs. Many are unemployed. It takes a while for people to grow spiritually and stop giving a representative amount $5, and give a tithe. To go beyond tithes to offerings is a great success that takes many years.
 
At this point we have two principal problems we are praying through: (1) rent for our growing church. (2) salary for Roberto.
 
We have a second man, Carlos (left with his wife Claudia), who also is active in our church, and he is wanting to enter the ministry fulltime with us. He is working in a private school, and he will probably be fired or "let go" this summer. He was attacked in front of the school early one morning last year when he was going to pick up the school bus (he is a driver). They hit his eye, and he lost part of his sight, and the school has the government social medical insurance. He had to pressure them to pay their part so he could get medical treatment, and now he is supposedly incapacitated (he lost probably 30% of his sight in one eye and sunlight hurts his eye). But that means in laymen terms "fired". They are not going to fulfill their legal obligation and retirement him (he is only 32) and pay him his full salary ($300/month) for life but are going to give him 2 years retirement pay at 50%, and will probably fire him over the whole thing this summer. The school is a Christian private elementary-high school run by American missionaries, but they are under legal obligations anyway you look at it. He does not want to take them to court to force them to give him what they owe him, but will trust the Lord and go find another job somewhere else. We want to help him and bring him on board with us. We are wanting to get him also into the ministry full time if we can. He is a good faithful worker.
 
This transition time for him when he will be looking for a job will be an exceptionally good time to put him on fulltime if we can swing it financially. I have talked with him about at least taking 6 months off before he looks for a job and dedicate this time to the Lord's work and see if we can increase our attendance through the efforts of all of us, so that we can keep him on staff. He is very open and desirous of entering the Lord's work fulltime (if financially we can swing it). I want to hit evangelism and discipleship really hard over the next two years to try to support our workers.
 
My goal is for the church to be self supporting, paying salaries, and ministry expenses on its own, and giving me as pastor a good salary for down here ($500 - $1000/month). That would solve our support problems for a good while (until we turn it over to a Mexican pastor and go somewhere else or inflation eats us up again).
 
God is giving us about one solid family each month. Sunday we had around 40 people, and Easter meal Friday we had close 60. I feel our goal is completely possible for us, and we are praying that God will give us time and bless us so that it happens. Right now the owner of where we are is asking us to leave in July, but the men want to press him to let us stay until January. I feel like if we can make it through all of this until somewhere around next summer, our offerings should cover our basic expenses, and we will be out of financial stress. I have talked it over with Tule (my wife) and we personally are going to see this through even if we have to take money out of our retirement fund to make ends meet some months. We have about $30,000 total in retirement funds. We feel God will take care of us, and we want to see His work flourish and grow. I feel that workers getting people saved, having Bible studies, and people growing through hearing good preaching and teaching is the way to do it.
 
Please pray for us. Whether you can increase our support or not, we would ask for your continued prayers. I really feel bad in a way mentioning this to you, because you at Grace Bible Church have been so good to us over the years, and just recently (year before last I believe) you doubled your support to our ministry. I fully understand that there may be other of your missionaries that are more needy than us, and we will pray that God will grant you the financial ability to do even more than what you are doing now. May God bless you for your deep concern and burning heart for missions.
 
In Christ,
David Cox