I do give. I don’t adhere to tithing specifically. I live my life everyday giving to the Lord. When someone is in true need, I try to be a blessing.
So yeah there is no rule just give as you please, but be careful of your hearts condition on being "stingy", parting away with money is probably one of the most painful things to do and justify, we as humans just don't want to do it period, even the most devout Christians.
Under new testament cheerful giving most likely you're supposed to match that if not even go above and beyond, unless you can somehow feel cheerful giving small sums, which of course people can, but don't use it as an excuse ohh see I was cheerful in giving a penny, I did my duty.
The point of the scripture is giving out of love abundantly. (Which is extremely extremely hard hard). It was actually easier to give when I was super poor, then it is now that I make more money. Because while I make a decent low-mid 6 figure amount, that is nothing in the grand scheme of things, so giving away $20-$30K/yr still makes you question things, especially doing it a few years that money adds up to a lot in your savings account.
Because depending on which part of the world, or area of the country you live in, low 6 figures is not much on as a single income family. It's not making say 1M/yr and you can give away 100-200K, and still have hundreds of thousands left over.
I've sacrificed savings, put off buying a home, just finally for the first time ever bought a brand new cheapest car I could find, but I understand there are people starving in the world, or whom have never heard the gospel.
So no you aren't obliged to give anything, god will still provide your basic needs, just probably don't expect any additional overly large blessings in return, due to reaping and sowing, of course there are exceptions to the rule, where people are blessed and are stingy and don't give.
We are stewards of his resources nothing is ours, so if you're happy where you are perfectly fine, just don't expect god to give you a bigger allocation to manage on his behalf.
I acknowledge the only reason I make the income I make has been in direct proportion to what I give, the more I give the more god trusts me with on his behalf, of course again plenty of exceptions of him blessings non-Christians, ect.
The amount of money i make for the amount of actual work required, is not proportional and def. not do to my superior skills, it's literally god going here take this money good and faithful servant and manage it faithfully for my kingdom. It literally just flows from him in easy unexpected ways.
But none of this is really important, just pray about it, and if you want to give more ask god to help you with your feelings and circumstances to give more.
Don't take this the wrong way and I don't mean harm when saying this, but you remind me of my mother in law, she gives when she feels compelled, basically a nice way of saying I try to give the least amount possible to still be able to claim browny points, yet she still struggles in basically poverty paycheck to paycheck, having to work 12hrs a day well in her 60's. Hopefully she'll have social security and her home, but that's it, like I said god will provide just the basic necessities, because why trust her with more, if she will just hoard it or spend it on herself.
But Again pray for gods will and his faith to help you give more, if you so desire, you'll be surprised of the outcome, it will be truly unbelievable, where you'll know it's him directly.
Sorry if some parts came a bit harsh, didn't mean too.