Giving willingly

It's funny how sometimes life goes full circle. I mean, I do realize that being a parent that automatically there are going to be things that I was on the other end of as a child that will flip with my role as a parent. But there is another situation currently in my life where I have seen some changes. Tara and I are working on a loan modification through our mortgage company and with a local agency. When we talked over the phone with a company about all of our finances from our water bill, to gas, to groceries and so on they came up with one solution. To cut back on spending, duh that was brilliant. If we spend less we will be in better shape, wish I could have thought of that myself!
But no, they looked over our spending and they decided they couldn't find any area that we could cut back very much on. We spend less than expected in most every area but gas. And then, they had us fill out this sheet with all of our monthly expenses on it and that's where it got interesting. They decided that we give way too much to the church. I showed them what we make and what we give and it comes out to about 11-12% depending on when our paychecks actually fall. So the lady told us, if we quit giving to the church we wouldn't be in a bind right now. To which I quickly replied, if we don't give to the church we can cross out one of my major incomes.
I recall about 2 years ago I was working for the Homeless Coalition as a literacy program leader. One of my other jobs was as a case manager for the families. I had 2 families in particular who I knew were CHristians and went to a local church pretty regularly. When we worked out their budgets I asked them about giving to their churches. One said they didn't have the money left over to, to which I shared the giving the first 10% and not the leftovers. The other family said they didn't have enough to give, but that the Lord would help them out of this situation eventually and they would start giving. What a sad pair of commentaries on giving to God.
I am defending myself on both ends, once as a person who sees someone else's need to give and then more recently as a believer being told not to give.
2 Corinthians 8:12 says, "For if the willingness is there,the gift is acceptable according to what one has, not according to what one does not have."
There you have it, it isn't just giving that God accepts. It is actually giving willingly that He is looking for in His people. So do you give willingly, the first 10% or do you just give whatever you ahve leftover grudgingly. ANd if you do give it grudgingly is that truly giving?
Thanks for reading and have a great day!