I have encouraged women in this situation to go to their husbands, explain their deep conviction about giving, perhaps share one of the passages about how God blesses givers, and tell him she believes God will provide for their family so that the amount she desires to give won't be noticed by him, even if it is substantial.

To change the direction of our lives we need to prayerfully make wise decisions, and nothing is wiser than giving first to God, cutting back our expenditures wherever we can, and systematically paying off our debts to others,