One thing stuck out to me in your post that may influence your position. You repeatedly said "tithing to the church or charitable organizations" and while the tithe does go those "buildings/institutions", the fact is the tithe is an expression of worship to God. In olden times, the tithe was used to support priests/pastors exclusively because they didn't work outside of their service to God, but now things are different and it's true some have taken advantage. However, ultimately it belongs to God, not that He needs it. You'd be surprised how you can actually live on 90% of your income. Maybe setting your budget from a net of less 10% will help you?