• Skip to main content
  • Skip to primary sidebar
  • Skip to footer

  • About
    • About us
    • Why SeedTime?
    • Our Beliefs
    • The Story of SeedTime
  • Podcast
  • Free Book
    • Get your 1st copy free (+S&H)
    • Order multiple copies here
  • Programs
    • Login
    • Mission-Driven Millionaire
    • True Financial Freedom
    • The Real Money Method (unbudgeting) course
    • The 10x Investing course
  • Churches
  • Blog
    • The 14 Financial Tools We Actually Use
    • Our strategy for giving away millions
    • 5 Bible Verses You Should Know (Free PDF)
    • 25 Ways to Save Money
    • Why we began giving our age as a percentage
    • My Checklist To Financial Freedom (Free PDF)
    • Tithing: an honest look and what we do
    • Why I took a Sabbatical YEAR (and how I did it)
    • How to travel for FREE [161 hotel nights and 103 flights all free]
    • 4 Financial Lessons from Solomon: The Richest Man Ever
    • How to become a millionaire by turning $2k into $1 mil
    • How to get out of credit card debt (Free PDF)
    • How I made $2,145 Last Month by decluttering
    • How I Broke Free From the Rat Race (in less than 2 years)
    • We just checked off the biggest goal in our life
    • Our Honest Medi-Share Review after 14 years
    • 4 Money Habits To Start (that basically guarantee financial success)
  • Email

Should you tithe while trying to get out of debt?

written by Bob Lotich, CEPF® | Biblical Personal Finance, Debt Help

Should Christians Tithe While Trying To Get Out Of DebtBeing in debt and Tithing

I can’t even count how many readers have emailed me asking me about whether or not they should tithe while getting out of debt.

Tithing is a fiercely debated topic (read comments on the post I wrote called Tithing in the New Testament for proof) as you would expect with anything that seems to not make sense.

I still wonder in amazement at how so many of God’s principles are absolute foolishness to non-christians… I mean who in their right mind would give expecting to have more?

That said, I will use this post as a summary of how I commonly answer the “tithing in times of challenge” questions.

I will lay out my thoughts about the subject and what I have found from the Bible about it.

The Bible says that we all know in part, so I don’t claim to know the answer for everyone, but this is what I have landed on. If this is a question you are asking for yourself, I suggest you pray and dig into your Bible!

My tithing story

I get a kick out of stepping out in faith. I absolutely love it. When I was 20 I packed up everything I owned an moved to Florida without a job lined up because I felt God calling me. I still remember the uncertainty of my ability to hear from God coupled with the thrill of the faith-walk. Turns out I was hearing from God and that season was a huge turning point in my life. I would have missed out on so much and I would be nowhere near where I am today spiritually had I not stepped out in faith and obeyed that leading.

The reason I bring this up is because we (Linda and I) have taken the same leaps of faith with tithing. As I detailed in a post called my tithing experience, I explained that due to an error on my part I found out that even though we thought we were tithing, we were actually about 1-2% short. With the same anticipation and feelings of uncertainty, we decided to fix the problem and increase our giving up to 10% – even though this would take our expenses higher than our income. Within a DAY we saw God kick our income up over our expenses. I am convinced he was trying to teach us a valuable lesson about His faithfulness – I never want to forget it.

While we have been working to pay off a huge chunk of debt over the last few years, we have been faithfully tithing. It would be nice if I could say that I started tithing and the next week a check came in the mail to pay off all of our debt, but God doesn’t seem to do it that way very often. He seems to be interested in changing us than just making the problem disappear. Honestly, what good would it do if He made all our debt disappear without us learning the discipline of handling our finances properly? If we created all the debt by over-spending, then we would just end up in the same place again.

While I haven’t received a $100,000 check in the mail yet, we have seen numerous large chunks of our debt paid off over the last few years – I thank God for them and am convinced that He was involved in bringing them to us.

So, should you tithe while getting out of debt?

I would be willing to bet that if we had spent the last 3 years paying our tithe money to our debts, we would not be near as far along as we are.

Check out this video for another way of thinking about this question…

What about you? I would love to hear your thoughts or stories about tithing…

Related posts:

  1. Budgeting Software: 13 Great Free Budget Software Tools
  2. How to be good with money [start by never buying these 7 things]
  3. Why I use credit cards instead of debit cards or cash
  4. How to get out of credit card debt (on your own)

About Bob Lotich, CEPF®

Bob Lotich, CEPF® is a Certified Educator in Personal Finance and has over 15+ years experience writing about Biblical personal finance. He is the award-winning author of Simple Money, Rich Life and has been named a top 20 social influencer in personal finance. Check out his on-demand Christian financial class for couples, small groups and churches called True Financial Freedom.

IFCFH Book of the Year
"The best combination of personal finance and the Christian faith that I’ve read"
– James T. (SMRL reviewer)

In this biblically sound and grace-filled money book, you'll discover the NEW rules of money that will transform your financial life. Say goodbye to outdated advice and hello to a simple, automated system that helps you achieve better results with less time and effort.

"The best combination of personal finance and the Christian faith that I’ve read"
Learn more
We earn a commission if you make a purchase, at no additional cost to you.

Primary Sidebar

Bob Lotich

Hi there! We are Bob & Linda Lotich. Jesus followers, authors, podcasters, and undying fans of Michael Scott.

This site contains the lessons we learned on our journey from being stingy, debt-ridden fools, to being able to reach our biggest financial goal of giving $1 million by age 40, having zero debt & a paid off house by age 31, and peace with money in the process.

Now we share our best lessons with people like you, groups, and churches with our Award-winning book Simple Money, Rich Life and our 6-week video course True Financial Freedom.

Grab our book!

Simple Money Rich Life

Legal Disclaimer

The articles on this site should not be taken as financial advice. Please contact a financial advisor (or coach) for specific advice regarding your situation. Any references to interest rates, giveaways, deals, products, and websites are subject to change without notice. We try our best to keep the information current, but things are always changing so it may be different now than when it was first published. Also, all the pages on SeedTime help us pay the bills by using affiliate relationships with Amazon, Google, eBay and others but our opinions are NEVER for sale. Find out more here.

Footer



SeedTime is a 2x Plutus award winning website.
seedtime money logo



SeedTime BBB Business Review
seedtime instagram seedtime money youtube channel seedtime money twitter with Bob Lotich


Our book Simple Money, Rich Life was named 2022 book of the year!
  • Home
  • About
  • Beliefs
  • Blog
  • Courses
  • Shop
  • For Churches
  • Press
  • Affiliates
  • Login

Privacy Policy | Terms | Reviews | Earnings Disclaimer | Contact | 636-344-0438
625 Bakers Bridge Ave Suite 105-134 Franklin, TN 37067
©2007-2025 · SeedTime (Formerly ChristianPF)