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[quote=Anonymous]Interested in hearing your opinion.  My husband and I strongly feel we should give, but we are buried in debt.  Credit cards, student loans, car payment, mortgage, etc.  We both have demanding full-time jobs and have two children in childcare, with really no extra time for a second job for either of us.  If we give 10%, we can "make it" on 90%, but with absolutely nothing left over - no savings, retirement, etc.  We implemented a budget a few months ago, which included tithing 10%, and have stayed on track, but the problem is that so much of our income is taken up by items that are non-negotiable - house, food, bills, childcare (a huge one) - that we don't foresee ourselves ever getting ahead.  It is clear that we made some POOR choices and are doing what we can to get out, and we do feel that we need to give.  I keep reading "if you can't live on 90% of your income, you can't live on 100%", and I just don't think that is true in our case.  10% of our (take-home) income is $900/month, which is significant when you're living so tightly.  Personally, I feel comfortable with halving that and giving $450, as long as we are sticking to a budget and continuing to pay down our debt responsibly.  Prior to getting a budget nailed down, there was $0 leftover at month-end, so I feel $450 is an improvement, and really a substantial amount in light of our current situation.  My husband feels a little like I'm just rationalizing not having to give as much, though I am the one who manages the budget and spending, and think I have a more realistic view of just how dire things are.  What have you done?[/quote]

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