Let me start with some quotes:
2 Samuel 24:24
But the king said to Araunah, "No, but I will buy it from you for a price. I will not offer burnt offerings to the LORD my God that cost me nothing." So David bought the threshing floor and the oxen for fifty shekels of silver
1 Timothy 6:17-19 (English Standard Version)
As for the rich in this present age, charge them not to be haughty, nor to set their hopes on the uncertainty of riches, but on God, who richly provides us with everything to enjoy. They are to do good, to be rich in good works, to be generous and ready to share, thus storing up treasure for themselves as a good foundation for the future, so that they may take hold of that which is truly life.
Psalm 112:4-6 (English Standard Version)
he is gracious, merciful, and righteous.
It is well with the man who deals generously and lends;
who conducts his affairs with justice.
For the righteous will never be moved;
he will be remembered forever.
What do we see?
That the giving of bits that cost us nothing that are easy, is not the way that God approves. Counting the pennies and making sure everything is done as cheaply as possible is also not the best way. What we need to do is to get people to think what the church could do if it wasn't watching the pennies so closely.
Basically as the church is at present it is strapped for money for mission. The two things that take priority on spending are ministry and buildings. A healthy congregation should be spending that again on social outreach and mission, according to John Calvin. That shows the deficit in many congregations and it shows where our priorities are. How do we change our priorities and how do we finance the mission of the church?
Firstly we need to consider how we give. There is a joke out there about tithing:
A systmem of raising money that demonstrates that the average member of the congregation is living on twenty ponds a week!
Tithing is a system that is a flat rate tax. Lets allow people to use take home pay especially as the chancellor gives back basic tax. Then for a Christian that is the money that God has given you to live on. The person with first claim on it is not you but God. Tithing is therefore a sign that it belongs to God. The URCs suggestion that half the tithe should go to other charities and half the tithe to the Church seems a decent enough suggestion. However then you have only done the minimum, what you give beynond that is really what makes you generous.
I fully accept some people struggle to make ends meet as it is. Some of these members the church probably should help by teaching them budgetting skills. others are genuinely financially short and should not be expected to pay a tithe, in fact the church should be giving to them. However this should be more than compensated for by the extra giving of those who are "rich" and by rich I don't mean the super rich I mean anyone who would class themselves as middle class due to income.
I also happen to believe that a congregation should tithe as well and give 10% of its income to situations where the Church is struggling to make ends meet. I don't care whether this is overseas or places of mission within the UK. This should come out before we pay Mam or for buildings. In other words the first call on our finances is the church catholic in the broadest sense.
When we start to look as our money as God given rather than ours, then there should come a different attitude of heart to what we do.