Giving With Wisdom
By Dr. Ken Matto
(2 Cor 9:7 KJV) Every man according as he purposeth in his heart, so let him 
give; not grudgingly, or of necessity: for God loveth a cheerful giver.
One of the dynamics of the Christian life which I learned as a young Christian 
was the giving of finances to ministries and missions which were sending forth 
the Gospel. Of course, we are commanded to go into all the world and preach the 
Gospel. (Mark 16:15 KJV) And he said unto them, Go ye into all the world, 
and preach the gospel to every creature. Let us be realistic in realizing 
that not every Christian can go to different countries and be a missionary. God 
has saved millions of Christians and kept them right where they were saved.
(Mark 5:18-19 KJV) And when he was come into the ship, he that had been 
possessed with the devil prayed him that he might be with him. {19} Howbeit 
Jesus suffered him not, but saith unto him, Go home to thy friends, and tell 
them how great things the Lord hath done for thee, and hath had compassion on 
thee.
The Gadarene Demoniac was such a person. Once Jesus had freed him from all those 
devils which possessed him, he felt so much love for Jesus and desired to follow 
Him in ministry. Instead, we read in the above verses that Jesus did not allow 
him to come with them but sent him home to his family and friends to be a 
witness to them. This is what happens to the majority of Christians when they 
become newly saved. God returns them to their homes and they become witnesses 
right where they are. There is another reason why God allows that because many 
Christians work and when a person works, they can finance ministries to send 
forth the Gospel. That Christian now has the opportunity to be a witness for 
Jesus right where they work and live.
(Mark 6:4 KJV) But Jesus said unto them, A prophet is not without honour, 
but in his own country, and among his own kin, and in his own house. 
Witnessing to people who knew you and the things you did before salvation is one 
of the toughest ministries a Christian can have but if they continue properly in 
the Christian life, people will eventually have to acknowledge there is 
definitely a change.  
This article is about giving money to ministry with wisdom. God has allowed some 
Christians to gain great wealth in this world. Some names that come to mind are: 
R.G. Letourneau, Colgate, Welch’s Grape Juice and there are no doubt others. 
However, the normal pattern is that most Christians who God saves are workers 
who work for someone else and draw a paycheck. So this Christian wants to make 
sure that what they are giving is actually being used to further the Kingdom of 
God on earth. This is where it is absolutely necessary to use wisdom when giving 
because with limited funds you want to make sure that your gift has maximum 
impact for the Gospel and not winding up as a gold toilet seat in someone’s 
ministry like Joyce Meyer. There are many false preachers out there and 
especially the majority of them on TV are nothing but religious thieves. One of 
them is Mike Murdock who has a yearly income of about $20 million and brags that 
he has three Corvettes. That is not where you want your heard earned money 
winding up. We are responsible before the Lord to be wise stewards of the money 
He has entrusted to us. (1 Cor 4:2 KJV) Moreover it is required in stewards, 
that a man be found faithful. Notice that the verse says it is “required” 
that a steward be found faithful, it does not say it is an option. I would like 
to share with you some principles of wise giving which I have learned over the 
last 32 years of being saved. When desiring to give, it is always a good 
practice to investigate the mission or ministry to make sure your donation is 
not falling into a black hole. When seeking to support a certain ministry, there 
should be some basic questions which you must ask. Keep in mind that the Bible 
teaches that we are to be wise stewards of the Lord’s money. You may have a 
desire to give to a ministry which does general evangelism through teaching or 
preaching, or maybe a literature ministry or a shortwave radio ministry or even 
an Internet ministry and that is why you need to be an informed giver.
What is the Focus of the Ministry?
A focus is the “A central point; point of concentration,” according to the 1828 
Webster Dictionary. This is where you match up your desire with their ministry. 
You may have a desire to reach a certain area of the world by shortwave, so you 
would check out some shortwave ministries to see where they broadcast to. Say 
you would like to reach South America, then you might want to support (Reach 
Beyond) HCJB which 
is headquartered in Quito, Ecuador. They got their start in 1931 which tells you 
that this ministry has been sending forth the Gospel for 86 years as of 2017. 
Now you will want to know what the focus of their ministry is such as, is it 
evangelism, teaching, discipleship, Bible translation, literacy (teaching people 
how to read), or other ministries? Let us say the focus of their ministry is 
evangelism, so with that being the focus then you would be investing the Lord’s 
money wisely in that ministry. You would be partnering (and that is what it is) 
with a ministry sending forth the Gospel for 24 hours per day, 7 days per week.
What is their Method of Ministry?
You may be writer or even an avid reader of books and would like to invest in a 
literature ministry. You could look at World Missionary Press who publishes 
Bible booklets in more than 340 languages. Now you may not be concerned about 
reaching a specific people group but you have a heart’s desire to reach many. So 
you could invest with them on a monthly basis and just check the box “Where 
Needed Most” and let the Lord direct them where to use the funds. One month you 
might be helping to send booklets to India and another month to Cuba. (Eccl 
11:1 KJV) Cast thy bread upon the waters: for thou shalt find it after many 
days. This is truly a fulfillment of the meaning of Ecclesiastes 11:1. You 
might be an airplane pilot and want to support an aviation ministry, so you 
might want to check out JAARS which flies missionaries and ministry materials 
around in a fleet of small planes. You may also want to partner with a Missions 
ministry which still sends missionaries to different parts of the world. You may 
like the idea of presenting the Gospel in a dramatic way so you might want to 
support Unshackled from Pacific Garden Mission or Lamplighter Theater. So it is 
always good to find out what method the ministry uses to send forth the Gospel 
because that would be a main emphasis and expense of the ministry.
There are some ministries out the which send Bibles free of charge to people as 
the money comes in. One such ministry is Bible For Today which sends bibles to 
prisoners on request and people can donate to that fund and partner in this 
ministry. Another such Ministry is Bearing Precious Seed who publish quality 
King James Bibles and many are sent overseas. So you can support ministries 
which produce Bibles. There is a Bible shortage in the world and this would be 
another great ministry to support because it fills in the needs for so many 
indigenous preachers in other countries. Many times, there may be only one Bible 
for an entire village.
Where do they Minister?
There are going to be many missionary organizations which have single focus on 
one area of the world. Sometimes they will focus only on one country or a region 
such as Gospel for Asia. One such single focus ministry is China Inland Mission 
which was started in 1865 and is now called OMF International and has a focus on 
East Asia. There are missionary organizations which focus on Africa, the Middle 
East, Europe and individual countries. You may have a burden for a certain 
country and will want to support ministry in that country. It is always 
important to know where a specific ministry ministers so you will be well 
informed as to where your donation will be ministering.
How long have they been in Ministry?
We have to be very careful here because with the advent of the Internet, there 
are people who set up ministries and throw “donate buttons” on the site and 
never plan to use any of the donated money for ministry. I have been on line for 
close to 20 years (11/20/1997-11/20/2017) and will not place a donate button on 
my site. If someone wants to donate, they can contact me and I will give them 
the particulars. There are some ministries which have been operating continually 
for many years and it is very safe to support them. We mentioned China Inland 
Mission which was started in 1865, then there is the Salvation Army which began 
in 1865, the Pacific Garden Mission which started in 1877, Africa Inland Mission 
which began in 1895, and Every Home for Christ started in 1946. A ministry that 
has been around for a long time is normally a good investment of funds but with 
longevity in ministry can come creeping liberalism which can water down the 
truth of the Gospel. If you choose to support a ministry which has been around a 
long time, then investigate if they are still proclaiming the true Gospel in all 
its strength. Read their materials or listen to their programs to check them 
out.
How much salary do the leaders draw?
This is important because in many false ministries the leaders draw salaries of 
hundreds of thousands to millions of dollars. This is not only a spiritual 
disease in the charismatic movement but also in other ministries which do not 
support tongues. Here are just a few from Charity Navigator dot com:
https://www.charitynavigator.org/
What Partnerships have 
they formed?
This is very important because the wrong partnership can affect the quality of 
the ministry and the very message itself. For example, I would not give to the 
Chuck Colson Center for Christian Worldview because this ministry is heavily 
involved with the Roman Catholic Church which is not a Christian church and does 
not teach the truth. It is good to know what organizations or people your target 
ministry is involved with because you may be helping a false religion. I 
remember some years ago I supported the American Life League until I found out 
they were giving donated money to the Roman Catholic Church. I wrote to them and 
told them to take me off their donor list as they will never get another penny 
from me. They never wrote back telling me I was wrong or had bad information. A 
real good partnership is World Missionary Press partnering with Every Home for 
Christ to evangelize as many places as possible using WMP materials.  
What about smaller ministries?
So far I have only mentioned larger ministries but there are also smaller 
ministries out there which are doing a great job in evangelizing. There is a 
woman named Debbie Carver here in NJ who runs a small ministry called “Our 
Father’s Persistent Love Ministries” which is a ministry to prisoners. Her 
ministry has had great effect upon many prisoners. A small ministry with a focus 
like that is well worth supporting. There are many small ministries on the 
Internet which need to be approached with caution because many have started them 
just to raise money for personal use. Just because a ministry only has one or 
two people in it does not mean it is not playing an important role in the lives 
of those it comes in contact with. Technology has made it easy to do ministry 
and has cut down the need for much office space or personnel. One or two people 
today can handle what five or six did 20 years ago. Smaller ministries should 
never be overlooked because their outreach is just as important as those of the 
larger ministries.  
Beware of the Hook
You will hear from some ministries, mostly charismatic, that if you send them 
$1000, then God will bless you with health and wealth. Do not fall for this 
satanic lie! Many of them interview people in the audience and they tell of how 
God has blessed them because they made a $1000 faith pledge to their ministry. 
These are shills! A shill is one who acts as a decoy being in league with the 
ministry or minister they are promoting. The money that goes to these type of 
ministries normally goes into mansion buying or personal jets for the preacher.
There is nothing wrong making a faith pledge because of your desire to send 
forth the Gospel. If you do, pick a reputable ministry like World Missionary 
Press or JAARS and send them a gift every month toward your faith pledge. (2 
Cor 9:6-8 KJV) But this I say, He which soweth sparingly shall reap also 
sparingly; and he which soweth bountifully shall reap also bountifully. {7} 
Every man according as he purposeth in his heart, so let him give; not 
grudgingly, or of necessity: for God loveth a cheerful giver. {8} And God is 
able to make all grace abound toward you; that ye, always having all sufficiency 
in all things, may abound to every good work: Now it is true that God does 
bless in response to a person’s giving and their attitude toward the giving but 
He does so in different ways and not necessarily health and wealth. He may 
increase your finances as you go along or He may not. Instead, He might keep you 
from an accident or a sickness which could cause you to lose pay. However He 
does it, He does promise that He will bless the giver.
Summary
Giving is a great dynamic of the Christian Faith. Our money can get the word of 
God into places that we cannot go. As with anything in life, we must be very 
discerning as to where we send the money which we earn by the sweat of our brow. 
We want it to advance the Christian faith and not go into someone’s pocket. We 
are to make an impact in this world with the Gospel and evangelism is one way of 
invading Satan’s territory. The more people hear the true Gospel, the more will 
respond. Once the last one becomes saved which God has named then the end shall 
come. If the money we send is sequestered in someone’s bank account, then that 
money is dead for the spread of the Gospel. Let me once again reference World 
Missionary Press. They can manufacture 24 Gospel booklets for every dollar 
received. If you are able to just send $10 a month to them, that means you would 
be able to reach 240 people a month that you would otherwise be unable to reach. 
Multiply that by 12 months and you will have reached 2,880 people plus in 
different countries, the people who receive the booklets will share with others 
thus multiplying your gift further. So when you give unto the Lord, He will not 
only bless you but will multiply the outreach of the materials you fund. It is a 
great partnership and that is why it is important to do your homework and 
investigate the ministry or mission you desire to support.
Ministries Mentioned in this Article in a Positive 
Light:
Reach Beyond (Formerly HCJB)
World Missionary Press
JAARS
Pacific Garden Mission
Lamplighter Theater
Bearing Precious Seed
Bible For Today
Africa Inland Mission
Every Home for Christ
Salvation Army
Our Father’s Persistent Love Ministries
OMF International
Please visit my article entitled "Salary Gluttons" which further investigates the high salaries paid by ministries: www.scionofzion.com/sg.html