{"id":26611,"date":"2026-04-20T03:15:52","date_gmt":"2026-04-20T03:15:52","guid":{"rendered":"https:\/\/didebta.com\/?p=26611"},"modified":"2026-04-20T03:15:53","modified_gmt":"2026-04-20T03:15:53","slug":"tithes-and-offerings-your-questions-answered","status":"publish","type":"post","link":"https:\/\/didebta.com\/?p=26611","title":{"rendered":"Tithes and Offerings: Your Questions Answered"},"content":{"rendered":"<div>\n<p>Generosity is one of my favorite things to talk about\u2014because it\u2019s one of the most freeing things you can do with money. When you give, you\u2019re telling your money who\u2019s really in charge (hint: It\u2019s not you). It also goes hand in hand with contentment and helps us avoid that instant-gratification lifestyle that\u2019s so easy to fall into these days.<\/p>\n<p>But what exactly <em>is<\/em> tithing? And how much should you be giving?<\/p>\n<p>Let\u2019s clear that up. Tithing is a biblical principle that helps us live with open hands instead of clenched fists. It\u2019s a way of trusting God with what He\u2019s already given us, and it\u2019s one of the most life-giving habits you can build into your finances.<\/p>\n<h2>What Is Tithing?<\/h2>\n<p><strong><em>Tithe<\/em><\/strong><strong> literally means \u201ctenth.\u201d So when you tithe, you\u2019re giving 10% of your income to your local church.\u00a0<\/strong><\/p>\n<p>This isn\u2019t just a good idea someone made up\u2014it\u2019s actually rooted in Scripture. Tithing is something God\u2019s people have practiced for thousands of years as a way to honor Him and remember where everything we have really comes from.<strong> <\/strong><\/p>\n<p>Here\u2019s the heart of it: When you give first, you\u2019re putting God first. That\u2019s why your tithe should be the first line in your budget, not just what\u2019s left over at the end of the month.<\/p>\n<h2>What Does the Bible Say About Tithing?<\/h2>\n<p>The idea of giving 10% comes straight from Scripture. Here are a few key Bible verses about tithing:<strong> <\/strong><\/p>\n<p><strong>Leviticus 27:30 (NIV):<\/strong>\u00a0\u201cA tithe\u00a0of everything from the land, whether grain from the soil or fruit from the trees, belongs to the Lord; it is holy\u00a0to the Lord.\u201d<\/p>\n<p><strong>Proverbs 3:9 (NIV):<\/strong>\u00a0\u201cHonor the Lord with your wealth, with the firstfruits of all your crops.\u201d<\/p>\n<p><strong>Genesis 28:20\u201322 (NIV):<\/strong>\u00a0\u201cThen Jacob made a vow,<strong> <\/strong>saying, \u2018If God will be with me and will watch over me on this journey I am taking and will give me food to eat and clothes to wear so that I return safely to my father\u2019s household, then the Lord will be my God and this stone that I have set up as a pillar will be God\u2019s house, and of all that you give me I will give you a tenth.\u2019\u201d<\/p>\n<p><strong>Nehemiah 10:35 (NIV):\u00a0<\/strong>\u201cWe also assume responsibility for bringing to the house of the Lord each year the firstfruits of our crops and of every fruit tree.\u201d<\/p>\n<p><strong>Malachi 3:10 (NIV):\u00a0<\/strong>\u201c\u2018Bring the whole tithe into the storehouse, that there may be food in my house. Test me in this,\u2019 says the Lord Almighty, \u2018and see if I will not throw open the floodgates of heaven and pour out so much blessing that there will not be room enough to store it.\u2019\u201d<\/p>\n<p>Don\u2019t let all the farming metaphors throw you off. What these verses are really saying is that you should give a portion (specifically a tenth) of whatever you make\u00a0<em>back to God<\/em>. And that word\u00a0<em>firstfruits<\/em>\u00a0is just a biblical way of saying that you should give\u00a0<em>first<\/em>\u2014before you do anything else with your money.<\/p>\n<p>That\u2019s why giving should be the first category in your\u00a0budget\u2014because when you tithe\u00a0<em>before<\/em>\u00a0making a plan with the rest of your money, you\u2019re making it a priority instead of an afterthought. You\u2019re giving your firstfruits instead of your leftovers.<\/p>\n<h2>Difference Between Tithes and Offerings<\/h2>\n<p>People often say \u201ctithes and offerings\u201d together like they\u2019re the same thing. But they\u2019re not.<\/p>\n<ul>\n<li><strong>A tithe<\/strong> is the first 10% of your income you give to your church.<\/li>\n<li><strong>An offering<\/strong> is anything extra you give on top of that.<\/li>\n<\/ul>\n<p>So, after you\u2019ve tithed and paid all your bills and\u00a0expenses for the month, you can use any extra money in your budget to give even more! This can look like giving a cash offering to your church above and beyond your normal tithe, giving money to a charity you support, giving to a friend in need, or giving your time and skills by volunteering.<\/p>\n<h3>Tithes vs. Offerings<\/h3>\n<table>\n<tbody>\n<tr>\n<td>\n<p style=\"text-align: center;\"><strong>Giving Type<\/strong><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><strong>Definition<\/strong><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><strong>Where It Goes<\/strong><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><strong>Purpose<\/strong><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><strong>Ramsey Tip<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\"><strong>Tithe<\/strong><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">The first 10% of your income<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">Your local church<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">Puts God first and supports ministry work<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">Make it the first line in your monthly budget\u2014not what\u2019s left over.<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\"><strong>Offering<\/strong><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">Anything you give beyond your tithe<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">Churches, charities or people in need<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">An extra way to show generosity and gratitude<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">Give offerings after you tithe and after covering your essentials.<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>Why Christians Should Tithe<\/h2>\n<p>I know money can be emotional. It\u2019s easy to feel like, <em>If I just hold on a little tighter, maybe I\u2019ll finally feel secure.<\/em> But the truth is, tithing is one of the best ways to loosen that grip and remind yourself who really provides for you.<\/p>\n<p>The Bible tells us that tithing is a way to show that we trust God with our lives\u00a0<em>and<\/em>\u00a0our finances<strong>.\u00a0<\/strong>Because<strong>\u00a0<\/strong>here\u2019s the deal: Tithing isn\u2019t for God\u2019s benefit. He doesn\u2019t\u00a0<em>need<\/em>\u00a0our money. Instead, tithing is meant for\u00a0<em>our<\/em>\u00a0benefit.<\/p>\n<p>Here\u2019s why tithing matters so much:<\/p>\n<h3>1. Tithing shows you trust God with everything.<\/h3>\n<p>Sacrificing a portion of your income reminds you to rely on God to meet\u00a0your needs. Tithing says, \u201cGod, I believe my provider is You\u2014not my paycheck.\u201d Plus, it makes you more aware of the needs of others.<\/p>\n<p>\u201cFor us, the tithe is about faith. The faith to give with joy,\u201d Angela said in her comment in the Ramsey Baby Steps Community. \u201cI have never once regretted giving. When we started, it was tight and it wasn\u2019t nearly 10%, but we always gave. The blessings have been amazing, far more than our gifts.\u201d<\/p>\n<\/p>\n<h3>2. Tithing supports the local church.<\/h3>\n<p>When you tithe, you\u2019re helping your church be the hands and feet of Jesus. You\u2019re fueling ministries that care for people, share the gospel, and change lives in your community. That\u2019s a huge deal!<strong> <\/strong><\/p>\n<h3>3. Tithing helps you stay grateful.<\/h3>\n<p>Generosity is the cure for greed and\u00a0discontentment. When you give, your focus shifts from <em>what you don\u2019t have<\/em> to <em>how much you\u2019ve already been given.<\/em> That kind of gratitude brings so much peace and joy.<\/p>\n<p>And here\u2019s something interesting: Even though fewer people talk about tithing these days, about 27% of churchgoers still give 10% of their income.<sup>1<\/sup> So yes, there\u2019s still work to do, but it\u2019s encouraging to know that <em>many believers are staying faithful.<\/em> And get this\u2014more young adults (ages 24\u201334) are actually giving above 10%!<sup>2<\/sup> That\u2019s a big deal. It shows that generosity is still alive and growing in the next generation.<\/p>\n<p>When you see numbers like that, it\u2019s a reminder that generosity doesn\u2019t belong to one age group or income level. It\u2019s something every believer can live out because giving is more about the heart than the dollar amount.<\/p>\n<h2>Do Christians\u00a0<em>Have<\/em>\u00a0to Tithe?<\/h2>\n<p>While tithing 10% of your income is biblical, you\u2019re not\u00a0<em>required<\/em>\u00a0to tithe to be a Christian. And you\u2019re not a\u00a0<em>bad<\/em>\u00a0Christian if you don\u2019t tithe. Thankfully, God loves us when we give\u00a0<em>and<\/em>\u00a0when we don\u2019t give.<\/p>\n<p>And that\u2019s key here: We don\u2019t have to tithe to earn God\u2019s love\u2014because\u00a0<em>we already have it<\/em>. In Matthew 23:23, Jesus warns against focusing too much on the rules of tithing without paying attention to the more important things like justice, mercy and faithfulness. This isn\u2019t about a rule. This is about your heart.<\/p>\n<p>Bottom line? You should be\u00a0giving in some way. But tithing is more of a spiritual topic than a financial one. It\u2019s about living with the attitude that we\u2019ve been blessed to be a blessing. In fact, 2 Corinthians 9:7 (NIV) says, \u201cEach of you should give what you have decided in your heart to give, not reluctantly or under compulsion, for God loves a cheerful giver.\u201d<\/p>\n<h2>Common Questions About Tithing and Giving<\/h2>\n<p>Let\u2019s tackle a few of the questions I hear all the time about tithing\u2014because if you\u2019re wondering about these things, you\u2019re definitely not the only one.<\/p>\n<h3>1. Should I tithe if I don\u2019t go to church?<\/h3>\n<p>If you\u2019re not currently part of a church, giving 10% to another cause is generous\u2014but technically, that\u2019s not a tithe. A tithe is specifically giving to your local church.<\/p>\n<p>That said, generosity is always a good thing! You can absolutely give to ministries, nonprofits or people in need. The main thing is to <em>live with a giving spirit.<\/em><\/p>\n<h3>2. Should I tithe while paying off debt?<\/h3>\n<p>Yes, you should still tithe while paying off debt. I know it\u2019s tempting to use that money to get ahead, but the discipline and faith that tithing brings are so worth it.<\/p>\n<p>\u201cWe tithed through Baby Steps 1 and 2, and God continued to bless us,\u201d said Joshua in the Ramsey Baby Steps Community. \u201cWe are now in 4, 5 and 6 and continuing to have a heart of giving while tithing. In the long run, God doesn\u2019t need your money\u2014but you can\u2019t outgive God.\u201d<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" data-cke-path=\"null\" alt=\"\" src=\"https:\/\/didebta.com\/wp-content\/uploads\/2026\/04\/TaO-quote2.png\"\/><\/p>\n<p>Now, there are extreme situations where people literally cannot cover their\u00a0Four Walls\u00a0(aka the basic expenses for survival). But for most of you, tithing can still fit in your budget with a few lifestyle changes.<\/p>\n<p>Find ways to\u00a0cut back on spending, whether it\u2019s skipping a few fun purchases, packing your lunch instead of eating out every day, brewing your own coffee, or buying generic products. You\u2019ll be amazed how freeing it feels to still give, even when things are tight.<\/p>\n<p>Now, you\u00a0<em>should<\/em>\u00a0hold off on\u00a0<em>offerings<\/em>\u00a0(those extra gifts) while you\u2019re paying off debt and put\u00a0all\u00a0your extra money toward your\u00a0debt snowball. But that\u2019s not for forever. Soon, you\u2019ll<em>\u00a0<\/em>be out of debt\u2014and you\u2019ll be free to give as generously as you want!<\/p>\n<h3>3. Should I tithe on my gross or net income?<\/h3>\n<p>This one comes up a lot! Honestly, it\u2019s between you and God.<\/p>\n<p>Some people tithe on their gross income (before taxes). Others tithe on their net income (after taxes). The point isn\u2019t to get hung up on the math, just that you\u2019re giving 10% of your income.<\/p>\n<p>Dave Ramsey gives on his gross income\u2014and I do too! But however you choose to do it, the goal is the same: to live generously and put God first. It\u2019s about changing your spirit and being intentionally generous.<\/p>\n<p>As for your\u00a0side hustle, the 10% you give should come from your entire income. So, if you have a part-time job on the weekends that brings in $300 extra each month, add that amount to your total monthly income and tithe $30 of it.<\/p>\n<h3>4. Can I count my tithe on my tax return?<\/h3>\n<p>Yep! There\u2019s nothing wrong with that. Taking a\u00a0tax deduction\u00a0doesn\u2019t make your gift any less meaningful. The Bible tells us to be good stewards of our money, so if taking the deduction helps you manage the other 90% of your money better, then go for it.<\/p>\n<h3>5. Should I tithe on my tax refund?\u00a0<\/h3>\n<p>If you get an income\u00a0tax refund, remember that\u2019s money you\u2019ve\u00a0<em>already tithed on<\/em>\u00a0during the year\u2014although, you\u2019re totally welcome to give some or all of it back to the Lord as even more thanks for His blessings!<\/p>\n<p>Lots of folks in the Ramsey Baby Steps Community get creative with their refunds. Halee shared, \u201cWe pull 10% from our tax return and use it to sponsor kids and youth for summer camp.\u201d She and her husband find out how much it costs per camper and see how many they can help each year.<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" data-cke-path=\"null\" alt=\"\" src=\"https:\/\/didebta.com\/wp-content\/uploads\/2026\/04\/TaO-quote3.png\"\/><\/p>\n<p>But sidenote\u2014tax refunds are just interest-free loans to the government, so you should really look into\u00a0adjusting your withholdings\u00a0if you get big tax refunds each year.<\/p>\n<h3>6. Should I tithe on gifts or inheritance money?<\/h3>\n<p>The Bible doesn\u2019t specifically say you have to tithe on money you\u00a0receive as a gift or inheritance, but that doesn\u2019t mean you can\u2019t. Really, this one is a decision between you and God.<\/p>\n<h3>7. How should I increase my giving when I earn more?<\/h3>\n<p>When your income goes up, your opportunity to give goes up too. Regular tithers already know how fun generosity can be. But when you start making more than you need, that\u2019s when things get exciting.<\/p>\n<p>You can give above and beyond your 10%. You can fund mission trips, support ministries, help families in need, or surprise someone with a blessing they\u2019ll never forget. Trust me, when you\u2019re intentional about looking for ways to be generous, you\u2019ll find them.<\/p>\n<p>Once you\u2019re debt-free and building wealth, you\u2019ll have so much freedom to give\u2014and that\u2019s one of the best parts of managing money God\u2019s ways. Just make sure it\u2019s in the budget: the giving, saving and spending. All of it!<\/p>\n<p>I said it before, and I\u2019ll say it again: Giving is the most fun you can have with your money!<\/p>\n<h3>Common Tithing Questions (at a Glance)<\/h3>\n<table>\n<tbody>\n<tr>\n<td>\n<p style=\"text-align: center;\"><strong>Question<\/strong><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><strong>Quick Answer<\/strong><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><strong>Ramsey Tip<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">What if I don\u2019t go to church?<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">Giving is still good\u2014but it\u2019s not technically a tithe.<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">Find a local church home where you can give and grow.<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Should I tithe while paying off debt?<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">Yes\u2014it builds faith and discipline.<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">Tithe first, but pause extra offerings until you\u2019re debt-free.<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Should I tithe on gross or net income?<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">It\u2019s between you and God. Many tithe on gross.<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">Be consistent and give cheerfully, not legalistically.<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Should I count tithes on my taxes?<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">Yes, that\u2019s good stewardship.<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">Claim deductions\u2014but remember, generosity is about the heart.<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Should I tithe on my tax refund?<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">No\u2014you already tithed on that income, but you can give more if you want.<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">Adjust your withholdings so more of your money stays in your monthly budget.<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">Should I tithe on gifts or inheritances?<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">It\u2019s optional \u2014 Scripture doesn\u2019t require it.<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">Pray about it and give if you feel led. Generosity is always encouraged even when tithing isn\u2019t required.<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p style=\"text-align: center;\">How should I increase giving?<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">As your income goes up, your opportunity to give goes up too.<\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\">Look for ways to give above your tithe with joy and intentionality.<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>How to Tithe and Give Faithfully<\/h2>\n<p>Okay, so you\u2019re ready to start tithing\u2014or maybe you just want to be more consistent about it. Here\u2019s how to make it happen:<\/p>\n<h3>1. Pray.<\/h3>\n<p>Tithing is more of a heart issue than a money issue. If you\u2019re struggling with the idea of tithing or giving, spend some time in prayer with God. Ask Him to give you wisdom and show you ways you can help others\u2014or even pray just to be more generous. Even if giving doesn\u2019t come naturally, prayer can help soften our hearts and refocus our intentions.<\/p>\n<h3>2. Try online giving.<\/h3>\n<p>Most churches make giving super simple these days. You may be able to give online or through a church app. And some churches even let you set up automatic withdrawals each month, which is great if you have a regular income.<\/p>\n<p>If you prefer\u00a0writing a check\u00a0or giving cash because it feels more personal, that\u2019s totally fine too. It really doesn\u2019t matter if you\u2019re giving online or in person, as long as you\u2019re giving!<\/p>\n<h3>3. Do a monthly budget.<\/h3>\n<p>It\u2019s hard to know how much you can give if you have no clue where your money\u2019s going. You need a plan. You need a monthly budget!<\/p>\n<p>Before the month begins, plan out every dollar of your income\u2014starting with your tithe. Then budget for savings, your Four Walls (food, utilities, shelter, transportation) and everything else. You can even create a Random Giving budget line for when you want to help someone on the spur of the moment.<\/p>\n<p>EveryDollar, Ramsey\u2019s budgeting app, makes this super easy. You can plug in your income, set your giving goal, and track your progress every month.<\/p>\n<p>Budgeting (and tithing!) might feel awkward at first, but once you stick with it, you\u2019ll find so much freedom and peace knowing where your money\u2019s going and that you\u2019re using it on purpose.<\/p>\n<h2>Live Generously<\/h2>\n<p>Here\u2019s what I want you to remember: Tithing isn\u2019t about checking a box. It\u2019s about living generously and trusting God with every part of your life, including your finances.<\/p>\n<p>You don\u2019t give to earn His love. You give because you <em>already have<\/em> His love.<\/p>\n<p>So, whether you\u2019re just starting out or you\u2019ve been tithing for years, keep taking steps toward living with open hands. Because when you do, you\u2019ll experience what real financial peace\u2014and real joy\u2014feels like.<\/p>\n<p>\u00a0<\/p>\n<\/p><\/div>\n<p>Read the full article <a href=\"https:\/\/www.ramseysolutions.com\/budgeting\/daves-advice-on-tithing-and-giving\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Generosity is one of my favorite things to talk about\u2014because it\u2019s one of the most freeing things you can do with money. When you give, you\u2019re telling your money who\u2019s really in charge (hint: It\u2019s not you). It also goes hand in hand with contentment and helps us avoid that instant-gratification lifestyle that\u2019s so easy<\/p>\n","protected":false},"author":1,"featured_media":26612,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[55],"tags":[],"class_list":{"0":"post-26611","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-news"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Tithes and Offerings: Your Questions Answered | Didebta<\/title>\n<meta name=\"description\" content=\"Generosity is one of my favorite things to talk about\u2014because it\u2019s one of the most freeing things you can do with money. 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