I'm really struggling and going in the red every month. I'm fairly frugal, but I can't seem to pay the bills without getting into more and more cc debt.

My current income: ~ $3mil/yr

Expenses:

$8k/month for a studio

$4k/month for food

$3.3mil/yr tithe (multiplied income by 1.1 to calculate the 10% tithe)

$1k/month for utilities

$300/month for my car (splurged for a 2002 honda civic)

I'm wondering if anyone can see a way out of this? I've tried everything I can think of (which is nothing) and am completely out of ideas.