We all know and realize that most pastors and ministry staff operate on tight church and personal budgets. It’s just the reality of being in ministry. Expensive degrees and copious years of schooling to do not promise a luxurious salary. However, if you get creative (or have a spouse who works at a more high-paying position) this doesn’t have to be a deterrent to being in ministry.

At Christmastime, however, often we feel the penny-pinch both in our church finances and in our personal finances. I recently came across this funny infographic created by Dave Ramsey’s team on how to decide whether or not you should buy someone a Christmas gift. It just might help you out this year: