QUESTION:
“I understand that the Bible talks about tithing 10% and have been doing so. However, I’m struggling financially at the moment, yet I know that God will provide for me. If I continue to tithe I will be honoring and obeying God while at the same time be headed straight into foreclosure on my house unless my circumstances happen to change again. Is there something in the Bible that talks about tithing during those seasons of life when it does not seem possible at the moment to give what you can or are able to? Because of my full time job and the hours I’m required to work, it's not possible for me to get an additional part time job or I would do that in a heart-beat.”
RESPONSE:
First off, let us start off by saying how sorry we are that you (and many others) are having to deal with the difficulties of the financial landscape that so many are having to navigate during this season of life. Such challenges can be a real stressor and we pray that God would give wisdom and insight to you (and others) who are trying their best to walk God’s path for life during these days.
That being said, yes, the Bible does speak about giving and also speaks that in life we will go through different seasons of life with different circumstances. However, different cases can be made for different perspectives on how exactly giving should be carried out by people who desire to follow Jesus. Some biblical scholars understand the tithe and giving to be just as you have mentioned, a baseline of 10% of the overall income that a person earns or receives. Other biblical scholars make the case that it is less about a specific percentage, and more about becoming people who are living generously and giving generously as they live as faithful stewards with the resources God puts in their care. Regardless, the scriptures are full of passages that call for followers of God to be people who care for the poor financially, give sacrificially, cheerfully, and in faith, and live lives that are not controlled by money.
It is also important to remember that God does not need our money. God owns the cattle on a thousand hills as it says in Psalms. If God wants steak for dinner, God will not put it on a credit card. God will just kill another cow! It all belongs to God. God just entrusts people with what is already under God’s authority and care. The whole reason for giving and tithing and being generous with the resources God has put in our care is to make us people who grow to become more like God in every area of our lives. This is why we stress week in and week out that when we pass the plates at The Heights, we continue in our worship and give our church family an opportunity to worship through giving. It is when we give that we “put our money where our mouth is” from a worship and trust perspective. It is much less costly from our perspective to sing a song about trusting God to provide for our every need than it is to write a check or put our cash in the offering plate. The rubber meets the road of our faith when we trust God with our finances.
The Bible does not specifically speak to the question above with a chapter and verse. You will not find, “Thou shalt tithe 10% unless things get tight. At that time thou shalt reduce giving to 5% and then fend off the banks against foreclosure. Once things stabilize, thou shalt go back to 10% and increase giving to 12% just to get back on God’s good side.” Sorry, you just don’t find that kind of explicit explanation. However, what you do find are principles about giving and living and being wise with the money that is under your authority. For example, God speaks in Galatians 6 about people “reaping what they sow.” Meaning, if we have (sow) a huge house payment and the circumstances of our lives change, unless we live with margin in our lives (sow) and have a plan in advance for when our circumstances change (sow), there will consistently be too much month at the end of the money. That leaves us with the dilemma: do we give to God what God has commanded us to give as people who are to trust Him and give sacrificially and generously…or…do we give to the bank what we said we would when we signed the note? One is our God…the other is our house…unless we have made our house into a god that we worship.
What we are trying to say is this: God does not need your money. God wants us to be people who are generous and cheerful givers who give and live sacrificially. God also speaks in Proverbs 22:7 about how “the borrower is slave to the lender.” Meaning, if you are not wise with your money, and you always owe other people money, you very well can feel like you are living life like a person in bondage to slavery. God does not say borrowing money is unbiblical. God is saying that you limit your options for freedom in your life when you live under the bondage of always owing someone else money.
If circumstances do not allow you to get another part time job to make ends meet and keep giving sacrificially, in faith, and cheerfully like you understand God to command, then perhaps it is time to make steps towards getting out of slavery. That may mean evaluating whether or not you need to sell the house rather than it being foreclosed on you. It may mean spending less and living within your means if you have not yet reviewed your budget with a fine toothed comb. It may mean making some real change in your life as it pertains to your lifestyle and what you spend money on. It may mean talking with people who have money and know how to live within a budget and spend and invest wisely so that you can begin to get a game plan on how to take action steps towards doing the same. The Bible speaks about surrounding ourselves with wise people who can help us know how to live wisely and make wise choices be it in our pursuit of God, our relationships with others, or even how to handle money in a wise way.