Leland's Seven Stewardship Principles — Church Stewardship Program

A partnership with Leland Rubin, creator of the Seven Stewardship Principles, and Allan Bell - CPA, CMA, MBA, Nsites founder and creator

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Readiness Score

Sample Community Church · Atlanta, GA

60of 100

Overall readiness

Needs attention

Component breakdown

Banking

74

Checking/savings setup, direct deposit, overdraft exposure.

Credit

61

Estimated score band, utilization and on-time payment history.

Budgeting

68

Whether spending is tracked and expenses fit within income.

Protection (insurance)

52

Coverage for health, life, disability, auto/home/renters.

Saving & investing

47

Emergency reserve depth and retirement/investment participation.

Planning

58

Whether goals, a written plan and beneficiaries are in place.

Score history

How this score is calculated

Your readiness score is the simple average of six component scores: banking, credit, budgeting, protection, saving & investing, and planning. Each component is scored 0–100 from your assessment answers, quiz activity and self-reported entries in Budget, Credit, Banking, Insurance and Investing. This is an educational estimate, not a credit decision or financial diagnosis.

Improvement levers

  • Banking: Set up automatic transfers into a separate savings account.
  • Credit: Bring card utilization under 30% on your highest-balance card.
  • Budgeting: Assign every dollar of last month's income to a category.
  • Protection (insurance): Get a term life quote if you have dependents and none today.
  • Saving & investing: Automate $50/paycheck into an emergency fund.
  • Planning: Write down one 12-month goal with a target amount and date.

Component comparison