How Tithing Helped Us Be More Financially Responsible


While we continue to unpack our lives out of boxes, here’s a post that we wrote a while back on DailyFinance. Enjoy, and (fingers crossed!) see ya next week!

The days leading up to my childhood birthdays were ones filled with suspense. I’d watch the mailbox like a hawk, awaiting two cards — one from my grandma and the other from my great aunt and uncle. Each contained cold, hard cash, totaling six whole dollars. And for a 7-year-old, that amount could buy a lot of 10-cent Airheads from the grocery store.

But before any of that money could be exchanged with the store clerk, my parents required that I set 10 percent of it aside for religious tithes. As I got older and made more money, the 10 percent contributions continued. And they weren’t much of a sacrifice since my parents paid for almost all of my needs and wants.

And then I grew up and got married to a guy who was also brought up paying 10 percent in tithes. We were young and poor and in debt, and what little money we had was going toward the bare necessities. Right after we’d said “I do,” we opened a joint checking account and pooled our meager savings.

Unified Commitment

We’d both tithed our whole lives, but we realized giving away 10 percent was going to hurt a lot more than it had before we were married. We were trying to save for our future now. We wanted to get out of debt. Uncle Sam was already taking a hefty percentage from us. When we thought about it too much, we knew there was no way we could afford to part with that 10 percent to our church.

So we did what any responsible adult would do — we stopped thinking about it. As soon as we got our paychecks, we paid our utilities, our rent and our tithe. We treated it like one of our bills that just had to be paid. And thanks to making that decision once early on in our marriage, we’ve never had to make it again. We’ve also never felt the absence of that 10 percent since.

While tithing itself hasn’t necessarily been a boon to our finances (especially after we calculate what our true net income amounts to after tithing and taxes), the mindset we’ve adopted because of it has helped us be responsible with our money in more ways than one.

Putting Money into Savings Each Month

We approach our savings the same way we do tithing. Before we’ve spent a cent of our paychecks, we put a certain percentage into savings. Like tithing, we treat it like a bill that needs to be “paid.” We’ve set up an automatic transfer from our checking account so that we don’t even have to worry about spending it. Currently, we’re also saving for a down payment, and so part of our savings automatically goes toward that savings fund specifically, helping us to make consistent progress.

Saving for Retirement

As with our savings, we save for retirement similarly. Whenever we’ve had a 401(k) match option with our employers, our contributions are always taken out before we ever see them. It’s much harder to miss money you’ve never seen. Since we don’t currently have a 401(k) option, we max out our Roth individual retirement accounts at the beginning of the year before we even have a chance to second-guess ourselves.

Paying Our Credit Cards Off in Full

Each month, no matter what we’ve spent on our credit cards, we pay the balance in full. We decided from the beginning that if we were going to have credit cards, this is how we would handle them. On the first day of every month, we pay off the balance of every credit card. With a system in place, we once again take the monthly decision-making out of the scenario. In the process, it also ensures that we never spend more than we can pay off, which keeps us far, far away from carrying credit card debt.

Anyone can have this mindset to money. Tithing isn’t the magic ticket — it’s just what helped us learn these principles early in marriage. The key is to make a decision once so that you never have to make it again. This helps to take the emotion out of those hard financial decisions. We never allow ourselves to wonder what we could buy with the money we’re putting toward retirement or savings or tithing. Instead, we trust our prior decisions and never look back.

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  • Reply Luke Fitzgerald @ FinanciallyFitz August 7, 2015 at 8:08 am

    You make some really great points! I find titthing (we also tithe) is a very interesting topic. It just doesnt make sense that giving your money away is a good financial decision, especially for people that dont have a lot of money – but it is! It puts other things into perspective. It pushes us down a path that prioritizes behavior with money, not money itself.

  • Reply Ali @ Anything You Want August 7, 2015 at 9:07 am

    It is great that your parents helped you create this habit from such an early age. It is so important to learn to give back, and also the importance of “paying yourself first”!

  • Reply Reetu August 7, 2015 at 9:57 am

    Tithing is hard! I didn’t grow up with it but since my husband & I are actively involved in church it’s something we WANT to do. Although we want to, it still makes it difficult to see that 10% go! I love your advice on paying it like a bill, then we don’t have to think about loosing that money. Instead, it something we just have to do every month and we learn to live without that 10%.

  • Reply Tarynkay August 7, 2015 at 2:14 pm

    We also tithe. I grew up doing it, my husband did not. Part of tithing for us is being conscious that ALL of our money belongs to God, not just 10%. So we need to make financial decisions that glorify God with all of our money. This realization has really helped us to be better stewards of the money and other resources we have been entrusted with.

  • Reply Newbie August 8, 2015 at 1:14 am

    I was raised with similar habits, and they’ve served me well, especially paying off credit cards in full. I’ve never paid a penny in interest or fees. Sadly, my sister didn’t do the same, and it’s been hard, watching her struggle in serious debt. I feel bad for our Dad, as the situation has broken his heart.

  • Reply Katie Ball August 8, 2015 at 7:53 am

    Great points! “Tithing off the top” reminds us of our priorities, rather than simply giving what we have leftover at the end of the month. We are currently doing a finance series in our Sunday School (yes we still go to “Sunday School” at our church!) with Randy Alcorn’s “Money, Possessions, and Eternity” and it has been amazing!!! It is a really, really great book! We haven’t gotten to tithing yet, but I am looking forward to that section. But if you guys haven’t read it, you should definitely check it out!

  • Reply Ashley @ The Life Budget August 14, 2015 at 8:45 pm

    I’m a new follower of your blog, and I love this article! My husband and I have also been regular “tithers” (probably not a word, but you catch my drift) since we got married. We didn’t have much as newlyweds, but, ten years later, we can look back and know that the foundation we set through decisions like regular tithing and saving were important not only for our financial health, but for the strength of our relationship as well.

    I actually just posted an article on my blog this week about the importance of including charitable contributions in your budget (like tithing). You can check it out at

    Thanks again for a great post, and I look forward to following your new posts in the future!

  • Reply Melanie September 2, 2015 at 11:41 am

    This is really an interesting topic to me. I’m Catholic, and we never grew up tithing or even discussing it. In fact, when we did go to Church, we put in a few dollars or $5, etc. I think,( although Im not sure), that Catholics are less into tithing than other Christian religions. I’ve heard Dave Ramsey say that only 3% of Christians tithe…so its a very rare practice, apparently. when I do the calculations to what my 10% would be, my eyes bulge! I just did the math, which tells me right now I give about between 1-2% of my gross income. Having never grown up with it, and it not being discussed much, I find the topic very fascinating and perplexing. I guess it’s something I should spend some time thinking about and reading about. Cool topic!

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