Vol. 25 No.3
News & Events Turn in your Followership Card! It’s not too late to turn in your Followership cards. Turn in your card by mailing it to the church, dropping it off in the church office, or going to www.frazerumc.org. Operation Christmas Child Start with a shoe box, and share the love of Christ with a child on the other side of the world. It is an easy missions project that every member and family can participate in by bringing a gift-filled shoe box to the church by Nov. 18. Pick up a brochure in the Atrium or Chapel areas on Sunday to learn more about this ministry opportunity anyone can get involved with, or contact Jo Jo Terry at 356-1256 or jjterry3@hotmail.com. BRING CHRISTMAS TO A LOCAL FOSTER CHILD Frazer will once again help bring Christmas to children in the Montgomery Foster Care System through the annual Angel Tree program, presented this year by the Frazer OneFamily initiative. You can sponsor a child by picking up an Angel Tag in the Atrium Sundays, Nov. 18 and 25. Return unwrapped gifts Saturday Dec. 8 from 10-11am or Sunday Dec. 9 from 8am-1pm. Help us make sure every child in our local foster care system receives a personal gift this Christmas. For more information, e-mail onefamily@frazerumc.org
www.frazerumc.org
November 2012
Frazer family commits to being Followers in 2013 Staff Reports The Frazer family presented their commitments to take up their crosses daily and follow Jesus through their prayers, presence, gifts and service Sunday, Oct. 28. Followership Sunday was the culmination of several weeks of preparation of hearts and minds to determine where God was leading each individual in the church to serve and give. Prayer was and is a critical component of Followership, as the congregation was encouraged to pray daily for its church, as well as their own spiritual journeys. Commitment cards continue to come in and ministries are preparing to engage and equip their volunteers with the tools they need to serve in 2013. We are expecting 2013 to be an awesome year of lifetransforming ministry and world-changing missions in and through the people of God at Frazer UMC.It’s not too late to make your commitment by turning in your card. Contact Mary Ogden at 495-6383, for details.
Photo by JUDI MALLORY
The congregation brings their commitment cards to the altar during morning worship in the Sanctuary on Followership Sunday, Oct. 28. The entire Frazer family made their commitments to give and serve in 2013 that morning.
Golfers come out for fun, fellowship in support of missions
SAVE THE DATE:CHRISTMAS MUSICAL SET FOR DEC. 15-16 Back by popular demand, Frazer’s Christmas musical, “My Favorite Christmas Card” will take place in Wesley Hall on Dec. 15 and 16. Mark your calendar for the musical featuring the message of hope, new musical arrangements and much more. DOWNLOAD DAILY BIBLE STUDY GUIDES AND DEVOTIONS As we focus on being a WordCentered, World-Changing church in 2012, our teaching pastors are providing a daily Bible study guide to lead you through the section of the Bible they are preaching on each week. Pick up your copy inside your bulletin on Sunday or download from the links found at frazerumc.org/ bible_study_guides. You can also sign up online to receive a daily devotion e-mail. More events & a nn o u nc e m e n t s pa g e 2 M o n t h ly C a l e n d a r Pa g e 3
PHOTO BY MAC MCLELLAN
Dozens of golfers turned out for Frazer’s 4th Annual Staying on Mission Golf Tournament Oct. 8, enjoying the perfect weather for a morning of golf at Wynlakes.
By Mac McLellan News Staff Writer
Frazer’s “Staying On Mission” Golf Tournament is all about fun, fellowship and bringing Frazer members and friends from the community together but it also contributes to a greater cause which is supporting the world-changing missions’ projects of Frazer around the globe. These projects bring hope to some of the darkest corners of our planet. Proceeds from this year’s tournament are designated toward the “Miracle in the Desert,” a Child and Family Development Center in Trujillo, Peru, which will assist in meeting the basic
needs of impoverished families in that community. Dozens of golfers set out on Oct. 8, in hopes of having their names engraved on The Frazer Cup. This was the fourth year for Frazer’s Staying on Mission Golf Tournament, and one of the most successful to date. Among those participating were Frazer’s Congregational Care and Worship Support Coordinator Bob Wood, Frazer’s Activity Ministry Director Craig McKissick, and Keith Williams, Frazer’s IT Director. Once again, Wynlakes Golf and Country Club provided the perfect backdrop for the tournament. Continued page 5
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Frazer Family News
Announcements
November 2012
News + Events
Want to watch a sermon again? Check TV broadcast times at wfrz.com or watch online at frazerumc.org/media Tune in to WFRZ on Knology and Charter Channel 13 , Brighthouse Channel 122 and UHF Channel 34. Sign up for Frazer’s e-mail newsletter Our e-mail newsletter is your weekly connection to news, events, classes and volunteer opportunities at Frazer. Click straight from the newsletter to videos, worship guides, surveys and more from frazerumc.org. Once you sign up, you can manage your subscription at any time. Sign up today at
frazerumc.org.
The FRAZER FAMILY NEWS (USPS #959-520) is published monthly by Frazer Memorial United Methodist Church, 6000 Atlanta Hwy, Montgomery AL 36117-2804. Periodicals postage paid at Montgomery AL 36119. POSTMASTER: Send address changes to FRAZER FAMILY NEWS, PO Box 241347, Montgomery AL 36124-1347. The Frazer Family News tells the story of what God is doing in the lives of people in and through His church. Submissions are welcome, but we cannot be responsible for unsolicited articles. To pass along information or story ideas, please leave a note in the editor’s mailbox in the church office, call 272-8622, or send e-mail to ffn@frazerumc.org. Editor..................... Amy Presley Communications Director................. Ken Roach Staff . .................... Kenisha Brown, AnnaBeth Crittenden, Mac McLellan, Mike Presley, Neil Probst, Robin Raiford, Candace Rutherford, Alexia Scott, Martha Poole Simmons, Andrea Vandermey Columnist.............. Ginger Koerner Photographers....... Diana Bunch, Heather David, Harold Hill, Judi Mallory, Mac McLellan, Lori Mercer, Mary Ogden, Martha Poole Simmons, Chris Thornton, Lee Werling, Suzanne Williams
“Multiply” with Frances Chan & David Platt- Multiply is a free webbased seminar from pastors Francis Chan and David Platt providing a simple, practical, biblical, personal tool for followers of Jesus who want to make more followers of Jesus. Watch it with others at Frazer on Nov. 9, 7-10pm in room 8114, or log in and watch from home by visiting multiplymovement.com. Ryan’s Run, a 5K run and 1 Mi.in memory of Ryan Colburn, will raise money for the Ryan Colburn Youth Scholarship and Frazer’s Youth Worship Arts. Mark your calendar for Saturday, Nov. 24. 5K starts at 8 a.m. and 1-mile at 9:00 a.m. Ryan loved the rivalry of football season, so we encourage runners to wear your team colors. Early registration discount deadline is Nov. 17. Register online at frazerumc.org Annual Fall Bake Sale-Alpha and Omega Sunday School Class’s Annual Fall Bake Sale will be held Nov. 18, in the Atrium at 8 a.m. - noon. Proceeds from this sale support missions. Come and purchase some delicious home baked items for the holidays plus desserts by the slice! Hanging of the Greens Nov. 25-Spread out across the church to enjoy decorating Frazer for Christmas, then gather in the Fellowship Hall afterward for a light dinner. We will meet in the Atrium at 4 p.m. for instructions and then break up into groups to decorate the church.
WOMEN’S CHRISTMAS BRUNCH DEC. 1- Join us for brunch and hear from two great speakers. Phil Easter will share ideas on decorating for the holidays, and Lauren Matson will bring a Christmas message on “Contentment.” Brunch starts at 9 a.m. in the fellowship hall. Tickets are available for $10 per person in the Frazer Bookstore. PANCAKE BREAKFAST FOR MISSIONS DEC. 8- The annual Pancake breakfast, sponsored by the Men’s Ministry, is set for Saturday, Dec. 8, from 7-11am. Tickets are just $2 for children, $5 for adults with proceeds going to support Frazer missions. Volunteer photographers will be available to take pictures with “Santa.” Tickets are available in the Atrium on Sundays, in the Discipleship Office, or from any Men’s Ministry leader. ‘The Promise’ YOUTH WORSHIP ARTS CHRISTMAS MUSICAL DEC. 9- The birth of Jesus was not a surprise; it was the fulfillment of a promise from God spanning thousands of years from the time of Abraham. Celebrate the promises of God and the true meaning of Christmas through music with Frazer’s Youth Worship Arts choir. These talented 6th-12th grade young men and women have a passion for God and a song in their hearts. You will want to mark your calendar and make The Promise a part of your Christmas season. 6 p.m. in Wesley Hall.
D i s ci p l e s hi p + F e ll o w s hi p Frazer Older Adult Trip Ministry- Frazer’s Older Adult MInistry will host a trip to the Biltmore Estate at Christmas time. The trip will take place Dec. 5-7, and the deadline to register and provide a deposit is Nov. 5. Contact Sandy Boswell, 495-6391, for trip details.
Attention Stay at Home Mamas! Are you a stay at home mom looking for mid-day activities that you and your chilD can do with other young moms, or are you looking for activities for you where childcare is provided? E-mail Mary Causey at marymade09@gmail. com for a weekly and monthly e-mail letting you know about various activities designed for young moms in mind. Sponsored by the Women’s Ministry.
C H I L D R E N + ST U D E N TS CHILDREN’s MINISTRY PAJAMA PARTY- The Children’s Ministry will again host a collection drive for new pajamas for special needs children at Father Walter’s and Father Purcell’s this Christmas. Names and sizes will be distributed Nov. 11th and 18th. Bring new pajamas to the Tugboat or Children’s Ministry by Dec. 2. All children are invited to wear their pajamas to church Sunday, Dec. 2 to celebrate.
Student Ministry Interactive Bible Study- Crave Student Ministry invites all seventh and eighth grade guys and girls to an interactive Bible Study. The Bible Study meets on Sundays from 5-6 p.m., through Nov. 11. Guys are in room 8203 and girls are in room 8201.
SE R V I N G + G I V I N G Food Pantry and Homeless Hygiene Ministries will collect nonperishable food and personal care items the first Sunday of each month. Please drop off items in the donation carts located throughout the church. CALLING ALL ACTORS AND SEAMSTRESSES! The Frazer Music Ministry is currently casting the Nativity scene for “My Favorite Christmas Card.” We are also in the process of designing and constructing this year’s costumes. If you can help as an actor or a seamstress, please contact Amis Sellers amis@ frazerumc.org or 495-6341.
Donate Items for our Troops On Nov. 18 and 25, the Military Ministry will collect items for Frazer’s military deployed members. A list of suggested items may be found at the Connection Point in the Atrium. Please bring your items, labeled for the Military Ministry, and place them in one of the donation stands located around the church.
November 2012
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NOVEMBER 2012 CALENDAR OF EVENTS
Sunday
Monday
Tuesday
Wednesday
Thursday
Friday 1
9 a.m. Women’s Bible Studies 9:30 a.m. Dementia Daycare
Saturday
2 5:30 p.m. Crave Covenant Retreat at Children’s Harbor
3
6 p.m. Free Parents’ Seminar on Purity Upward Basketball Registration Deadline
All Saints Sunday 4 6:45 a.m. Breakfast 8, 9:30, 11 a.m. Worship & Sunday School 3 p.m. Youth Worship Arts 6 p.m. Crave Covenant Celebration 8 a.m.-1 p.m. Blood Drive
6 p.m. Alpha Course
6 5 Election Day- GO VOTE! 9:30 a.m. Women’s Bible Study 12 p.m. Prayer for Our Nation 1:15 p.m. Speeders Choir 5:30 p.m. Singles Small Group, Divorce Care, Grief Support 6:55 p.m. Singles TNT 7 p.m. ESL
Orphan Sunday, Veteran’s Day 11 6:45 a.m. Breakfast 8, 9:30, 11 a.m. Worship & Sunday School 6 p.m. Alpha Course 3 p.m. Youth Worship Arts 6 p.m. Sunday Evening Worship- Sanctuary 6 p.m. Night of Worship with the Freedom Sound- EAST SANCTUARY Operation Christmas Child Shoebox Collection
12
18 6:45 a.m. Breakfast 8, 9:30, 11 a.m. Worship & Sunday School 3 p.m. Youth Worship Arts 6 p.m. Sunday Evening Worship 6 p.m. Alpha Course
19
Operation Christmas Child Shoebox Collection Angel Tree Tag Distribution 25 6:45 a.m. Breakfast 8, 9:30, 11 a.m. Worship & Sunday School 3 p.m. Youth Worship Arts 6 p.m. Sunday Evening Worship 4 p.m. Hanging of the Greens 5 p.m. Board of Stewards Charge Conference
26
13 9:30 a.m. Women’s Bible Study 12 p.m. Noon Salad Luncheon 1:15 p.m. Speeders Choir 5:30 p.m. Singles Small Group, Divorce Care, Grief Support 6:55 p.m. Singles TNT 7 p.m. ESL
7 8 6:30 a.m. Men’s Breakfast 9 a.m. Women’s Bible Study 9 a.m. Women’s Bible Studies 7-10 p.m. Multiply Discipleship Seminar 5 p.m. Wednesday Night Supper 6 p.m. Adult Bible studies, Men’s and 9:30 a.m. Dementia Daycare Women’s Bible studies, Children’s ORBIT and Crave students programs 6 p.m. S.P.I.R.I.T. 6 p.m. Financial Peace University 6 p.m. STEP ONE, Parlor 7 p.m. Choir, Band, Orchestra 14 9 a.m. Women’s Bible Study 5 p.m. Wednesday Night Supper 6 p.m. Adult Bible studies, Men’s and Women’s Bible studies, Children’s ORBIT and Crave students programs 6 p.m. Financial Peace University 6 p.m. STEP TWO, Parlor 7 p.m. Choir, Band, Orchestra
20 9:30 a.m. Women’s Bible Study No Wednesday Activities Due to 1:15 p.m. Speeders Choir Thanksgiving Holidays 5:30 p.m. Singles Small Group, Divorce Care, Grief Support 6:55 p.m. Singles TNT 7 p.m. ESL
27 9:30 a.m. Women’s Bible Study 1:15 p.m. Speeders Choir 5:30 p.m. Singles Small Group, Divorce Care, Grief Support 6:55 p.m. Singles TNT 7 p.m. ESL
15
9
10
16
17
23
24
9 a.m. Women’s Bible Studies 9:30 a.m. Dementia Daycare 11 a.m. Friends Bible Study 6 p.m. Men’s Fellowship Supper
21
22 Church offices closed
Youth Worship Arts Ryan’s Run
Church offices closed
Happy Thanksgiving!
29 28 9 a.m. Women’s Bible Study 9 a.m. Women’s Bible Studies 5 p.m. Wednesday Night Supper 6 p.m. Adult Bible studies, Men’s and 9:30 a.m. Dementia Daycare Women’s Bible studies, Children’s ORBIT and Crave students programs 6 p.m. STEP THREE, Parlor 7 p.m. Choir, Band, Orchestra
30
DECEMBER 2012 9 a.m. Women’s Christmas Brunch
Angel Tree Tag Distribution
30 For a complete listing of all weekly Bible studies, support groups, Sunday School classes/small groups and other weekly activities, please see the Fall 2012 Connections Magazine, now available in the Atrium and at frazerumc.org/groups
6:45 a.m. Breakfast 8, 9:30, 11 a.m. Worship & Sunday School 3 p.m. Youth Worship Arts
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CARING FOR OUR CONGREGATIon BIRTHS We rejoice with our members who have recently welcomed a new child into their family.
Frazer Family News
November 2012
Remembering the Saints Nov. 1 is All Saints Day. This month, we remember those members of our Frazer family who have passed away since last November. Robert J. “Bobby” Armstrong
Julia Lytle
• A son, “Robert “Mac” McKinney, born to Nicole and Bobby Burton April 20, 2012.
James Wade “Jim” Bailey
Justin Jefferson Maloy
Richard Carl Bell
Hiroko Martin
• Twin daughters, Hadley Kate and Ava James, born Oct. 24, 2012 to Katie and Rusty Russell.
James Aldwin Bryant
Sarah “Doris” Brett McCurdy
James W. “Jake” Chavers
Lawrence S. McReynolds
Dwight Merrill Cleveland
Jerry Reeves Mitchell
Alvin “Travis” Cox
Rev. John Furness Morgan
Virginia Waits Crane
Donald Robert Morse
John Denzil Crawford
Blanche Bryant Murr
Archie Wyndol Culberson
Mary Lee Norman
James R. “Jim” Dexter
Melissa Kay Oakley
Verle Robert Fanning
Louise Parker
• Mother of Patti Jeffcoat
June Elizabeth Farr
JoAnn Hudson Perkins
• Charlotte Hargrove
Corrie Brooks Foster
Allee “Maureen” Robertson
• Nace Taylor
Mary Elrod Freeman
June P. Robinson
Ralph Doyle “Randy” Fulmer
Michael John Ruud
Dr. Henry “Hanly” Funderburk
Penn Scott, III
• Father of Missy Coker
James Franklin “Frank” Gibbons
Jack D. Shows
• Mother of Victor Maluda
Mary “Bobbie” Greene
William “Ralph” Slay
• Mother of Frank Saliba
Juanita Pitts Gregory
Susan Sneed
Robert Creath Guillot
William Boyd “Bill” Snider
Charlotte Ann Hargrove
Ronald John “Ron” Soroka
Melinda W. Harris
Dr. Glenn Perdue Stanford
• Hiroko Martin
Mary Alice Herlth
Avis W. Stringfellow
• Archie Hooper
Archie Dean Hooper
Francis Ignatius “Nace” Taylor
Harold Delmar Johnston
James Sinclair “Jim” Teaters
Jerry Thomas Kemp
Lori Skinner Thomas
Lucille Warlick Killough
Lorie Tueling
• Mother of Rheta Dozier
Paul Edwin Koerner
Murrell Bolt Wilkins
• Mary Lee Norman
Clarence “Cap” Langley
Muriel Hamilton Williams
• Father of Andy Ward
Ricky Benjamin Leggitte
Lynda Frances Knight Woodall
James Claredon “Jim” Levy
James “Jim” Worley
deaths We extend our deepest Christian sympathy and love to those families who have recently experienced the death of a loved one. Remembering these families in your prayers, giving them a call or sending a card provides healing ministry and extends the love of Christ during this time of loss and grief.
• Mother of Rita Scott
• Father of Debbie Peavy
• Melissa Oakley • Mother of Patty Worley
• Father of Wyndall Hutcheson • Father of Sandi Stone
November 2012
www.frazerumc.org
Golf Tournament
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continued from page 1 Tim Thompson, Frazer’s Senior Minister, and Neil Epler, Frazer’s Coordinating Pastor of Congregational Care, joined the golfers for lunch and fellowship after completing their morning hospital visits. “We sincerely appreciate the support of the 48 businesses, organizations and individuals who sponsored the 18 holes or provided door prizes,” said Butch McPherson, Frazer’s Director of Missions and Events. “We are already making plans for Frazer’s Fifth Annual Staying on Mission Golf Tournament, so keep Columbus Day 2013 open!” Results of the 4th Annual Staying on Mission Golf Tournament:
1st place: Cynthia Atkinson, Karlin Beck, Steve Beck, and Ron Beers 2nd place: Boyd’s Buddies 3rd place: Gold Tees
Long drive: Davis Prince
Putting contest: Bob Milano
Chipping contest: Jimmy Poole
The Hole-In-One sponsor was Medisys for Physicians, Inc. Holes were sponsored by Alabama Lawns, Alabama Classic Designs, Bama Lanes, Inc., Bulldawg Country, Van Stevens Certified Financial Planner, Chick-Fil-A, Christian Brothers Automotive, Clark Heating & Air, Discovery Sunday School Class, Drs. Gaeton & Cindy Lorino, Frazer Men’s Ministry, Jim & Martha Johnson, Jerry Bodenheimer, Gold Tee Sunday School Class, HandsOn Learning Solutions, ITEC, JESCO, Jim Woodham’s Southside Firestone, Kingry Orthodontics, Livings, Lankford, Lambert & Co., P.C., Mr. Pool, Peaceful Solutions Therapy & Spa, Peaches ‘N’ Clean, PNC Bank, Reinhardt Motors, and Taylor Crossing Animal Hospital.
Photos by Mac Mclellan
The winning team proudly displays the Frazer Cup trophy. From left to right, Steve Beck, Karlin Beck, Cynthia Atkinson and Ron Beers.
Donations and door prizes were provided by Bonefish Grill, Chappy’s Deli, Edwin Watts Golf, Express Oil/Perry Hill Road, Ixtapa Mexican Restaurant Eastchase, Jack’s Hamburgers, Jan’s Beach House, Liberty Design & Construction Co., Lowe’s, Montgomery Biscuits, Nancy’s Italian Ice, PS Graphics, Ruddle’s Pub & Grill, Service First Bank, Sinclair’s East, Sommer’s Place, Southern Development Council, Triangle Fastner, and Wagon Wheel Restaurant.
Ugliest Legs contest: Smokey Rigdon Volunteer missions
scholarship winner: Sandra Woods
Bob Milano won the Putting Contest prior to the start of the Tournament.
Larry Stevenson and Jimmy Poole head for their first hole.
Volunteer Karen Rawls (left) asks Missions Trivia questions at the 17th Hole. Planning the perfect shot.
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Frazer Family News
November 2012
Frazer ‘treats’ the community to fun and fellowship at third annual event Story and photos by Amy Presley News Editor
Hundreds of families around the community gathered in Frazer’s west parking lot and soccer fields for an afternoon of fun and fellowship at the Third Annual Trunk or Treat Oct. 28. More than 2,000 children and their families went “trunk to trunk” playing games and collecting candy and treats at the annual community outreach and fellowship event. Volunteers from Sunday School classes, small groups and individuals decorated their trunks in festive themes, ranging from biblical stories to children’s movies and books to traditional fall and Halloween decor. Other activities included hayrides, concessions, a photo booth, inflatables, music from a youth worship band and a performance by Frazer’s Puppet Ministry.
2012 Best Decorated Trunk Winners 1st Place: “Shadrach, Meshach and Abednego's Fiery Furnace”
A team of about 40 volunteers, coordinated by Kristi Maze, helped make the Trunk or Treat a success, by setting up, cleaning up, assisting with parking and greeting, and running the hayrides and inflatables. Director of Outreach Levi Gardner, along with Butch McPherson, director of Missions and events and Kris Johnson, WIN team assistant, helped coordinate the event. If you had your child or family’s photo taken at the Trunk or Treat photo booth, you can download the photo for free at www.exposureministry.org. by clicking on the Gallery tab and then the album “Frazer Trunk or Treat 2012.”
2nd Place
1st Place
Going Vertical Sunday School Class Katey Ramsey, Jimbo Skelley, Chris Highfield, Paul Beaird, Sarah Beaird, Glen Trapp, Melody Griffin, Holly Ezekiel 2nd Place: “Sherwood Forest” Steven Young, Robin Chambers, Sue Yourman, Lee Yourman 3rd Place: “Cat in the Hat”
Honorable Mention
3rd Place
Abby, Eva, Ellen & Mark Bartlett Honorable Mention: “Wizard of Oz” Harvesters Sunday School Class Ricky Locklar, Linda Locklar, George Cox, Charlotte Lane, Keely Smith, Kathy Boston, Brittany Boston, Cheryl Smith Honorable Mention: “Monster's Inc.” Dakota Alexander, Katie Irving, Gail Alexander, Dayle Alexander, Dara Irving, Chad Irving
Honorable Mention
November 2012
www.frazerumc.org
The Freedom Sound releases debut EP, worship night planned for Nov. 11
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Staff Reports A group of Frazer-related musicians who seek to glorify and praise God through original music have just released their first EP. The Freedom Sound, which includes Wesley Hall worship leader Jerrod Dorminey and some members of Frazer’s praise band, released “Set Free” on Oct. 9. The six-song EP is a celebration that through Jesus we have been set free from sin and fear. Band members wrote and arranged the songs over the past couple of years. “We feel that God has blessed us with an incredible opportunity to reach people for His kingdom through the gift of music,” Jerrod said. “We pray that He will use our music to break people of the chains that keep them from experiencing the ultimate freedom that comes from Christ. “For those who are already experiencing that freedom, we pray that this music reminds them of the gift that has been given for them and gives them a reason to sing.” The EP’s songs will probably sound familiar to many at Frazer because all of them have been used in Wesley Hall worship services. The album’s tracks include “Nothing but the Blood,” “Set Free” and “Glory (Alive in me).” The band traveled to Atlanta over several weekends this spring and summer to record the tracks with producers Andy Bowen and Scotty Wilbanks, who has produced songs by Francesca Battistelli and NEEDTOBREATHE and is the keys player for Third Day. Support from several Frazer members enabled the band to record with Wilbanks and Bowen. On Sunday, Nov. 11, the band is presenting a free night of worship concert in the East Sanctuary to celebrate the completion of this project and, more importantly, to worship and praise Jesus Christ. The Freedom Sound started in 2009 as an outlet to write original music and to take the worship experience outside the walls of the church by performing at other venues. The other members of the band are vocalist Melinda Smith, guitarists Jon Powers and Hudson Thompson, bassist Kevin Wolfe and drummer Mike Presley. CD copies of “Set Free” are now available for $10 in the Frazer bookstore. The album is also available on iTunes. For more information about the band and their mission, go to www.tfsworship.com or www.facebook.com/ tfsworship.
Photo by Nick Drollette
The Freedom Sound, from left to right: Hudson Thompson, Jon Powers, Melinda Smith, Mike Presley, Kevin Wolfe and Jerrod Dorminey (kneeling).
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Frazer Family News
November 2012
With joyful hearts, Zoo Day volunteers make a difference, show Christ’s love Staff Reports Frazer’s Singles Ministry sponsored its annual Zoo Day event Saturday, Oct. 6. The weather was perfect for a morning at the zoo, where volunteers from Frazer and Auburn-Montgomery nursing students escorted adults and children with special needs throughout the zoo to view the animals, ride the train and enjoy the beautiful day. Singles Ministry coordinator Virginia Holmes said that 170 special friends registered to participate in the event, coming from ARC of Elmore County, Father Purcell’s, Burgess Center, Frazer, TRC, McInnis School, Milton Rd Residence, Volunteers of America and others. The volunteers, which included Frazer members and students from Auburn-Montgomery, helped unload the guests from buses and vans. Each guest received a colorful gift bag that included a Zoo Day t-shirt and a cross necklace. They also enjoyed a sack lunch and had their photos taken. Volunteers Crystal Vaughn and Leslie Michaud dressed as clowns to entertain the special guests. “My motto is ‘work is love made visible’ and the love from our volunteers was very evident as they worked very hard and with a joyful heart,” Virginia said. “The Zoo employees are wonderful to work with. We are truly blessed by being part of this event.” Photos by Judi Mallory
November 2012
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2013 frazer Budget: Resourcing our Vision
The Finance Committee, Staff-Parish Relations Committee and Board of Trustees, in consultation with staff and lay leaders, proposed a 2013 budget of just under $8.5 million, a decrease of $573,000 from 2012. The budget was approved unanimously by the Board of Stewards on September 30. This budget continues to support our priorities of word-centered ministries and world-changing missions, along with early debt retirement, while bringing the budget more in line with actual giving and spending over the past two years. WO R S H I P MUSIC MINISTRY
General Conference Hosting Black Colleges
Actual 2011
Budget 2012
Budget 2013
Worship Production Supplies
$10,864.11
$15,000.00
$15,000.00
District Missions Fund
Adult Music Supplies
$38,464.57
$28,000.00
$28,000.00
District Administration Fund
$900.00
$2,000.00
$1,000.00
TOTAL APPORTIONMENTS
Piano Tuning
$1,915.00
$1,600.00
$2,000.00
Children’s Music
$3,787.86
$8,500.00
$6,500.00
Choir Robe Cleaning
Youth Worship Arts Supplies Youth Worship Arts Tour Drama Organ Maintenance TOTAL MUSIC MINISTRY WORSHIP SUPPORT Wesley Hall Acolyte Supplies Communion Supplies
$20,757.00
$20,861.00
Security Badges & Check-In
$3,313.39
$3,500.00
$3,500.00
TOTAL CHILDREN’S MINISTRY
$75,807.40
$76,400.00
$73,800.00
Actual 2011 $2,771.73 $9,620.55 $13,668.60 $2,070.88 $57,048.14 $2,307.14 $9,540.31
Budget 2012 $1,200.00 $10,500.00 $17,000.00 $4,500.00 $53,800.00 $3,000.00 $5,000.00
Budget 2013 $1,200.00 $9,500.00 $12,500.00 $4,300.00 $61,000.00 $1,500.00 $5,000.00
$97,027.35
$95,000.00
$95,000.00
$643,309.00
$611,079.00
MISSIONARY SUPPORT
Actual 2011
Budget 2012
Budget 2013
World & National
$120,250.00
$108,000.00
$91,200.00
1
$55,200.00
$43,200.00 $134,400.00
MISSION PROJECT SUPPORT
Actual 2011
Budget 2012
Budget 2013
$75,100.00
$69,600.00
$107,200.00
$3,224.20
$4,250.00
$4,250.00
$0.00
$1,000.00
$1,000.00
$80,492.36
$86,350.00
$83,750.00
Actual 2011
Budget 2012
Budget 2013
$20,736.96
$25,000.00
$30,000.00
$0.00
$100.00
$100.00
$1,097.82
$3,000.00
$3,000.00
World & National Local TOTAL PROJECT SUPPORT2 MISSION CULTIVATION TRANSFORMATION HAITI DISASTER RELIEF NEW MISSION SUPPORT MISSIONS WORK AREA TOTAL
$54,149.96
$110,950.00
$139,050.00
$129,249.96
$180,550.00
$246,250.00
$63,824.80
$83,000.00
$49,000.00
$100,000.00
$100,000.00
$100,000.00
$14,550.48
$3,800.00
$3,800.00
$6,000.00 $1,000.00
Support Groups
$2,149.33
$2,500.00
$2,500.00
TNT
$3,461.35
$2,500.00
$2,500.00
$42,000.00
$45,160.00
$104,737.71
$118,650.00
$121,050.00
$615,839.64
$608,800.21
$734,489.64
$729,850.21
$97,490.55
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WIN TOTAL
$2,000.00
NURSERY MINISTRY
Visitor Follow-Up
$870.00
$9,000.00
$7,000.00
General Supplies
$2,064.33
$5,000.00
$5,000.00
$32,128.38
$25,000.00
$23,000.00
$0.00
$4,000.00
$3,000.00
$3,158.39
$10,000.00
$10,000.00
$89.40
$5,000.00
$5,000.00
$0.00
$2,000.00
$1,000.00
$70,522.68
$84,000.00
$75,000.00
Actual 2011
Budget 2012
Budget 2013
Episcopal Fund
$29,459.04
$29,905.00
$26,936.00
General Administration Fund
$11,453.04
$11,213.00
$11,216.00
SEJ Administration Fund
$6,542.04
$6,238.00
$6,131.00
Africa University
$3,165.96
$2,908.00
$2,848.00
Conference Benevolences
$428,157.00
$414,966.00
$398,439.00
World Service Fund
$104,961.00
$98,177.00
$92,951.00
Ministerial Education Fund
$35,459.04
$32,573.00
$31,912.00
Lake Junaluska Restoration
$1,428.96
$6,238.00
$0.00
$79,000.00
$0.00
$1,396,495.08 $1,437,509.00 $1,321,619.00
†
$3,000.00
$1,000.00
$1,000.00
$47,152.26
$252.07
$1,000.00
$1,000.00 $6,000.00
HISPANIC MINISTRY
Training
$1,000.00
$575.51 $2,165.82
$37,300.00
$7,000.00
$140.00
Outreach
$9,297.78
$32,300.00
$7,000.00
Mission Projects
Special Events
$24,245.35
$5,583.26
$1,000.00
Retreats & Trips
$10,000.00
Budget 2013 $12,000.00
Budget 2013
$4,000.00
$580,380.00
$12,000.00
WIN MISSION STAFF
Budget 2012
$1,609.51
$577,200.00
$9,016.97
WIN PROGRAM STAFF
Actual 2011
Administration
$482,425.24
CHINESE MINISTRY
WIN PROGRAM SUBTOTAL
SINGLES MINISTRY
$46,930.00
$1,000.00
ASBURY MINISTRY
TOTAL STUDENT MINISTRY
$46,650.00
$1,000.00
3
STUDENT MINISTRY Worship Win Discipleship Serve Retreats Communications Transportation
$14,450.00
$387.39
Budget 2012 $14,000.00
APPORTIONMENTS
$21,636.96 $666,824.04
Actual 2011 $11,139.49
TOTAL EVANGELISM MINISTRY
$7,056.00
$163,200.00
WI N
Family Issues and Concerns
$7,021.00
$40,100.00
TOTAL WORSHIP
Connection Point
$3,500.00
$10,080.96
$160,350.00
WORSHIP PROGRAM STAFF†
Servant Evangelism
$3,000.00
$3,500.00
Local
$3,000.00
Alpha Course
$3,000.00
$3,725.53
TOTAL MISSIONARY SUPPORT2
$3,000.00
Outreach Events
$3,664.67
Special Studies/Publications
$11,000.00
$1,921.92
New Member Ministry
Wed/Sun Evening Program
$12,992.00
$15,000.00
Altar Flowers
Team Building
$12,729.00
$14,144.04
$11,000.00
$200.00
EVANGELISM WORK AREA Supplies
$1,400.00
$15,000.00
$200.00
WORSHIP PROGRAM SUBTOTAL
$1,400.00
$0.00
$6,619.24
$101.26
TOTAL WORSHIP SUPPORT
$1,662.16
$321.00
$14,717.38
Usher Supplies Special Services
Aquarium Maintenance
$336.00
Training
$314,128.40
$309,817.04
TOTAL SINGLES MINISTRY
$275,679.12
$135,252.25
WOMEN’S MINISTRY
$2,027,316.52 $1,766,688.29
Bible Studies & Small Groups Retreats Conferences
D I S C I PLE Actual 2011
Budget 2012
Budget 2013
$15,918.96
$20,265.00
$21,565.00
Food Supplies
$8,867.78
$10,809.00
$10,809.00
New Birth Supplies
$2,475.38
$6,242.00
$5,202.00
Minor Equipment
$8,213.70
$8,215.00
$7,632.00
Friends for Life
$1,264.70
$1,300.00
$0.00
Sunday School Curriculum
$5,357.65
$6,500.00
$5,500.00
TOTAL NURSERY MINISTRY
Budget 2013
$2,000.00
$2,250.00 $2,250.00
$3,400.00
$1,000.00
Mentoring
$1,445.25
$1,000.00
$3,400.00
Public Relations
$167.19
$1,000.00
$1,000.00
Growth Opportunities
$636.78
$1,000.00
$1,000.00
Shine Your Light
$193.46
$300.00
$300.00
$4,824.07
$11,200.00
$11,200.00
Actual 2011
Budget 2012
Budget 2013
TOTAL WOMEN’S MINISTRY YOUNG ADULT MINISTRIES Gathering
$1,432.91
$5,000.00
$5,000.00
College Ministry Expenses
$0.00
$10,000.00
$10,000.00
TOTAL YOUNG ADULT MIN.
$1,432.91
$15,000.00
$15,000.00
Actual 2011
Budget 2012
Budget 2013
Actual 2011
Budget 2012
Budget 2013
Church School Supplies
$6,003.18
$5,800.00
$5,800.00
OLDER ADULT MINISTRY
$22,575.78
$25,800.00
$23,500.00
Special Community Event
Teacher Training
Budget 2012
$3,240.47
$2,500.00
CHILDREN’S MINISTRY
Special Events & Summer
Actual 2011
$374.87
$50,708.00
Vacation Bible School
$1,000.00 $16,000.00
($1,233.95)
$53,331.00
Children’s Church
$1,000.00 $19,000.00
iConnect
$42,098.17
Curriculum
$0.00 $19,399.30
$1,000.00
$1,000.00
$6,581.02
$5,500.00
$6,000.00
$2,351.73
$700.00
$1,400.00
Programming
$13,622.98
$13,500.00
$12,800.00
Transportation
$250.00
$1,500.00
$1,000.00
Wesley Gardens
$505.00
$1,500.00
$1,500.00
$14,606.35
$14,500.00
$14,500.00
$1,029.65
$1,200.00
$1,200.00
Special Events
$9,230.82
$5,000.00
$8,000.00
($353.00)
$0.00
$0.00
$16,213.84
$14,500.00
$17,500.00
Puppet Ministry
$1,872.36
$2,000.00
$2,000.00
Trips
Surge (4th & 5th grade)
$1,379.62
$1,500.00
$1,200.00
TOTAL OLDER ADULT MINISTRY
10 EDUCATION WORK AREA
Actual 2011
Budget 2012
Budget 2013
Sunday School Printing
$0.00
$1,700.00
$1,700.00
Sunday School Supplies
$1,670.58
$2,000.00
$5,000.00
$558.09
$3,500.00
$3,500.00
$1,000.95
$2,500.00
$2,500.00
($65.06)
$800.00
$800.00
Adult Curriculum
$3,929.58
$3,000.00
$3,000.00
Teacher Appreciation
$2,332.68
$5,000.00
$5,000.00
TOTAL EDUCATION WORK AREA
$9,426.82
$18,500.00
$21,500.00
Teacher Training Seminars Special Studies Library Research Center
DISCIPLESHIP WORK AREA Family Ministry
Direct Ministry New Program Opportunity TOTAL DISCIPLESHIP WORK AREA MEN’S MINISTRY
$3,000.00
$3,000.00
Wednesday AM Breakfast
$379.46
$1,000.00
$1,000.00
Misc. Expenses
$680.10
$1,400.00
$1,400.00
$4,444.03
$8,000.00
$8,000.00
$273,151.60
$323,431.00
$321,708.00
$852,661.66
$895,950.40
DISCIPLE PROGRAM STAFF4 DISCIPLE TOTAL
$1,176,092.66 $1,217,658.40 S E RV E
TOTAL FOLLOWERSHIP ACTIVITIES MINISTRY Supplies Office Administration Entry Fees Scouting Sportsmen’s Ministry JEMAC Programs TOTAL ACTIVITIES MINISTRY FOOD SERVICE MINISTRY Kitchen Supplies Hospitality TOTAL FOOD SERVICE MINISTRY TRUSTEES Decorations Plant Care
$11,058.77
$8,000.00
$10,000.00
Offering Envelopes
$7,617.43
$2,000.00
$1,000.00 $40,000.00
Audit
$3,000.00
$1,906.07
Followership Expenses
Copy Machine Paper
$3,000.00
$1,000.00
FOLLOWERSHIP
$35,000.00
$774.82
$1,000.00
DISCIPLE PROGRAM SUBTOTAL
$45,000.00
Debt-Free Projects
$0.00
$813,800.00
$26,841.41
$1,000.00
$1,600.00
$955,000.00
Postage
$3,000.00
$1,600.00
$888,488.84
$72,000.00
$1,000.00
$13,000.00
$0.00
$70,000.00
$3,000.00
$12,500.00
$145,000.00
$77,409.15
$1,362.36
$2,524.25
$91,503.04
Office Equipment Agreements
Banking Fees
$2,500.00
$432,000.00 $190,000.00
Budget 2013 $9,000.00
Charitable Trust
$2,000.00
$430,000.00
$190,000.00
Budget 2012 $14,000.00
$3,500.00
$239.32
$424,201.99
$195,026.67
Actual 2011 $7,941.54
$3,500.00
$1,478.40
TOTAL MEN’S MINISTRY
FINANCE Office Supplies
$147.75
Budget 2013
Thursday Outreach
TOTAL TRUSTEES
Budget 2013
Budget 2012
Widows Ministry
New Furnishings & Equipment5
Budget 2012
Actual 2011
Lion Chasers
Property Maintenance
Actual 2011
ONE Family Materials
Utilities
Frazer Family News
$35,541.60
Accountable Reimbursable Human Resources TOTAL FINANCE COMMUNITY MINISTRIES Clothes Closet Operation Pride Food Pantry
$37,000.00
$2,466.45
$2,000.00
$5,000.00
$61.17
$1,000.00
$1,000.00
$550,000.00
$600,000.00
$605,000.00
$33,892.69
$35,000.00
$35,000.00
$561.87
$500.00
$500.00
$753,392.08
$814,500.00
$813,500.00
TELEVISION MINISTRY Office Operations Advertising
Actual 2011
Budget 2012
Budget 2013
$5,639.05
$6,000.00
$6,000.00
$1,123.86
$3,000.00
$2,000.00
$49,146.41
$33,000.00
$33,000.00
Legal/Engineering
$2,458.00
$3,000.00
$3,000.00
Tapes, DVD’s, CD’s, etc.
$4,647.04
$8,000.00
$7,000.00
Airtime
TOTAL TELEVISION MINISTRY
$63,014.36
$53,000.00
$51,000.00
$226,094.08
$255,000.00
$248,000.00
COMMUNICATION PROGRAM STAFF7
$430,108.20
$407,329.08
COMMUNICATION MISSION STAFF
$191,444.24
$186,083.17
$876,552.44
$841,412.25
COMMUNICATIONS SUBTOTAL
COMMUNICATIONS TOTAL
CONGREGATI ONAL CA RE CONGREGATIONAL CARE Nursing Home Ministry Homebound Ministry Hospital Ministry
Actual 2011
Budget 2012
Budget 2013
($53.15)
$250.00
$250.00
$56.47
$500.00
$500.00
$124.82
$250.00
$200.00
Actual 2011
Budget 2012
Budget 2013
$610.52
$1,000.00
$1,000.00
Family Crisis
$446.07
$700.00
$500.00
Baptism
$927.25
$1,000.00
$1,200.00
$1,200.00
$1,200.00
$1,200.00
($1,293.04)
$1,000.00
$300.00
Funerals
$204.43
$400.00
$300.00
LifeCare Volunteer Ministry
$101.40
$500.00
$400.00
Premarital
$798.06
$400.00
$400.00
$8.99
$150.00
$150.00
Job Exchange
$305.18
$100.00
$100.00
Simple Sewing
$296.10
$500.00
$500.00
P.A.W.S.
Rebuilders for Christ
$243.24
$2,500.00
$3,000.00
Turnabout Ministry
$27.50
$5,000.00
$5,000.00
Military Ministry
$246.15
$500.00
$500.00
Ministry Support Materials
$149.30
$1,500.00
$1,600.00
Stephen Ministry
$2,989.77
$3,000.00
$3,000.00
$257.18
$300.00
$250.00
$6,751.07
$9,450.00
$9,250.00
Actual 2011
Budget 2012
Budget 2013
$1,507.12
$3,000.00
$3,000.00
Training/Workshops/Resources
$0.00
$700.00
$700.00
Conferences/Spec. Prayer Focus
$1,071.34
$1,400.00
$1,400.00
$0.00
$200.00
$200.00
Homeless Hygiene Ministry
$1,675.38
$2,500.00
$1,500.00
Meals on Wheels
$7,900.00
$9,000.00
$0.00
Roll Up Your Sleeves
$4,311.50
$5,000.00
$5,000.00
Dementia Daycare
Prison Ministry
$1,003.59
$2,500.00
$2,000.00
TOTAL CONGREGATIONAL CARE
Tutoring
$1,242.40
$500.00
$1,500.00
PRAYER MINISTRY Supplies/Postage
Actual 2011
Budget 2012
Budget 2013
$6,415.17
$19,000.00
$25,000.00
ESL
($258.99)
$1,800.00
$1,800.00
Community Outreach
$1,220.86
$0.00
$0.00
$70,000.00
$80,000.00
$1,000.00
$1,000.00
Phone Ministry Materials TV Prayer Line
$438.43
$500.00
$500.00
Followership Prayer Focus
$365.67
$600.00
$600.00
$6,415.17
$19,000.00
$25,000.00
Actual 2011
Budget 2012
Budget 2013
$1,182.58
$2,000.00
$2,000.00
$335.13
$500.00
$600.00
$2,364.63
$2,500.00
$2,500.00
$0.00
$700.00
$700.00
$954.01
$1,500.00
$1,600.00
$6,999.43
$7,000.00
$7,600.00
$11,835.78
$14,200.00
$15,000.00
Transformation Montgomery Evacuation Shelter
$2,021.92
New Opportunities TOTAL COMMUNITY MINISTRIES SERVE PROGRAM SUBTOTAL
$8,040.39
$5,000.00
$5,000.00
$28,546.55
$108,600.00
$108,900.00
$1,758,793.92 $1,986,300.00 $1,851,200.00
SERVE PROGRAM STAFF 6 SERVE MISSION STAFF6 SERVE TOTAL
$1,279,693.65
$1,222,571.19
$117,863.69
$121,622.94
$3,383,857.34 $3,195,394.13 COM M UN I CAT I ONS
Actual 2011
Budget 2012
Budget 2013
$70,000.00
$70,000.00
$70,000.00
$0.00
$5,000.00
$5,000.00
Advertising
$70,000.00
$75,000.00
$75,000.00
Newspaper
$26,975.95
Actual 2011 $4,261.85
Budget 2012 $5,000.00
Budget 2013 $4,500.00
Website
$18,947.84
$2,950.00
$4,000.00
$5,000.00
COMMUNICATIONS WORK AREA
Design Resources
$52,290.85
$52,000.00
$57,000.00
TOTAL COUNSELING CENTER
$28,000.00
$28,000.00
CONG. CARE SUBTOTAL
$22,000.00
$20,000.00
$4,202.41
$7,000.00
$6,000.00
On-Site Communication
$10,585.67
$15,000.00
$10,000.00
In House Printing
$11,616.61
$45,000.00
$45,000.00
$52,000.00
$50,000.00
$3,000.00
$2,800.00
TOTAL COMMUNICATIONS
$124,619.33
$169,000.00
$166,000.00
Background Checks
INFORMATION TECHNOLOGY
Actual 2011
Budget 2012
Budget 2013
$29,938.04
$28,000.00
$26,000.00
$8,522.35
$5,000.00
$5,000.00
$38,460.39
$33,000.00
$31,000.00
$2,000.00
$2,000.00
$500.00
$500.00
Shuttle Expenses
$4,405.32
$8,000.00
$5,000.00
Transportation
$6,061.06
$5,500.00
$7,000.00
$114,388.87
$110,000.00
$115,000.00
IT Expenses Multi-Media Support TOTAL IT
Support Groups
Budget 2013
$1,820.01 $731.58
COUNSELING CENTER
Budget 2012
$41,850.00 $1,288.45
TOTAL PRAYER MINISTRY
Actual 2011
Janitorial Supplies
Parking Supplies
City Wide Ministry Volunteer Fellowship
Counseling Center Operations
Custodian Uniforms
Insurance
November 2012
CONG. CARE PROGRAM STAFF CONGREGATIONAL CARE TOTAL
$0.00
$200.00
$200.00
$688.76
$800.00
$800.00
$4,071.32
$7,400.00
$7,400.00
Actual 2011
Budget 2012
Budget 2013
$65,427.78
$54,021.42
$50,000.00
$76.00
$500.00
$0.00
$65,503.78
$54,521.42
$50,000.00
$76,326.17
$71,371.42
$66,650.00
$288,381.11
$312,040.68
$359,752.53
$378,690.68
November 2012
www.frazerumc.org
11
S U M MA RY DESCRIPTION
Actual 2011
MINISTRY BUDGET SUB-TOTAL EARLY DEBT RETIREMENT8
Budget 2012
Budget 2013
$8,558,061.12
$8,129,693.96
$500,000.00
$350,000.00
$421,316.83
GRAND TOTAL
Debt Retirement $.95M 11%
$8,520,160.86 $9,053,242.83 $8,479,693.96
Amount Change 2013 vs. 2012
($573,548.87)
Percent Change 2013 vs. 2012
-6.34%
world-changing MissionS
Budget 2013
Percent
$1,919,177.36
23%
Word-Centered Ministries $3.60M 43%
World-Changing Missions $1.91M 23%
Includes Missionary Support, Missions Projects, Student and Adult Mission Trips, Local Outreach, Community Ministries, external Communication, Apportionments related to Missions, and Missional Staff word-centered Ministry
$3,608,132.66
43%
Includes age-graded disciple-making ministries from Nursery to Older Adult, Worship, Music and Drama, Activities ministry, Food Service, Congregational Care, Prayer, internal Communication, and Ministry Staff Ministry Support
$1,997,383.94
Ministry support $1.99M 24%
24%
Includes building maintenance, utilities, equipment, office supplies, etc. Debt Retirement
$955,000.00
11%
Includes principal and interest; debt will be repayed at current rate by first quarter 2015 Total
$8,479,693.96
100%
Notes 1. Apportionments are how United Methodist Churches cooperate to fund missions and ministry together. Frazer’s apportionments were reduced this year due a lower budget request from our district.
5. New furnishings and equipment will be purchased this year out of any surplus funds after the end of the year rather than be a budgeted item.
2. Individual missionary support was reduced, but mission project support was increased this year, for an overall increase in our missions support. This change reflects an effort by our Missions Board to focus more resources in a few key areas so we can make a greater long-term impact—in other words, going deeper instead of wider.
7. Communication staff reduced by contracting out services for web design.
6. Serve team program staff reduced by attrition; mission staff increased by addition in Community Ministries.
3. The Asbury Campus of Frazer requested this year to launch out on their own as a new church, Zion Fellowship United Methodist.
8. The budgeted amount for Debt Retirement is sufficient to continue paying off our debt by the first quarter of 2015. Giving above and beyond the budgeted amount would allow us to pay the debt even sooner, reduce the overall interest paid and free more money in the future for investment in ministry and mission.
4. Discipleship staff added a new position for college/young adult ministry director.
†
Staff expenses were reduced in several areas due to savings in health insurance costs.
Debt becomes “ours” in marriage Dave Says Dave Ramsey
Dear Dave, I got married in May, and my wife brought student loan debt into the marriage. I had some savings before the wedding, and I could pay this off immediately without putting us in a bind. But is this “her” debt, or should I look at it as “our” debt? — Ernest
Dear ERNEST, Absolutely, you should view it as “our” debt. It came with the territory when you two walked down the aisle. A lot of people don’t use the old-fashioned marriage vows anymore, but The Book of Common Prayer reads, “… for richer, for poorer, in sickness and health, and unto thee I pledge my worldly goods.” Basically, that means you’re saying, “I’m ready to take a bullet for you. I’m going to do whatever it takes to serve you, and vice versa.”
You’re joining your separate lives into one. In addition to all this, you guys need to be in agreement on how you’re going to handle money. In other words, it all gets worked out together with both of you sitting down and planning your financial future as one. This is called a budget. Like everything else, you work on it together. It’s not a situation where one of you is making all the decisions or bailing out the other. But if you guys are on the same page—if your relationship is healthy and you’re in agreement about moving forward with shared dreams and goals—then I’d say write the check today and knock out that debt! —Dave
Reprinted with Permission. Dave Ramsey is America’s most trusted voice on money and business. He’s authored four New York Times best-selling books: Financial Peace, More Than Enough, The Total Money Makeover and EntreLeadership. The Dave Ramsey Show is heard by more than 5 million listeners each week on more than 500 radio stations. Follow Dave on Twitter at @DaveRamsey and on the web at daveramsey.com.
Need help? Overcoming and eliminating debt can be overwhelming and even seem impossible. If you would like to get started on Dave’s Financial Peace program with his seven Baby Steps to Financial Freedom, or would like to learn how to create a budget, call Gary Sanderson at 462-0839 or sandersong@knology.net.
PERIODICALS POSTAGE PAID AT MONTGOMERY AL 36119
Frazer Memorial United Methodist Church P.O. Box 241347 Montgomery, AL 36124-1347
NOVEM B ER 2 0 12
Inside this issue:
MISSIONS GOLF TOURNAMENT .......................................................................... 1 November ANNOUNCEMENTS AND CALENDAR OF EVENTS............................... 2-3 Remembering the SAINTS............................................................................... 4 TRUNK OR TREAT 2012 A SWEET SUCCESS ...........................................................6 FREEDOM SOUND RELEASES DEBUT CD, night of worship nov. 11.................... 7 SINGLES MINISTRY ZOO DAY..............................................................................8 FRAZER 2013 ANNUAL BUDGET REPORT.......................................................... 9-11 And more!
Save the date:
Dec. 15 & 16 @ 7 p.m. in Wesley Hall
F o r t h e l at e s t n e w s a n d e v e n t s , g o t o f r a z e r u m c .o rg