After I started making it a constant goal to part out that 10% to the Church I also began to be aware of where I was dribbling money away that I had not even noticed before, such as buying sodas and cigarettes. Without thinking about it I had reduced those drains on my wallet and eventually ended them. That coke and chips or candy bar at the 7-11 when you stop for gas or just when you pass the 7-11 adds up to a pretty big chunk of your resources and cigarettes are a huge drain. Lots of other little leaks got plugged, mostly unconsciously.
That has carried over to my credit card that I now have. I had one before years ago but couldn't handle it. When it came time to pay the bill I thought I really needed that money and could get by just by paying the minimum charge. Well that is the way to change a convenience into a backbreaking load. I dumped the card finally and paid it off bit by bit. Years later I had to get another card in order to buy plane tickets. I made a point of paying it off monthly except the tickets which I made sure to pay off in 3 months. Now I do it all on line and pay it off almost daily. I pay no interest, except a month or two when I fly. It has become almost a computer game to get the balance to 0 and keep it there.
You won't lose money by tithing, especially if you make it the most important thing you do with your income and give thanks to God when you do.
FR has no such rule - and the page's copyright notice says, "None of the content of this website may be reproduced, either in whole or in part, without the advance written permission of the author" so by its terms your excerpt shouldn't have been posted.