“Speak up for those who cannot speak for themselves,
for the rights of all who are destitute.
Speak up and judge fairly; defend the rights of the poor and needy”
(Proverbs 31 vs 8 and 9)
Turn on the news, speak to your friends or perhaps look at your own bank balance and you can be in no doubt that mounting personal debt is one of the biggest issues in our society today. Estimates range between 1 in 5 people being in debt to 1 in 3 and for many this is a severe problem; not knowing where the next mortgage payment is coming from or if there will be food to go on the table. As Christians we have a commission to reach out in love, to people affected, to try and support them both in practical ways and with the Good News of Jesus.
What is CAP?
CAP stands for Christians Against Poverty and is a national debt counselling charity which aims to offer hope and a solution to anyone in debt. Part of their mission statement says :“CAP aims to show God’s love in action by providing sustainable poverty relief through debt counselling, advice and practical help.
CAP’s unique ‘hands on’ approach empowers people to help themselves out of poverty and be released from the fear, oppression and worry generated by overwhelming debts. We are providing sustainable poverty relief as our service teaches clients vital budgeting skills that will last a lifetime.”
The primary function is to be evangelists of the gospel. Every time a client is converted a bell is sounded at CAP HQ and everyone gathers to pray and give thanks to God. In May alone the bell sounded 47 times!
CAP will only work in an area where they can partner with a local church. In a nutshell, they provide the debt expertise with a local worker being the personal contact, or as they described “the evangelist”.
CAP also works to prevent people from falling into debt. This is primarily done through CAP Money, a three session money management course which aims to enable people to get to grips with their finances before they fall into debt, and which is delivered by the local worker.
CAP Money Management Course
This course teaches budgeting skills and a simple cash based system that really does work. The course will help you get more in control of your finances, so you can save, give and prevent debt.
CAP Money is delivered over three sessions featuring a DVD presented by John Kirkby, CAP’s founder and International director.
1: How to build and live on a budget
This is the cornerstone of managing your money well. The session includes advice on how to increase your income and how to cut costs
2: The CAP Money system.
This system will help to simplify your money and make it understandable.
3: How to live from week to week using cash.
Living on cash and getting away from cards means you know exactly where you are and helps you to spend less money. It’s statistically proven that you spend 33% less money when paying by cash rather than cards.
By applying the three principles, you will learn how to manage your money and live your life. If you discover that you can’t balance your budget and pay off any debts, support is available from CAP Money Plus.
If you are interested in their work, please speak to Calum, Fontaine or Fiona and/or visit their excellent website https://capuk.org/ which has a huge amount of information about CAP and resources available for anyone who is struggling with money matters.
Look out for news items regarding CAP
Rev Calum MacMillan, Fiona Dolan & Fontaine Selway