Savvy stewardship has two steps. 1. Increase above and beyond giving. People love to give above and beyond in five different areas: next generation, capital, local outreach, national ministries, and global missions. Tap into these through an impact fund that is available 52 weeks of the year. 2. Use your increased financial resources in three ways: create margin, use margin to take advantage of surprise ministry opportunities, use margin to pay for causes that aren’t as motivating like reducing debt. When you string a few years of this together, your margin will increase, your cash reserves will increase, your debt load will decrease, and you will find yourself paying cash for things you never thought you could.