Sooooo . . .
Tithing is an Old Covenant Law, and tithes were given to the Levites (priests) of Israel.
The Levitical Priesthood has been replaced and most of us are not Israelites anyway.
In the New Covenant, we give from the heart.
Many modern churches use the terms, "tithes and offerings", signifying and hoping for a guaranteed 10% tithe for their local church for salaries and expenses, and then giving members the 'freedom' of 'offering' on and beyond their 10% 'obligation' to ministries of their choice inside or outside of their local church.
The New Covenant Scriptures don't have it set up that way at all.
We are to give as we are led and are able.
As Willie stated earlier, it's not unreasonable for a group of believers to receive vision and direction from God for a ministry and then seek funding for it. Seeking funding can mean a lot of things - I personally like the George Mueller method (
click here).
The local fellowship we have been a part of for over 20 years has not once preached on tithing. They let needs be known - mostly for missions and ministries, and they let the need be known, let folks know how/where to give, and leave it at that. We do have an annual 'business meeting' in the summer where the budget is accounted for for the previous year and the projected budget is made known for the coming year. These are unusually fun meetings, preceded by a pot-luck meal and where great joy is taken in seeing God's provision for the previous year. Ours is an elder-led fellowship of about 300 or so, and there is loving accountability within our local Body. Surprising amounts are given from our relatively small fellowship to outside ministries and needs within our body and sphere of influence. Additionally, there is ample provision for our modest building (which is paid for) and operating expenses, including 2 pastors' salaries which are modest, and who both, until recent years, were bi-vocational, meaning they had full-time jobs in addition to being our pastors.
All needs are met by trusting believers to give as they feel led and not as compelled by some 'law' or 'principle'.
In our 20 years there, we have been on the giving and receiving ends - most recently during the last year believers stepped up in amazing ways to help provide for our family of nine as we were consumed with the treatment and care of one of our children who had brain and spine cancer (for those of you who don't know me, he's doing well - clear scans as of July - rechecks quarterly now). We were gifted with countless meals, a vehicle, funds, and lots and lots of prayer and support (cards, notes, texts, emails, etc.). When we've been able to be on the giving end, we do, in like fashion as described above, however we're led. Sometimes that means money, sometimes it means stuff, food, acts of service, or time.
So to the OP (which is likely more rhetorical rather than specific, I do understand): Pay your bills. If you are spending more than you make, stop it. Learn to live beneath your means. Give when you feel led as you are able. Take joy in giving; don't view it as a 'duty' or 'law', but as a way for you to love those around you. Money is the least of those ways to love those around you, btw - there are lots of needs in any local body. Ask around - your pastors/elders will be able to steer you in the directions of needs for home repairs, meals, visitation, needed rides, encouragement, prayer, etc. Money is not is not the only way by which we can love others.
All done now
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-JGIG