BOOK A CALL WITH RALPH
Ask Ralph: Christian Finance
Feb. 9, 2025

Is Generosity Possible When You're Struggling?

Is Generosity Possible When You're Struggling?

How Can I Stay Generous for God Even in Tough Times?

It's easy to be generous when your bank account is full and your investments are performing well. But what about when you're facing a job loss, unexpected medical bills, or an economic downturn? How can you continue to honor God with your finances when money is tight? Is Generosity Still Possible When You're Struggling?

Check out the full podcast episode:

This is a question many people struggle with, especially during challenging times. But the Bible makes it clear that generosity is a core value for Christians, regardless of our circumstances. In fact, giving during times of hardship can be an incredibly powerful way to demonstrate faith and trust in God's provision. He is Jehovah Jireh, our provider!

In this blog post, we'll explore biblical principles and practical tips for staying generous even when facing financial difficulties. We'll delve into inspiring stories from Scripture, examine the benefits of giving, and provide resources to help you navigate tough times while maintaining a generous heart.

Biblical Foundation for Generosity in Difficult Times

The Bible is filled with examples of generosity, even in the face of adversity. Here are a few key principles to guide us:

  • God is our provider: Even when we give sacrificially, we can trust that God will meet our needs. As Paul reminds us in Philippians 4:19, "And my God will meet all your needs according to the riches of his glory in Christ Jesus." 1
  • Giving is an act of worship: When we give, we acknowledge that everything we have comes from God. Deuteronomy 8:18 tells us to "remember the Lord your God, for it is he who gives you the ability to produce wealth." 2
  • Tithing as a Principle: Malachi 3:10 encourages us to "bring the whole tithe into the storehouse, that there may be food in my house. Test me in this," says the Lord Almighty, "and see if I will not throw open the floodgates of heaven and pour out so much blessing that there will not be room enough to store it." While tithing is often associated with giving 10% of our income to the church, it's important to remember that God values the heart behind our giving more than the specific amount. Even in tough times, giving a portion of what we have demonstrates trust and obedience3. However, it's crucial to approach tithing with a cheerful and willing heart, not out of legalistic obligation5.
  • Generosity is a blessing: Giving brings joy and contentment, and it can open doors to greater blessings. Proverbs 11:25 states, "A generous person will prosper; whoever refreshes others will be refreshed." 6
  • God loves a cheerful giver: Our attitude matters. We should give freely and joyfully, not out of obligation or guilt. 2 Corinthians 9:7 emphasizes this: "Each of you should give what you have decided in your heart to give, not reluctantly or under compulsion, for God loves a cheerful giver." 1
  • Generosity flows from love: True generosity comes from a heart of love for God and others, not from a sense of duty or pressure. As 1 John 3:17 states, "If anyone has material possessions and sees a brother or sister in need but has no pity on them, how can the love of God be in that person?" 3

The Benefits of Generosity

Giving isn't just a spiritual discipline; it also has tangible benefits for both the giver and the receiver.

  • Benefits for the Giver: Studies have shown that generous people tend to be happier, healthier, and more satisfied with life7. Generosity can reduce stress, increase feelings of purpose, and strengthen relationships8. It can also help us break free from materialistic tendencies and cultivate contentment8.
  • Benefits for the Receiver: The benefits for the receiver are often obvious – meeting a tangible need, providing support during a difficult time, or simply offering a helping hand. But generosity can also inspire hope, build community, and create a ripple effect of kindness9.

Bible Stories About Giving in Tough Times

The Bible provides inspiring examples of people who remained generous even in difficult financial situations:

  • The Widow's Offering: In Mark 12:41-44, Jesus commends a poor widow who gave her last two coins to the temple treasury. She gave sacrificially, demonstrating her faith in God's provision. Jesus pointed out that her small gift was more valuable than the large sums given by the wealthy because she gave out of her poverty, all she had to live on10.
  • The Macedonian Church: In 2 Corinthians 8, the Apostle Paul praises the Macedonian church for their generosity, even though they were experiencing "extreme poverty." Their joyful giving, despite their own hardships, was an inspiration to other churches and demonstrated the transformative power of the Gospel11.
  • The Widow of Zarephath: During a severe drought, the prophet Elijah was sent to a widow in Zarephath who had only a handful of flour and a little oil left. Elijah asked her to make him a small cake first, and she obeyed in faith. Miraculously, her flour and oil did not run out throughout the drought, providing for both her, her son, and Elijah10.

These stories remind us that generosity is not about the amount we give but about the heart behind it. Even small acts of giving, when done with faith and love, can have a significant impact.

Practical Tips for Staying Generous in Tough Times

Here are some practical ways to maintain a generous spirit when money is tight:

  • Give first: Make giving a priority in your budget, even if it's a small amount. This demonstrates faith and trust in God12. When we give first, we acknowledge that God is our ultimate provider and that we trust Him to meet our needs.
  • Budget wisely: Create a budget that includes giving as a regular expense. This helps you be intentional with your finances and ensures that giving is not an afterthought12.
  • Avoid lifestyle creep: As our income increases, it's easy to let our spending increase as well. This "lifestyle creep" can eat away at our ability to save and give. By intentionally keeping our expenses in check, we can free up more resources for generosity13.
  • Give creatively: Explore non-monetary ways to give, such as volunteering your time, sharing your skills, or donating goods9.
  • Look for opportunities to bless others: Even small acts of kindness can make a big difference. Offer to help a neighbor, cook a meal for a friend, or simply lend a listening ear14.
  • Cultivate an abundance mindset: Instead of focusing on what we lack, we can choose to focus on God's abundance and provision. This shift in perspective can lead to greater generosity, even in times of financial hardship13. When we trust in God's faithfulness, we can give freely, knowing that He will take care of us.

Giving Time and Talents

When financial resources are limited, consider giving your time and talents:

  • Volunteer: Offer your time to a church, charity, or community organization. Your skills and abilities can be a valuable asset15. Consider volunteering at a local soup kitchen, homeless shelter, or animal shelter.
  • Use your gifts: Identify your talents and find ways to use them to serve others. Perhaps you can teach a class, offer childcare, or help with a project16. If you're good with children, offer to babysit for a single parent or volunteer in the church nursery. If you have a knack for fixing things, offer to help a neighbor with home repairs.
  • Be a mentor: Share your knowledge and experience with someone who could benefit from your guidance17. Mentor a young person, offer career advice, or simply be a friend to someone who needs support.
  • Donate blood: Giving blood is a simple but powerful way to give back to the community18.
  • Share meals: Prepare an extra meal and share it with a neighbor or friend in need17.
  • Use your skills to help others: Offer to help someone with their resume, teach a friend a new skill, or provide assistance with a project19.

Setting Boundaries in Generosity

While generosity is a virtue, it's important to balance it with financial responsibility, especially during tough times. Here are some tips for setting healthy boundaries:

  • Prioritize your needs: It's okay to say no to requests that could jeopardize your own financial well-being. You can't pour from an empty cup20.
  • Set a giving budget: Determine how much you can realistically give without putting yourself in a difficult financial position20.
  • Communicate clearly: If you're unable to help financially, be honest and upfront about your limitations. Offer alternative ways to support, such as prayer or practical assistance20.
  • Avoid overspending to impress others: True generosity is not about appearances or trying to gain approval. Focus on giving from the heart, not out of obligation or pressure20.

Resources for Those Struggling Financially

If you're facing financial hardship, here are some resources that can help:

  • Crisis Assistance Ministry: This organization provides financial assistance and support to families in need, including help with rent, utilities, and other essential expenses21.
  • Financial Finesse: This company offers financial counseling and education to help individuals and families achieve financial wellness. They can provide guidance on budgeting, debt management, and other financial challenges22.
  • New Money Habits Budget Bootcamp: This program teaches you how to establish peace of mind with your money by taking control of your income, paying your bills on time, and kicking debt to the curb23.

Conclusion

Staying generous in tough times can be a challenge, but it's a powerful way to demonstrate faith and trust in God. By following biblical principles and practical tips, you can continue to honor God with your finances, even when money is tight. Remember that generosity is not just about giving money; it's about giving of yourself – your time, your talents, and your love – to make a difference in the lives of others.

When we choose generosity, we experience the joy of giving, strengthen our faith, and become channels of God's blessings to those around us. Even in the midst of financial difficulties, generosity can be a source of hope, reminding us that God is our provider and that we are called to be His hands and feet in a world that desperately needs His love.

Works cited

  1. Bible Verses About Giving and Generosity - Compassion International, accessed January 30, 2025, https://www.compassion.com/christian-faith/bible-verses-about-giving-and-generosity.htm
  2. Christian Perspective on Wealth: Security and Generosity in Balance - Impact Family, accessed January 30, 2025, https://impact.vision/blog/christian-perspective-on-wealth-with-balance/
  3. Renewing Your Joy in Generosity - FaithFi, accessed January 30, 2025, https://www.faithfi.com/faithfi/renewing-your-joy-in-generosity-7175
  4. Having Faith During a Personal Financial Crisis - Ramsey Solutions, accessed January 30, 2025, https://www.ramseysolutions.com/personal-growth/faith-during-financial-crisis
  5. Tithing in tough times - giving through financial hardship - Stewardship, accessed January 30, 2025, https://www.stewardship.org.uk/blogs/tithing-tough-times
  6. 12 Bible Verses About Giving | The Keys To Charitlbe Living - mobileAxept, accessed January 30, 2025, https://mobileaxept.com/2019/10/24/bible-verses-about-giving/
  7. The Completely Achievable Path to Generosity - Becoming Minimalist, accessed January 30, 2025, https://www.becomingminimalist.com/the-completely-achievable-path-to-generosity/
  8. The Blessing of Generosity - Becoming Minimalist, accessed January 30, 2025, https://www.becomingminimalist.com/blessing-of-generosity/
  9. Generous Giving During Tough Times: Spreading Hope and Love, accessed January 30, 2025, https://hopethroughhardtimes.org/generous-giving-during-tough-times-spreading-hope-and-love/
  10. When Giving Is Hard - Good Sense Movement, accessed January 30, 2025, https://goodsensemovement.org/when-giving-is-hard/
  11. Cost of living crisis: Giving when times are hard - Stewardship, accessed January 30, 2025, https://www.stewardship.org.uk/blogs/cost-living-crisis-giving-when-times-are-hard
  12. 6 Expert Money Moves to Make in Financial Hard Times - TaxAct Blog, accessed January 30, 2025, https://blog.taxact.com/6-money-moves-financial-hard-times/
  13. What are your best finance tips for hard times? : r/Frugal - Reddit, accessed January 30, 2025, https://www.reddit.com/r/Frugal/comments/19e4vth/what_are_your_best_finance_tips_for_hard_times/
  14. 7 Ways You Can Still Give During Tough Times - Crosswalk.com, accessed January 30, 2025, https://www.crosswalk.com/church/giving/ways-to-give-during-tough-times.html
  15. Ways to Give to Charity Without Donating Money | Save The Children, accessed January 30, 2025, https://www.savethechildren.org/us/ways-to-help/ways-to-give/ways-to-support-charity-without-donating-money
  16. Time, Treasure and Talents - FaithFi, accessed January 30, 2025, https://www.faithfi.com/faithfi/time-treasure-and-talents-4715
  17. 13 Creative Ways to Give Back Without Giving Money - Thrive Global, accessed January 30, 2025, https://thriveglobal.com/articles/13-creative-ways-to-give-back-without-giving-money
  18. 25 ways to give to charity | CAF, accessed January 30, 2025, https://www.cafonline.org/personal-giving/resources/ways-to-give-to-charity
  19. 50 Good Things you can do this Giving Season - Benevity, accessed January 30, 2025, https://benevity.com/resources/50-ideas-to-do-good
  20. How can you be generous and still set boundaries? – Values and Money - Heartlines, accessed January 30, 2025, https://www.heartlines.org.za/values-and-money/stories/how-can-you-be-generous-and-still-set-boundaries
  21. Crisis Assistance Ministry: Home, accessed January 30, 2025, https://crisisassistance.org/
  22. Help Others Without Hurting Your Own Finances - NFLPA) - The Trust, accessed January 30, 2025, https://playerstrust.com/tips/help-others-without-hurting-your-own-finances
  23. The Transformative Power of Generosity in Your Finances - New Money Habits, accessed January 30, 2025, https://www.newmoneyhabits.com/blog/the-power-of-generosity

Related Episode

Feb. 9, 2025

How Can I Stay Generous for God Even in Tough Times?

Generosity can feel like a distant dream when your financial situation is tight, right? But hold onto your hats, because we're diving into how to stay generous for God even when the money seems tighter than your favorite pai…