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How To Tithe When in Debt | Full Guide and Tips

Tithing has been one of the compulsory ordinances of the Christian faith. It has been proven to be one of the ways of accessing and amassing supernatural wealth.

Most times, some Christian faithful don’t get to always keep their own part of being consistent in paying their tithes. One of their hindrances is being in debt.

If you are a person who has been having challenges with paying their tithe, this article has been written with you in mind to help you learn how to tithe when in debt.

Take your time to read through to find the best ways to pay your tithe when you are broke.

Let’s get started…

What is tithing?

Tithing is a physical practice of setting aside 10% of your increase or profits to support the work of God. Though a physical practice, it has a spiritual implication.

Tithing started thousands of years ago. The first real mention of tithe in the Bible is found in Genesis 14:20, where Abraham gave a tithe to Melchizedek.

So, tithing involves every facet of your income. It could be monetary or any other form of increase you get.

Read: 10 Tips To Build An Automated Money-Making System

Is giving money to charity tithing?

No, giving to charity is not tithing. It is an act of philanthropy.

It is important to understand that when you give your tithe to charity homes or use it for other forms of charity work, you have not given your tithe.

Tithes are made to be paid wholly to one’s place of worship and not used for some kind of charity work.

How much is ideal to tithe?

Ideally, your tithe is one out of ten of every one of your earnings.

For instance, if you earn $100 bucks every month or your business brings in $100 profit, you are expected to pay a tithe of $10.

In that same order, if you earn higher, you are expected to pay one-tenth of that amount.

How do you tithe when you are in debt?

Related Post: What Should My Budget Spreadsheet Contain? Samples & Template

Debt is a bad thing and as much as you can, try to avoid getting into one. Being in debt has a way of mounting severe financial pressure on you.

It has become very important that you try as much as you can to stay aloft debts. And while you are at it trying to offset your debts, it is also advised not to do so at the peril of your tithes.

Many times, people who are trying to offset bills make an excuse of paying debts and so don’t get to pay their tithes.

Now let’s consider this; what does the Bible say about tithing while in debt? Should you skip paying your tithe while in debt?

The answer is a big NO.

While getting out of debt is a good thing, the Bible also tells us loud and clear that we need to tithe. Proverbs 3:9 says, “Honor the Lord with your possessions, and with the first fruits of all your increase…”

So I’m trying to debug the myth around whether you should tithe when in debt or not. Truth is, you should endeavor to remain faithful in paying your tithes and then trust God to help you offset your bills.

So how exactly should you pay your tithe when in debt?

There is no other special way to pay tithe in debt other than the normal way. Once your income comes in, faithfully set aside a tenth of that which is your income and pay it to your place of worship for the work of the kingdom.

Faithfully paying our tithes to support the work of the Lord, even when we are struggling financially, is a huge step of faith. It shows we love and trust him enough to help and see us through our current predicament.

Another piece of advice I want to give is this, while you are faithfully paying up your tithes, also have a working plan to help you offset your bills. Ensure not to live above your means. Live on budget and make sure you spend within your budget.


Faithfully paying your tithe while in debt is a way of provoking God’s abundant blessings. Do you believe that God rewards obedience? Or are you like some folks who only pay attention to the details of their own plan and leave God’s plan right out of it?

Try to trust in God’s ability to provide for you. Try him in this today and see how much he much he’ll open the windows of heaven and shower the blessings of heaven on you.

Cheers to your win!



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Mbagwu Amarachi Chilaka
Mbagwu Amarachi Chilaka
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