Debt Free Legacy

Is My Biblical Giving Proportionate to My Income?

Is My Biblical Giving Proportionate to My Income?

by Kristi LaMontagne

When we stop and think about it, God owns everything in the natural world and we are merely stewards or managers of what He has entrusted us to take care of. (Ps.24:1, Deut. 8:18). God makes it clear that everything we manage for Him comes from Him. As good stewards, God expects us to wisely manage the three sources that He gives all of us: our Time, Talent, and Treasure.

In Mal.3: 8-12, God instructs us to give back to Him a tenth of what he has given to us. This is the basic amount He asks of us. The Lord also wants us to give freewill offerings to advance His Kingdom and alms (charity) to the poor.

Our tithe is not derived from our net income, after taxes, but from our gross income before taxes! Many people are unaware of this biblical truth. For example, before my husband and I learned this principle, the enemy was vexing us in the area of our finances. By failing to give God the entire tithe, we put ourselves under a curse. (Mal.3: 8-9). After learning this principle, we corrected this misconception and our finances began to get into line with God’s Word so that we were then able to hear how God wanted us to allocate His money. Within one short year, we were on our way to becoming completely debt free, except for our home mortgage…and we hope that soon follows.

Once we understand that the true tithe is what the Bible calls a first fruits obligation, and that it is 10% of our gross income, we see that as God increases our income we should be cheerful about paying a larger tithe in proportion to our income. Offerings and alms are the second and third components of a three part biblical giving plan. These are based on freewill decisions that should be prayerfully made. We certainly encourage you to increase freewill giving as God blesses you with more income.

Is the concept of giving on your “gross income” new to you? Is your response “I can’t afford to give that much”? As things appear right now, this may appear to be true, however according to Mal. 3:10-12, you will find that this is the only place in the bible that the Lord gives us the challenge to test Him. By being obedient and putting God in the middle of your finances, you give Him your permission to break the power of the enemy over your finances and that positions you to enter into the abundance of His blessings! (Jer.29:11) I’m sure glad that we did!

Is it okay to Tithe via Credit Card?

Is it okay to Tithe via Credit Card?

by Debt Free Legacy

In this brief article we will not delve into the Old Testament and New Testament concept of paying a first fruits, ten percent, tithe to the church (storehouse) where we are spiritually fed. However, Chapter Two of the workbook “Financial Freedom in Seven Weeks Plus” is devoted to a three part Biblical Giving Plan, consisting of tithes, offerings, and alms. So let’s narrow this discussion to the question: “Is it okay to Tithe via Credit Card”? 
Although we hate the fact that so many people are in credit card debt bondage, we also understand the practicality of needing one card for various uses: renting a car, hotel and airline reservations, etc. Our ministry urges people to NEVER fall into the minimum payment trap but rather to ALWAYS pay the full balance, on time, each month.
Common sense tells us that credit card companies are in business to make a profit. They do this by charging a transaction fee to the merchant who accepts your card purchase and from interest and other fees paid by card holders. So – YES it is acceptable to pay tithes or give freewill offerings or alms via credit card… but you should find out what fee (percentage) the church or ministry will have to forego and add enough to your gift to cover the fees. For example,  lets just assume that you want to pay a tithe of $100 and you use a credit card that charges the church a three percent fee. Then, in this example, the church really only gets to keep $97. Since this is less than the full amount of the tithe you intended the church to receive, you should increase the tithe to (approximately) $103 so the church really does receive the full $100.

We understand that many churches and ministries are very hesitant to mention this because they do not want to put – up any giving road blocks. Our ministry believes that sincere Christians seek knowledge and have a desire to give wisely… and part of their giving plan will be a full ten percent tithe.

Tithing….Is It Really for Today?

Tithing….Is It Really for Today?

by Bill Sitter

I am privileged to address the topic of tithing because it is one of our favorites. Tithing is extremely vital, just as life blood is to the human body. Before going any deeper, I would like to share our observations from 20 years of teaching Biblical Principles for Finance. Maureen and I have seen hundreds of people complete the seven week small group course and begin to faithfully tithe. The fruit has been absolutely amazing, time and time again. And, we have Never seen or heard of these tithers wishing they had never learned about tithing on their first fruits, their increase, to the Lord…..Never!

Malachi 3: 8-12 tells us that tithing keeps us from robbing God and positions Him to rebuke the devourer (the devil) on our behalf. God then pours-out huge blessings on us; which is what He longs to do. Okay, but that’s the last book of The Old Testament. Good News: in Matthew 23:23 Jesus personally reinforced the ten percent tithe when He rebuked the Pharisees for tithing on their garden plants (being legalistic) but neglecting the weighty matters of justice, mercy & faithfulness. They were neglecting to show love and compassion to others, even including their parents. Jesus basically said: (my paraphrase) “you should have tithed, but that’s no excuse for neglecting these other Kingdom Principles”. This same message is also stated in Luke 11:42.

Some may say that tithing is “under the law”; it is good to reflect on the fact that Abraham set the example of tithing ten percent of the spoils of war to Melchisedec (a representation of the coming Lord Jesus). It is essential to note that Abraham’s full ten percent tithe occurred long before Moses was even born, and prior to the Old Testament laws ever being written. (Hebrews 7:1-4)

I believe the case for tithing today is very clear: tithing is validated in (the above referenced) Scriptures, by Abraham – before the law, under the Mosaic Law, and then by Jesus’ reinforcement in the New Testament.

I realize that many readers of this article are committed tithers who are not seeking excuses to avoid tithing. However, you may be able to refer to these scriptures when faced with tithing questions. Hopefully these Scriptural references will prove helpful as you witness to others, so they can enjoy the benefits of being able to (not forced to) tithe a full 10 percent of their “increase” (which for most normal wage earners is their gross pay, before deductions for anything).

Chapter Two in our small group workbook: “Financial Freedom in 7 Weeks Plus…Legacy Edition” is devoted to the topic of true Biblical Giving. It emphasizes tithing and gives examples of how to properly calculate “increase”. This chapter also addresses a three part Biblical Giving Plan which includes tithes, freewill offerings to spread the Gospel and alms for the needy.

So, the answer to the title question is….YES! Tithing is really for today!