My recommendation is to offer to those in need and to the church you attend 10% of your gross and see if you can live on the 90% that is left. Living on the 90% that is left is possible for all but at times it may come at a cost of not buying what you want, like a new car or a new house or new things to charge on the credit card. Is going without the things you want that really are not needed actually a sacrifice? Or is it a way to hold our self centeredness and selfishness and check and allowing our Lord Jesus Christ is preeminent in our life?
If you feel that the church you attend is not using the money that they receive to take care of the needs of others and I’m more interested in buildings and salaries of staff and you have a hard time giving your income to them, there are bigger issues than you’re giving head play that you need to address if you plan on continuing going there. I’ve heard this excuse over the years from people to justify why they won’t give to the Lord and want to keep 100% of what the Lord has given to them.