You have the right idea! Obviously, we have to meet our legitimate obligations, and we can't let the phone bill go unpaid in order to put the money in the collection basket if it ever comes to that. On the other hand, we have to put at least our 10% tithe-- and maybe more-- ahead of the luxuries and frills of life. We owe all we have to God, indeed our very existence; therefore, this is the least we can do. Even if we have no money left after paying our bills, we can tithe time if that's all we have by volunteering for some worthy cause.