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WHY DO WE HAVE DEBT?

Our church ran a very successful fundraising campaign where we raised $1,221,575.76 over a span of three years and saw the renovations completed, but due to Covid-related cost increases affecting building materials and labour, we were left with outstanding expenses of $780,000. In May 2022, we secured a loan and mortgage totalling $800,000 ($150,000 loan, $630,000 mortgage, $20,000 to cover costs for our debt retirement campaign).

WHY SHOULD WE PAY THE DEBT OFF NOW?

In November 2023, we reached a great milestone in our debt retirement campaign! We paid of our loan of $146,197! This alone saves us $75,000 in interest payments if we had carried the debt full-term (20 years)! 

As of December 2024, we have been paying $4,628.39 EACH MONTH to carry the debt. This has been reduced by almost $1000/month from when we launched the campaign thanks to all of those who've given! 

Annually, we're currently paying $55,540.68. The sooner we can pay down the debt, the less interest we'll have to pay, allowing us to invest more in ministry!

We want this campaign to be about something more than our need to pay down the debt on our building.

Throughout this campaign, we will be giving $80,000 to help others locally, across Canada, and around the world. 

In June 2023 we developed a Generosity Team who is tasked with researching mission opportunities and projects that we will be supporting through this campaign as we hit each Generosity Goal. The recipients of each Generosity Goal will be revealed throughout the course of the campaign.

When we hit each generosity goal, we will not only be celebrating how much of the debt we’ve payed off, but celebrating how we’ve been a blessing and tangible help to others!

We reached our first Generosity Goal in April 2024! We presented a cheque for $10,000 on Sunday, May 5, 2024 to provide kitchen equipment for Capital City Mission (CCM)!

CCM have received an 80% increase in meal program users since 2020 and most of their appliances are 15-20 years old. List of items include a larger coffeemaker, a dishwasher, and a deli meat slicer to better serve their community.

Capital City Mission runs a coffee-house style drop-in which is a place of friendship and community for the poor and homeless in downtown Ottawa. It's a home for many people who don't have families in their lives. CCM also runs a bible study and provides chaplain care. For more information visit https://capitalcitymission.com/.

We reached our first Generosity Goal in April 2024! We presented a cheque for $10,000 on Sunday, May 5, 2024 to help Christian Counselling Ottawa update and re-launch their Youth Skills and Support Program!

This will help create both a two- week and an eight-week program to support youth (ages 12-16) who are dealing with trauma, PTSD, sexual violence, anxiety, cyberbullying, and other mental health challenges. 50% of the funding would update the material and 50% would help re-launch the program by deferring fees for students.

Christian Counselling Ottawa (CCO) is committed to providing professional and accessible counselling and psychotherapy to assist people in effectively managing life’s challenges. They provide individual, couple, and family counselling in the areas of grief, depression, anxiety, addiction, abuse, trauma, relationship issues in marriages and families, child development, as well as providing counselling for churches and pastors. Visit www.christiancounsellingottawa.ca for more information.

When we reach our next Generosity Goal, we will be giving $25,000 to Focus on the Family Canada's Kerith Renewal Retreat for Ministry Leaders.

Kerith Renewal Retreats are for individuals or couples involved in vocational ministry (pastoral, missionary, para-church), allowing them to benefit from a 7-day retreat at one of three centres located across Canada. The retreat includes private accommodation, personal counseling, small-group teaching, and one-year of personalized follow-up, encouragement, and support from program directors.

When we hit our third and final Generosity Goal, there will be a huge celebration! Not only will we have eliminated our debt, but we will give $35,000 more! As we get closer to reaching this goal, we will reveal the recipients.

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