<prompt> Human: My family is very religious and believe in the standard 10 of your income goes to Church, but our household income is around 65,000 per year IN TOTAL 2 parents, 3 children. Each year around 10,000 goes to extra tutorial lessons, swimming lessons, etc. for my 2 siblings. I just graduated university paid my own way through, so I am going to try to start helping each month as well and am looking for a part time job currently to supplement my full time as it doesnt pay much. My parents recently sent me a list of monthly expenses:monthly cost payment method x---------property tax checking 350car insurance checking 250dad life insurance Savings 160mom and 12 yo bro life ins year end wire 310mine 15 yo sis life ins checking 39home insurance checking 81home alarm visa 23furnace visa 30RESP bro sis checking 113cellphones visa 100water bill bill 80gas? bill bill 60hydro bill 150CHURCH OFFERING cheque 400car fuel credit 450bus passes 2 people credit 350internet credit 68RRSP mom checking 200min. monthly int payment 150Total each month is around 3,364, and its NOT including the cost of food for a family of 5They owe 45,000 on a line of credit mainly due to a car bought 2 years ago, with each months interest being around 150. Im not religious, so to me the first option involves paying that 400 to the loan each month instead or at least lowering the amount, but Ive mentioned this to them and they are adamantly against it and wont budge. They feel that its fine to continue living like this because many other families still have a house mortgage to pay off, and we dont. Ive said that the 45,000 is basically like a mortgage that they are not paying, but their mentality is just that theyll eventually pay it off, its fine, Im not religious so I wouldnt understand the necessary donations Also my parents are planning to go on a church mission trip next summer and take my younger brother with them, which is another couple thousand theyll likely have to squeeze out from somewhere its not a commonly travelled to place, plane tickets are expensive cost of living there for a month I tried saying to take off my life insurance and maybe that of my siblings, but they insist that now is the cheapest time to get life insurance, itll only go up later - our family doesnt have a history of any illnesses but I guess on this issue I can kind of see the point, but its really expensive and I dont even think the payout is that high. I feel really uncomfortable with the amount of debt they have, because what if we have an emergency? Where are we going to get the money for that? Any advice on ways we can cut down, and on HOW I can explain the reasoning for the cutdown to my parents and actually have them understand would be greatly appreciated.  <response>: Try explaining to them that all the interest that theyre paying can instead go towards the church if they actually just paid the debt off first. The church is not in any immediate need of their money, so if they just delay their donations a while, they can be donating even more later! I dont think theres any chance you can talk them out of donating to the church, but hopefully this will convince them to prioritize their finances. 