We like the idea that our parish knows our contribution can be depended on to be there, whether we are out of town, sick, suffering from bad memory, late for Mass and can’t find the checkbook, snowed in, or whatever. We pay many of our bills electronically, and since our income is steady, it works for us.
If you can swing it, this method has two advantages. First, your parish or whatever other charity you give to regularly knows they can depend on you. Second, it is like the method of saving where you “pay yourself first.” If you pay the contribution first, you miss it less, and you are less likely to be tempted to skip out on it when things get a bit tight.
For those whose finances go beyond “tight”, though, it might have the disadvantage of subtracting from sound sleep. I don’t know of any parishes who would not rather wait a bit, rather than take their contribution first in exchange for a parishioner or their children facing food, mortgage, or electricity uncertainty.
If you like the idea of “sacrificial giving”, but think you may find yourself in the latter group, then put aside next month’s money in cash, and try not to dip into it. If you have to do that, if things are not adding up however you try to make them, and you are not in a profession of unpredictable income, it’s probably time to give your initial assumptions another look.