When it comes time for giving, you can always find an excuse why you cannot give. The economy is bad, my job is not secure, my kids university fees are high and so on. If you take this approach, you stop the flow of abundance coming to you.
Alternatively, you can find an excuse why you can and should give. If you take this approach you attract abundance and blessings.
Which of the two outcomes would you rather have when things are hard?