Summary: Figuring out how to pay for an mission is one of the top things on the minds of youth and seniors who are planning to serve a mission soon. This article discusses how to pay for a mission, both literally making the payments as well as figuring out how to make the money to pay for it.
Missionaries Should Strive to Pay Their Own Way
As I’ve discussed in my article about the costs of serving a mission, missionaries of The Church of Jesus Christ of Latter-day Saints are volunteers and pay their own expenses. The responsibility to provide financial support for a missionary lies first with the individual and second with the missionary’s family. Missionaries and their families should make appropriate sacrifices to provide financial support for a mission and they will be richly blessed in return. Church leaders have even said that it is better for a person to delay a mission for a time and earn their own money rather than to rely entirely on others (see the Church Handbook of Instructions). However, Church leaders have also stressed that worthy potential missionaries should never be prevented from serving solely for financial reasons when they and their families have done all that they can to pay their way.
Equalized Contribution and Paying to the Ward Missionary Fund
Many years ago, the Church equalized the contribution required to pay for expenses of missionaries, regardless of where these missionaries are called to serve. Young missionaries in the United States each pay $400 a month, and then depending on where they serve, they are allotted a monthly allowance according to their needs. The missionaries and/or their family donate the $400 a month to the ward mission fund, paying it in the same way members pay tithing, via the paper envelope or the Church donation website. For each missionary from a ward who is serving a mission, the bishop ensures that the monthly contribution is available in the ward mission fund each month. In most cases, that means the bishop relies on the family of the missionary to make sure they deposit the $400 a month into the ward mission fund.
The Church’s online donation website makes it easy for missionaries and their family and friends to make the actual banking transaction to donate to a missionary or make the monthly payment. The website also lets members all over the world donate to any missionary’s ward missionary fund, and thus help cover the cost to support missionaries. See this article for more details about how to make payments for your mission and how to contribute to the mission of a family member or friend.
Also, it should also be noted that the equalized contribution applies only to young proselyting missionaries. It does not apply to senior missionary couples, missionaries in non-proselyting assignments, sisters ages 40 and older, or Church-service missionaries.
While missionaries should avoid relying on people outside of their family for financial support, there are times when it may become necessary to ask others to help pay for your mission. If necessary, the stake president or bishop, in consultation with the family, may ask members in the stake or ward to contribute to a missionary’s support by donating to the ward missionary fund. This should only be done after all family sources of financial support have be exhausted. Click here for a related article on ideas for earning and saving money for your mission.
Personal Funds for Extras
The $400 a month and associated monthly allowance missionaries receive is designed to cover food, lodging, transportation, and other missionary service-related expenses. Additional expenses a missionary might have are asked to be paid with personal funds. Missionaries are asked to bring or receive extra personal money for additional items that are personal or not a necessity. This includes clothing, bicycle purchases and repairs, medical costs not paid by the mission, photo processing, souvenirs, and gifts. These optional personal expenses should be kept to a minimum.
Supplemental Support from the General Missionary Fund
In some part of the world supplemental financial support from the Church’s General Missionary Fund is available for missionaries who are unable to support themselves, even with the help of family and their ward and stake. Church leaders in those areas of the world will know if they qualify for such assistance.
Financing Senior Couples and Other Non-Proselyting Missionaries
Senior missionary couples, sisters ages 40 and older, church-service missionaries, and young church-service missionaries are not able to finance their missions through the equalized contribution system. Costs for this missions vary greatly and these missionaries must pay their own expenses, or raise the necessary money from family and friends. It should be noted though, that senior missionary couples and sisters over 40, in some cases, may receive financial assistance from the ward missionary fund if they do not have adequate means to support themselves. Talk to your bishop or stake president for more information.