Disciplines are hard. However, as with any discipline, if you stick with it, it has the potential to become a joyful part of our lifestyle - exercising, eating healthy, organized, etc. Spiritual disciplines are no different.
In Matthew 6:1-6, Jesus teaches us the importance of giving & prayer as ways that God grows our faith. He challenges us to give our money because that discipline helps us not to place our trust in bank balances or little pieces of paper, but rather in God who sees everything. He also challenges us to pray as a way to demonstrate that our trust is in God not our circumstances, abilities, or the data around us.
When we give of our resources & pray, we are telling God we trust Him with our money & our time.