Sharon. Thanks for sharing! I appreciate your desire to give more to His Kingdom! With that as a goal, I would encourage you to focus on giving, saving and getting out of debt simultaneously. You will be learning practical applications to eliminate your debt more rapidly than you are currently. The key will be to develop your budget, or refine it if you already have one and are living by it. And in the short term, you may have to temporarily do some “belt tightening.” The good thing is that God is for you and will make a way as you endeavor to become a more faithful steward!