God wants you to begin a tithes and offerings process when you are happy to give. If you are afraid to release your funds in this way or begrudge tithing and offering for any reason, then you should wait. If you are already giving and want to increase your donations, rather than force yourself beyond your faith, you should ask God to help you to advance in that area.
If you want to tithe and offer but have not begun yet, don't fear that you will never begin to give. It just means that you need more faith and reliance upon God to be able to give through a pure and fearless heart. If you feel that it would be unwise to give at this time, it is more harmful than useful to succumb to hounding from other Christians. They may mean well but it does little good to pressure and shame others by declaring that we can't afford not to give, that we will never prosper if we don't give, that God is angry because we don't give.
You may be burdened with bills and debts, have a large family for which to make ends meet or be struggling to build up your life on a very low income. The platitudes spoken by others, while they may be based in truth, do not inspire faith. Faith is built by feeding the Word into our spirits each day and by consistent and fervent prayer. These faithful, daily practices are an indication that we are asking Our Father for help and that we are serious about growing into giving.
It was not necessary for Ananias and Sapphira to lie and embellish the amount that they had given. The problem was not how much they had given but that they lied about the amount that they did give. They led others to believe that they had given more than they had, therefore they stole from God through lying. Dishonesty was the problem.
The bottom line is honesty with ourselves and honesty with God is of the utmost importance. If we give through fear, anxiety and faithlessness, it is similar to keeping some back but pretending to be all in. We didn't really want to give what we gave. Maybe we feel that we just can't afford to give at this time. We feel bullied but are afraid to admit it to ourselves and to God. Because of this, we step out before we are ready and for the wrong reasons. On the other hand, when we are honest with ourselves and God, we can begin to grow. God can help us to do it the right way.
The perfect time to start giving will never come, just like with anything else that you need to stretch to do. You'll never have enough money because that money will seem to always be needed for something else. Even so, you have to start somewhere. It's better, though, to grow into giving or to increase giving through pure and fearless hearts. God can and will establish it in you as you continue in prayer, Bible study and occasional fasting. The keys are honesty and to not be ashamed of that honesty, and faith.
When you come into the blessed peace of giving from a pure heart, you will always have this assurance:
Give, and it will be given to you: good measure, pressed down, shaken together, and running over will be put into your bosom. For with the same measure that you use, it will be measured back to you. (Luke 6:38)
