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Being the Church

A principled (and practical) guide to tithing

Twice every Sunday the offering plate comes your way. What do you do? Do you chip in whatever you have in your wallet, do you have a cheque already written out, or will you send an e-transfer later in the week? Do you abide by whatever tithing tradition your parents instilled in you, or look around to see what everyone else does, or do you have your own rationale of how to give?

How we tithe is an intensely practical question for everyone, but perhaps one that you’ve not given much thought. Here are some biblical principles for tithing, followed by some practical suggestions, from my experience as a deacon and as a manager of a personal household budget, of how to apply these biblical principles in our offerings.

1. God owns everything

The first principle that we need to recognize when we consider tithing is the fact that everything ultimately belongs to God and not to us. As the Creator and Sustainer of all things and the Redeemer of His people, God not only is the ultimate owner of everything, but we owe Him everything. Like the servants in the parable of the talents (Matt. 25:14-39), we are merely temporary stewards of the blessings that God has given us.

The tithe – 10% – is a reminder of that fact. Abram offered the first recorded tithe in Genesis 14, when he gave a tenth of the spoils from the defeat of Chedorlaomer to Melchizedek, the priest of God Most High. Jacob also vowed to give God a tenth of everything (Gen. 28:22). This voluntary tithe was enshrined in God’s law in Numbers 18:21-24, when God commanded the Israelites to give a tithe every year to support the Levites and the tabernacle.

The disposition of our heart should not be “how little of my hard-earned money do I have to part with” but “how much of God’s blessings am I able to give back to Him?”

2. Our heart (not just the %) matters

We see cheerful and abundant giving throughout Scripture, whether it was the Israelites giving overabundantly for the construction of the temple (Ex. 35:20-36:7), the early Church freely sharing their possessions (Acts 4:32-37), and later congregations collecting for needy churches (Rom. 15:25-28, 1 Cor. 16:1-4, 2 Cor. 8:1-5, 2 Cor. 9:1-15).

It is entirely possible to give large sums of money to the LORD but without the right motivation. In Acts 5, Ananias and Sapphira sold a piece of property and gave some of the proceeds to the disciples. And yet they wound up dead because of their dishonesty. Instead, in 2 Corinthians 9:7, Paul famously reminds believers that

“each one must give as he has decided in his heart, not reluctantly or under compulsion, for God loves a cheerful giver.”

While it may be relatively easy to change our giving patterns, changing our heart from being a reluctant, to a cheerful, giver may be far harder. Yet we serve a God who delights more in a pure heart than external sacrifice, and we need to recognize that our giving should come from gratitude over God’s grace delivering us from our guilt. So we must set our hearts in the right direction when we give.

3. First fruits

The Bible also speaks to when we give. Men like Abel gave “the firstborn of his flock and of their fat portions” (Gen. 4:4) Throughout the books of the law, God commands the people of Israel to bring to Him the first fruits – not their last fruits – of their field and their flocks. Calling upon His people to bring their first fruits was a way that God set the priorities of His people: give to Me first and provide for yourselves after.

This practice also fostered a trust in God’s people that He would provide if His people obeyed Him and gave their first fruits to Him. In the days of Malachi, when the people of Judah were robbing God of their tithes and contributions (possibly because they thought that they were too poor to afford to tithe), God calls the people to:

“Bring the full tithe into the storehouse, that there may be food in my house. And thereby put me to the test, says the Lord of hosts, if I will not open the windows of heaven for you and pour down for you a blessing until there is no more need” (Malachi 3:10).

Questions to consider

With these general biblical principles established, here are some more practical suggestions of how we can live out these principles in our tithing.

A. How much should I give?
This is everyone’s biggest question as well as the one that will impact our lifestyle the most. And the usual Christian response is to tithe (to give 10% of our income).

But, interestingly, most Israelites were commanded to give more than a 10% tithe. God also commanded a second tithe every year to fund ceremonial feasts and festivals (Deut. 14:22-27). And every three years, the people were to give a third tithe that was to go not only to the Levite but also the poor (Deut. 14:28-29). They were also to provide for the poor in other ways that would have a financial cost, such as allowing the poor to glean the droppings and corners of the field (Lev. 19:9). So, in reality, the Israelites arguably tithed as much as 23.33% annually. (I say “arguably” because some theologians like John Calvin thought that the tithe to the poor every three years was simply a further explanation of how to spend the first tithe to the priests and Levites.)

We live in a different time period today. The civil and ceremonial law apply differently to the Church today. We don’t support one thirteenth of the population of the Church with our tithes (as the twelve tribes had to support the tribe of Levi in the Old Testament). We don’t have a calendar of feasts and festivals that require another tithe. Various institutions of society, such as the government, do a lot of the work of providing for the poor (through the taxes we pay). And so that strict command to give away 10% (or 20% or 23.33%) of our income may not bind us today.

But I still think that a 10% tithe is a good minimum for us all to strive to give. Even if you’re a student working a part-time job, an unemployed man collecting EI, or a retiree living off a pension, aim to give at least 10% back to the LORD. In Mark 12:41-44, Jesus watched many rich people putting large sums of money into the temple treasury. We have no idea what percentage of their regular income they brought. Perhaps some brought 5%, thinking that the sheer amount of money that they gave was more important than the relative percentage of the income they gave. Perhaps some brought exactly 10%, giving just as much as the law required, no more and no less. And perhaps some brought 15%, priding themselves on exceeding the demands of the law. But then a poor widow comes in and gives two small copper coins. Jesus says to His disciples:

“Truly, I say to you, this poor widow has put in more than all those who are contributing to the offering box. For they all contributed out of their abundance, but she out of her poverty has put in everything she had, all she had to live on.”

In other words, the widow gave 100%.

While we may not be called to give every cent that we earn to the Church, in The Ministry of Mercy, Timothy Keller calls Christians to give “sacrificially, until their lifestyle is lowered.” Following the call in Galatians 6:2 to bear one another’s burdens, he suggests that “we must give so that we feel the burden of the needy ourselves.” In support of this, he quotes Jonathan Edwards, who said,

“If we be never obliged to relieve others’ burdens, but when we can do it without burdening ourselves, then how do we bear our neighbor’s burdens, when we bear no burdens at all?”

Keller’s book is a real challenge to Christians to give more than just 10%.

Those more well off could and should give more. In 1 Corinthians 16:2, Paul commands the Corinthians “to put something aside and store it up, as he may prosper.” Those whom God has prospered are in a position to give more than those who are struggling. To use an example, those of us who earn the median family income in Canada of $98,390 and tithe 10% would give away almost $10,000. Those who earn double that – nearly $200,000 – and still give 10% would give $20,000. The rate of giving is equal. And the richer family gives away more. But who feels the impact of that tithe more?

The average family.

They might have to give up a vacation, live in a smaller house, or pass on enrolling their children in organized sports. The comparatively richer family probably doesn’t have to give up these things and could give far more before they really began feeling it.

B. Tithing pre-tax or post-tax?
If you do decide to give a certain percentage of your income regularly to the Church (say, 10%), some might ask, “should that 10% be pre-tax or post-tax?” Our response to this question may reveal where God and His Church are on our priority list.

Most of us don’t get the full amount of our paycheque. Even before our earnings are deposited into our bank account or we pick up our paycheque, the government takes its share, roughly about 25% of our salary through income taxes, CCP contributions, and EI premiums. If we give 10% of our take-home paycheque, what are we implicitly saying? That the government is entitled to its share first and in full and God gets a tithe of our second fruits (and a lesser amount to boot).

So consider giving of your income pre-tax, before the government claims its share.

C. Tithing at the beginning or end of the month?
Perhaps this isn’t a significant question in your mind, but again it may reveal your heart. If you write a monthly cheque or pre-authorize any bank withdrawals to the Church on the last day of the month, what does that say about your priorities? Are your priorities to make sure that you have enough money to pay your rent, your grocery bill, and your credit card statement and then give some of whatever is left over to the Church? Might this be how you implicitly think about giving?

And so, consider determining, as soon as you get your paycheque, what you are going to give back to God and His Church, giving to God of your first fruits rather than your leftovers.

D. Can I let the offering bag pass me by?
This is another question that many people would raise an eyebrow at. As long as I give my 10%, who cares when I give it?

As a deacon, I saw some people would wave away the offering bag during a service, implying that they had nothing to give that service. Others would write a few (though substantial) cheques a few times a year but give little during the remainer of the year. When December rolled around, we would often collect three or four times our usually monthly donations in a single month, suggesting that some people only gave at the end of the year.

A handful of people in the congregation gave much smaller amounts every week. We as deacons often thought to ourselves that we’d save a whole lot of time if we didn’t have to count as much cash, or input a lot of small cheques, from these frequent givers. But this attitude of giving a little bit every week again reflects a heart that always has giving back to the LORD written on it.

And again, there are Scriptural and confessional hints that we shouldn’t let the offering bag pass us by each Sunday. As already quoted in part, 1 Corinthians 16:2, says, “on the first day of every week, each of you is to put something aside and store it up , as he may prosper.” Based in part on this passage, Lord’s Day 38 of the Heidelberg Catechism, speaking of what God’s will for us is in the Fourth Commandment, says

“that the gospel ministry and schools for it be maintained, and that, especially on the festive day of rest, I diligently… bring Christian offerings for the poor.”

In the Old Testament, there are also a few warnings against appearing before the LORD empty-handed, even if these passages are not strictly related to tithing (Ex. 23:15, 34:20; Deut. 16:16).

So don’t let the offering bag pass you by. Even if the total amount that you give in a year doesn’t change, give often.

E. How can my tithing go the furthest?
Finally, we can be good stewards of our money by taking advantage of charitable tax advantages. Our federal and provincial governments give significant tax credits (typically 40-50%) to encourage charitable donations. That means that you can get up to 40-50% of your donations back on your tax return every year. If you are the average Canadian family earning $98,390, tithing 10%, and giving away almost $10,000, that could mean a return of $4,000-5,000. We are called to give taxes to whom taxes are due (Romans 13:6-7, Mark 12:13-17, Matthew 17:24-27), but if there are organizations that spend their money more efficiently or that labor more in the Kingdom of God than the government (and I’m sure we can think of many such organizations), making use of our charitable receipts is good stewardship. Through these tax benefits we can give even more generously to the most effective and godly organizations around us.

The key to getting that tax credit is that your donations need to bear your name so that your church can issue a tax receipt. So write cheques or donate cash in envelopes with your name on it. Cash tossed in the collection bag won’t get you a tax receipt, but I’ve heard of some churches allowing congregation members to buy “tokens” through cheque or directed cash so that they can get a tax receipt. This allows parents and children to still donate via the offering plate while taking full advantage of charitable tax receipts.

Conclusion

However you decide to give to your local church, consider both where your heart is and what your hands are doing. As James 2:18 says, “Show me your faith apart from your works, and I will show you my faith by my works.”

That includes our tithing.



News

Saturday Selections – Mar. 29, 2025

Propaganda techniques (10 minutes)

This 1948 or 1949 movie highlights seven different propaganda techniques, and to be forewarned about them is to be forearmed. This could be great for a high school English class. Click the title above for the full 10-minute color presentation, or watch a 7-minute B&W abridgment below.

News or narrative – when the truth-tellers can't be trusted

What with images and video that can be faked so quickly and so skillfully, the biggest problem with our news consumption might be the speed at which we imbibe. When we just hit headlines, or read whoever the algorithm puts in front of us, we can't know if they are trustworthy – we can't know that this is true. So... slow down.

The slippery slope of theistic Darwinism

Howard Van Till was a physics professor at Calvin College who used to be "the pre-eminent example of an evangelical Christian scientist in the 1990s who defended Darwinian evolution."

Until he stopped being Christian.

Or even a theist.

Doctor Google, influencer moms, and the local Church

"I recently saw some Christian influencers offer a course on marriage, though they had been married for less than two years. They had paltry experience and undoubtedly little wisdom, but they did have a big platform. And many were eager to learn from them. God has carefully constructed his church so that, as much as we may benefit from those who are far off, we are likely to find the greatest and most credible help nearby. Your church has many seasoned saints who have spent their whole lives following the Lord and whose godliness is on display each and every time the church gathers."
- Tim Challies

A mid-life assessment

A pastor's wife discovers with age comes new:

"...temptations to impatience, ungraciousness, pride. This had surprised me then, but I now see this is true not just in ministry. I used to imagine I’d have to fight the same besetting sins my whole life, and while some old struggles still remain, I’ve found I need to also be vigilant for new ones."

Rend Collective: Build Your Kingdom Here

A song and a prayer.


Today's Devotional

April 2 - The psalm of the cross

“My God, my God, why have you forsaken me?” - Psalm 22:1a

Scripture reading: Psalm 22:1-8

These are words we all know. And we especially know them because they became the words our Lord and Saviour cried out when he hung upon the cursed cross as the ultimate sacrifice for all of our sins.

We may well wonder how David’s experience >

Today's Manna Podcast

Manna Podcast banner: Manna Daily Scripture Meditations and open Bible with jar logo

Psalm 1 Two ways to live: Meditations from the Psalms

Serving #800 of Manna, prepared by Rev. Cody Swaving, is called "Psalm 1 Two ways to live" (Meditations from the Psalms) and is based on John 10:10; Psalm 1.











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Gender roles

Striving to be godly men

A men's conference that had to turn hundreds away can now be watched online ***** I don’t think I can quite grasp the measure of tension that must have seized the hearts of those three young men on the morning of November 2. Months before they had together hatched the concept of a Men’s Conference pitched to encourage men to provide support to one another in the abundant strife of this mortal life. They’d cobbled together a web presence to push out the concept, had highlighted the featured speakers and invited expressions of intent to join the effort. Slowly momentum for the event had grown. A few dozen said they’d come…, then a hundred, two hundred…, five hundred – and ultimately more than 750 men from across Ontario (and beyond!) raised a finger to commit to coming to Smithville to attend the 2024 Strive Conference! But the venue could seat only 550; the three spearheading the initiative had to tell more than 200 men that they were placed on a waiting list. Why would three family men expend the effort to organize a Men’s Conference? Why seek to capture its purpose under the term Strive? And why would so many men give up their normal Saturday routines to seek encouragement to strive together? What was this huge interest saying? This was autumn 2024. For months and years already Christian straight men had been told to sit down and shut up; it was time for women to give leadership, for people of alternate sexual orientation to shine, for minorities of all sorts to take the reins. How were the sidelined meant to respond to that signal? The three men who birthed this Strive Conference saw the need to encourage men to push back against this effort to emasculate Christian men. As the autumn of 2024 unfolded, awareness grew across our civilization that men needed to dare to be men. Instead of sitting down placidly and passively, men should boldly strive to be the men God created us to be. More than 750 men from some 14 denominations understood the need and sought encouragement in the battle. But planning a conference is one thing. Making sure it runs smoothly is another, especially when attendance demonstrates the Strive concept hit a nerve. Would the plans deliver?? I dare to say that Scott, Dan & Kevin had to be men to handle the nervous tension that invariably dominated their collective persona that morning. Strive The term “strive” appears in numerous passages of Scripture in the context of encouraging Christians in the battles of faith. The passage that featured in this Strive Conference was Phil 1:27f, where the apostle Paul instructed his readers: “Only let your manner of life be worthy of the gospel of Christ, so that whether I come and see you or am absent, I may hear of you that you are standing firm in one spirit, with one mind striving side by side for the faith of the gospel, and not frightened in anything by your opponents.” The concept of Christian men battling alongside each other in the face of serious opposition lies at the heart of God’s will for His people as we live in our present world. Such striving needs encouragement, equipping, arming. Three speakers had been lined up to open the Word of God for us listeners eager to understand better how we can best strive side by side to be the men God wants us to be. Speakers Dr Will denHollander, professor of New Testament at the Canadian Reformed Theological Seminary, started us off with an address under the promising title: “Be Complete: the Word of God for the Man of God” (asking our attention for 2 Tim 3:16f). On the basis of that Scripture, he drew out that the “man of God” has all the resources he needs to “be complete, equipped for every good work” – for the Lord God has given us a God-breathing Bible that prepares us to handle all the hard questions of our day. The obstacle we face is not a lack of resources to handle the battles of life but is rather that we too often choose to give some other activity greater priority over reading and wrestling with God’s divine Word in the face of today’s challenges. So we end up floundering in the dark in the midst of those challenges, unable to function as the men of God we otherwise can be. The speaker’s public admission to his own personal struggles added considerable credence to his encouragement to us to be men of the Word – both personally and side-by-side. Dr. Ian Wildeboer, pastor at Mercy Christian Church in Hamilton, followed with an address that could not help but hold the attention of today’s men: "Men in covenant with God: Guarding our hearts and those we love from Sodom." He ably laid a finger on the fact that Lot chose to live in Sodom and made his decision on the basis of present-day comforts. The potential price to his family did not seem to play a role in making the decision or in sticking with it. We cannot get out of our world, but we can certainly take responsibility for how living in our world impacts our families. Here was a challenge to us to have our eyes wide open to the abundant attacks of our families and how we men can best strive side by side to protect those whom God has entrusted to our care so that in turn they flourish in God’s service. After a hearty lunch of pulled pork on a bun capably served by a number of ladies from the John Calvin Christian School in Smithville (and the bonus of lots of valuable heart-to-heart conversations among the attendees), a third talk followed; Rev Al Besuyen, pastor of Zion United Reformed Church in Sheffield, encouraged us to “Strive for Godliness in our leisure time.” Speaking from personal experience, he pressed on us that misuse of leisure time can become a trap that takes us to places where we cannot strive side by side as men of God. He urged us to recognize that the time we receive has purpose: it’s not for self and personal preferences but is opportunity to serve the other in service to the Master of all time. In service to others we’re also making ourselves available for another to encourage ourself. A panel discussion followed the three speeches, under the capable leadership of Rev Rolf denHollander from Living Light Canadian Reformed Church of Grimsby. As he pulled the material of the day together with the assistance of the three speakers, perhaps the most unforgettable moment was when a brother, once a slave to alcohol, expressed the fervent hope that soon he could drink the wine new in the kingdom of God with Christ himself. Till then, total abstinence. Yes, it’s a fight, one in which we need one another. His public testimony was distinctly an inspiration to many. Singing Interspersed throughout the day were multiple opportunities for the assembled men to sing the praises of the God in whose service we battle. 550 men on their feet, under the leadership of capable musicians using various instruments – it truly was momentous, stirring, most heartening. And then the accompaniment ceased… and 550 men were on their own, side by side leaning into the privilege of raising voices and hearts to God Most High with eager abandon, each line building on the previous in volume and joy and enthusiasm – as here and there men reached up a hand to dry an eye at the sheer beauty and majesty of together delighting in the God whose servants we may be. To so many of us Ps. 150 will never be sung the same again. Example In concluding remarks, a grateful participant made mention of the fact that God’s first words to the man Adam was the instruction to guard and keep the garden – for God knew there was an enemy out there intent on hijacking God’s world. Where Adam failed, Christ Jesus did not. Now the task still to guard God’s world remains. Organizers Dan and Kevin and Scott set us an example in doing precisely that, striving side by side to pull off an excellent conference! The 550 men then headed out in all directions. I dare say the conference sparked in every participant a renewed determination never to sit down and shut up, but instead to stand tall together in the battle, striving side by side in struggles against pornography, gambling, alcohol misuse, drug abuse, slothfulness and countless other vices seeking to emasculate men of God. May Strive 2025 be just as successful. Information on the 2025 Strive Conference will be posted to www.StriveMensConference.com as it is developed. ...