You may need to rethink your priorities just a little. We do have to meet our legitimate obligations, but we also need to be willing to sacrifice some entertainment, recreation, or other pleasure if we would otherwise not be able to answer God's call to tithe. Scripture is so clear on the necessity of almsgiving (see Tobit) and sacrifice that we have to be very rigorous in evaluating our response. 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. We do need to tithe, though.