Chapter I: Business Relations

1. _Make no debts:_ "Owe no man anything" (Rom. xiii. 8). In all purchases for personal and family purposes the pastor should pay as he buys. It cultivates a just economy and avoids debts, which often prove a heavy burden on a minister's life and a most serious drawback to his usefulness. No man is thoroughly independent in the pulpit who is facing a number of unpaid creditors. Ordinarily, this avoidance of debt is entirely feasible, and when understood to be a rule with the pastor it has a beneficial influence in promoting promptness in the payment of his salary. The people will respect such a course in their minister. At the very outset of life, then, let him fix it as a principle never to run in debt. A strict adherence to this will sometimes involve inconvenience and self-denial, but these are more than compensated in the exemption from the anxieties and humiliations of debt, in the sense of independence, in the respect and confidence of the community, and, above all, in the clear conscience which observance of this rule secures. Only the most absolute necessity should ever set aside this rule, for the neglect of this is too frequently a cause of failure in the pastoral office.

2. _Use great care and all the proper forms in making business engagements._ The pastor is tempted to neglect business forms on the supposition that as a minister he ought to rely on the honor and consideration of those with whom he deals, and as the result, even where there is no dishonesty, there is often misunderstanding, out of which grow heartburnings and disputes. All business transactions, therefore, should be conducted in a business way, leaving no room for misapprehensions, and then all engagements should be met with promptness and honor. A pastor should be delicately sensitive to his reputation in this, for any failure, though it be only an apparent one, in fulfilling a business obligation is sure to provoke unfavorable comment and militate against usefulness.

3. _Live within your income._ A pastor may not be reckless in regard to the probable future needs of himself and of those dependent on him. Such a course is justified neither by Scripture nor by Providence. "The Lord ordained that they who preach the Gospel should live of the Gospel" (1 Cor. ix. 14). A minister, therefore, should find a life-support in his income from his work, and should so use his salary that a part be laid aside for coming days of need. If the salary is small, he should rigidly cut down expenses that some of it may be reserved. Special exigencies in life, will, indeed, sometimes prevent this, but ordinarily it is feasible, and in the case of the head of a family it is plainly a most sacred duty. The neglect of care to make provision for those dependent on us is not faith, but recklessness.

Here, however, a pastor must beware of covetousness. Instances sometimes occur in which this just and necessary regard for future need degenerates into a selfish greed for accumulation which narrows and belittles the minister of Christ. He compromises his dignity and independence by seeking in various ways gifts from his people, and thus the man is sunk in the mendicant, or he degrades his office by descending to petty meannesses, driving close bargains in business and shirking his just share in the contributions for church-work and benevolence. Nowhere is the love of money more offensive than in the Christian minister.