Tithing is such a huge step. How can I find the courage to commit to this way of life?
Tithing truly does take great faith. Simply place your trust in God. If you wait until you feel that you are financially comfortable you will never take the step. The commercialism of our society works to convince us that we never have enough. No matter how much we have, there is always something else we will want. If you are ever going to tithe, you will have to step back from your endless list of wants and believe that our generous and abundant God will always provide you with all that you need and even with enough to give back a generous share.
“He who did not spare his own Son but handed him over for us all, how will he not also give us everything else along with him?” - Romans 8:32
With our current financial obligations, I don’t know how it would be possible for us to convert to giving away a full 10%. Are there any other options?
Even if giving a full tithe is not immediately possible for you, it is important to work towards this goal. You can begin by committing to giving a gift that is planned, proportionate and sacrificial. Most Catholics do not even know how much they give back. When they take the time to calculate that amount they are often surprised and discomforted. We often think we are very generous yet despite the strong urging throughout sacred scripture to give back 10% the average Catholic today gives less than 1%.
The first step in working towards a tithe is to determine what percentage you are currently giving back. Then see if you can increase that percentage by at least ½ percent. If you increase your giving every year by at least ½ percent or more, you will eventually reach a full tithe. A full tithe is 10%. It is usually suggested that you give 5% to your parish and 5% combined to any other charities that touch your heart.
Of course, it might be necessary to eliminate something from your family or personal budget in order to increase your giving every year. Eliminating discretionary monthly expenses – such a phone or cable packages, memberships, entertainment, subscriptions, etc. – is often a good place to start. Sometimes input from the entire family might be helpful in finding a way that you can tighten the budget so that more can be given upfront to God. A legalistic approach to a certain percentage really isn’t as important as developing an overall grateful and generous way of life. Many who begin on this type of stewardship journey eventually find that they feel called to increase their giving even beyond the 10% level.
“Much will be required of the person entrusted with much, and still more will be demanded of the person entrusted with more.” - Luke 12:48
When I decide to work towards a tithe, should I be calculating it based on my gross or net income?
When striving to give a full tithe, you should calculate the amount you give back to God based on your gross income. The reason for this is that stewardship calls us to give back to God first, before we take care of any of our own wants, needs or obligations – including our obligation to our government. After all, God should come before Uncle Sam, shouldn’t He? By placing God first – above all other financial obligations – we show how much we love and trust Him. Some people may never be able to reach a full tithe. Others reach that goal and keep giving, knowing that in reality it all belongs to God.
“Honor the Lord with your wealth, with first fruits of all your produce; then will your barns be filled with grain, with new wine your vats will overflow.” - Proverbs 3:9-10