There is no beef here. You have asked everyone’s opinion on how to save money in this day and age. My advice is to take the tithe money and put it toward your downpayment on a house.
Later when you have the means to give outside of taking care of your own household then by all means be charitable to the places or people of your choosing. Just know that you are not obligated to tithe nor is it a minimum that you are required to give.
Out of curiosity, do you give your tithe directly to people in need or a church structure?
