A tithe is a base of giving for those under Grace and not the law, it is an act of faith, you can always give more, and no Church except, Mormons and JW’s require giving.
I stayed home with my three kids and we tithe. We just had to live frugally. We have done that well and not so well sometimes. Your budget looks very typical for someone with your income and in your circumstances. We have a very devalued dollar thanks to easy credit, and if we don’t quit approving every spending program for the Federal and state government we will continue to have the super high taxes we do. That is what is really eating you and others who make over 60K alive.
Tightwads that tell others not to give, although are well meaning, are so selfish and cheap it is hysterical. You always manage to live in the better neighborhood and drive the better car, while you supposedly can’t afford to give to charity. Your checkbook reveals where your faith is. Keep your cheapness to yourself.
If someone making 90k with one child cannot give 10% to charity, our country is in trouble.