Debt-Free Living

Should You Give While Getting Out of Debt?

Giving plays a huge role while becoming debt-free. Here’s how!

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  • Rich Chapman

    Is that 10% before or after taxes?

  • I think Rachel would say this is a principal not a mathematical formula. From a Christian perspective I think it is before taxes (first fruits) but that’s just my perspective..

    • hectorj

      Well that is subject to discussion. Dave in one of his speeches says that there is no right or wrong, but if you have to choose go with the bigger (gross) in case you were wrong you are still ok. On the Bible the Lorg says: Give Caesars what belongs to Caesars and give God what belongs to God. So I guess that can lead you to think it should be from the gross.

      • Anonymous

        I understand the curiosity behind the question, but a cheerful giver is not concerned with such. And, as my husband always says, “You can’t out give God.” So, why be so concerned with it. If you give “too much,” He will make sure your needs are met.

  • Not sure I could work while staring at Cracker Barrel all day. ­čśë Thanks for the tip Rachel!

    • Anonymous

      Ha! Missed that. That’s Awesome!!!

  • Anonymous

    While we were still paying on our consumer debt, I didn’t question if I should give or not. I knew I should. However, there were opportunities to give above and beyond 10% (mostly to ministries in our church or to a family in need). In the end, we chose to give even though we were in debt and already giving slightly over 10% and I don’t regret it. But, I would like to know your thoughts on giving extra while paying off debt.

  • Taylor

    This is probably the best advice on this blog…and I didn’t realize Rockefellar was religious.

  • BabyStep:Reality

    Several questions, but the two most burning: If you don’t have enough income to give 10% and pay bills should you give to charity and let the bills lapse; will giving a smaller percentage work? if you’re not involved with a church, can you give the 10% to a food bank, a charity of choice, needy neighbor/family?

  • llamamamma

    I believe that time is money. We don’t have to be stuck in the box that the only thing worth giving is money. When in debt, any money we are giving isn’t really ours to give is how I see it. But, our time IS OURS. So volunteering to help out our church, hospital, pregnancy center, phone help hotlines etc. is a way we can give of ourselves. We all need a break from our jobs, and volunteering (though is work) can still feel like a break from our routine. So, scheduling volunteer hours and calculating them in as part of your tithe while you are in debt may be a good idea. And the great thing is, volunteering is great for building character, esp. when you do it as a family. Once you are out of debt, it would be awesome if you tithed your 10% and volunteered.