Since I started donating 10% (not very long ago), the only part of my discretionary spending that has taken a hit are my “dumb” expenses: nice new clothes, fancy meals, just overall waste. It turns out that stuff added up to 10%. But YMMV.
If you’re worried, and I think it’s reasonable to be, why don’t you start by pledging 1% and notching it up bit by bit? There’s no need to rush to take the 10% pledge. There is nothing special about that number and you need to figure out what works for you.
Since I started donating 10% (not very long ago), the only part of my discretionary spending that has taken a hit are my “dumb” expenses: nice new clothes, fancy meals, just overall waste. It turns out that stuff added up to 10%. But YMMV.
If you’re worried, and I think it’s reasonable to be, why don’t you start by pledging 1% and notching it up bit by bit? There’s no need to rush to take the 10% pledge. There is nothing special about that number and you need to figure out what works for you.