We Started Tithing During Debt Payoff and It Had Nothing to Do With the Church

When you read about Dave Ramsey’s baby steps, the one thing you won’t often read is that Dave encourages people to give while they pay off debt. This can contradict every single thought that our brains tell us is rational. I get it. If you want to get out of debt and have more money, why would you give some away? There are a thousand different debatable reasons as to why someone might do this. Our reasoning is probably different than you think. It had less to do with the church and more to do with what we needed. So, if you are in full-on debt payoff mode, read on to see why we started tithing during debt payoff and what happened when we did.

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Our debt payoff plan

We started getting intentional about paying off our debt as soon as we downsized our house. In just under 3 years we have been able to completely pay off our debt and start building wealth.

Using the debt snowball, we were able to pay off $6,000 of debt in just 6 months and it hasn’t stopped yet

How does the Debt Snowball work?

  1. Find an extra $200 in your budget.
  2. Apply this $200 to your smallest debt on top of your minimum payment.
    • If minimum payment was $30: $200 + $30 = $230
  3. Continue making minimum payments on all other debts.
  4. Once your smallest debt is paid off, apply the $200 plus previous minimum payment to next smallest debt.
    • If the minimum payment on your next smallest debt is $50: $230 + $50 = $280

This was the debt payoff method we stuck to except we always paid more than $200. We have found ways to earn extra cash and rework our budget so we could put as much money possible toward our debt payoff.

Great debt payoff tips:
If you are in debt payoff mode, you may not have considered tithing while in debt. There is a surprising reason we did tithe while still in debt. See why...

What is tithing?

Tithing is often something discussed in the Bible which tends to turn a lot of people off instantly.

What tithing means is, “tenth.” Giving a tenth of your earnings away.

For example: if you make $3,000 per month, a tenth would be $300.

Although 10% doesn’t sound like a lot, looking at it in real numbers can be very overwhelming. It’s easy to see why many people would choose to avoid partaking in tithing.

For the sake of diversity, I won’t dive in deeper as to the specific Biblical reasons behind it. Instead, I want to tell our story about why we started tithing even during debt payoff.

Why we started tithing.

Hint: it wasn’t about the church

I won’t lie, we are churchgoers. We have found a church that fits our family’s needs and that truly speaks to our hearts. They also have the option to watch online either live or anytime!

You can also listen via podcast.

Church, tithing and guilt trips

We have attended churches before that spoke very heavily on tithing. So much so that it began to feel like a guilt trip.

Our new church has never made us feel this way about tithing.

Instead, they have expanded our minds and encouraged us to practice tithing for ourselves rather than for our church’s benefit. (Which might sound selfish when I say it like that).

In fact, each year they hold a tithing challenge and encourage you to give to other churches if you’d like. They believe in its benefits that much.

What are tithing benefits outside of church?

For us personally, we had let money control our lives for far too long.

When I met Tom he was bankrupt and foreclosing on his house. The next 7 years we spent digging ourselves into deeper debt.

We bought whatever we wanted. Went out whenever we wanted and then complained that we didn’t have any money.

It was a vicious cycle.

What if tithing helped take away that false power that money had over us?

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Tithing creates an abundant mindset

When it came to our finances, rather than a scarcity mindset, we decided to change our thoughts to an abundant mindset.

Tithing began to help us slowly loosen the grip that money had on us.

4 Ways to Shift Your Money Mindset From Scarcity to Abundance

Starting our tithing journey

We started tithing during our final year of debt payoff.

It had been something we had tried before and failed at. I believe it failed for us before because we tithed more out of fear or obligation. We felt like we had to. It made us nervous.

This time, it felt good. We felt prepared.

Instead of seeing lack, we began to pay attention to the amazing amounts of abundance we have in our lives. There are so many things to be thankful for in our lives…why not give some of that greatness away?

The last thing I want to be is greedy. I never want to be the kind of person that clings to money. At least never again.

In fact, one of my main reasons for getting out of debt in the first place was because I wanted to be able to give freely to others. That was a main goal of mine. Personally, I didn’t want to wait to be totally out of debt before I got to do this.

If you are in debt payoff mode, you may not have considered tithing while in debt. There is a surprising reason we did tithe while still in debt. See why...

What happened when we started tithing

We mastered budget hacking

It’s crazy thinking about how long we lived in a scarcity mindset. It wasn’t until we decided to get intentional with our money that we learned to master the art of Budget Hacking that helped us free up over $1,000 in our monthly budget and allows us to save and give like never before.

Learn more about Budget Hacking.

Less Stress

There is an amazing weight lifted off your shoulders when you let go of something that had previously kept you down.

Making money became easier

It might sound totally crazy, but almost as soon as we started giving, more money started coming in. I started selling things online. Everything sold in an instant. We were in a money-making groove and it was amazing.

Groceries lasted longer

I can’t even explain this one. It seems crazy. Before I always seemed to have to go to the store every week. All of a sudden, it was like our food never ran out.

We taught our children generosity

When we gave, we gave with cash and our children were able to visually see us giving each month. Not only do we want them to make better money choices than we did, we also want them to learn generosity and giving.

We were able to pay off debt

Not only did we pay off debt, but our ability to pay it off improved. We went from putting around $800 per month toward debt to putting almost $2,000 toward debt each month!

Money lost its grip

More and more money stopped being a main concern. We had previously focused on budgeting and worried about numbers all day long. Checking our bank account was a daily habit. It seemed that all of these worries were no longer present. Because we learned to let go.

How to practice tithing

Local Church

Not everyone is a churchgoer or has faith. I understand that.

Even if you are not a churchgoer, you might consider giving to a local church whose mission you support.

If they are working to help clean up your neighborhoods or are taking in the homeless, they could probably use your financial support.


Is there a local charity or cause that you would love to support?

Now is the time to start giving. The one thing with this that I recommend is rather than setting up automatic payments, try writing a check each month.

Hands-on giving just seems to have a far greater impact.

Open a “giving account”

I think this may be our next step in our giving mission; opening a giving checking account.

Putting our money each month into one designated account and then if and when we are presented with a person or opportunity to give, we can give with our whole heart.

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If you are in debt payoff mode, you may not have considered tithing while in debt. There is a surprising reason we did tithe while still in debt. See why...


  1. Penny Layne | 8th Oct 18

    This is a great POV. I’ve also seen how tithing actually relieves stress. It’s amazing how much the money can stretch through the month when we’re open to taking care of the needs of others. Tithing should definitely be part of the monthly budget plan. Thanks for sharing your experience.

    • heartsoulwhole@gmail.com | 8th Oct 18

      So glad you can relate! It’s a strange thing that seemingly can’t be explained. It just works!

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