I used to give a percentage of my paycheck (bi-weekly) to the United Way for years. To be honest, I am ashamed to say that I cannot remember if I still do or not. 90% of the time I donate something, every time a cashier asks for it. Not to mention the girl scout cookies, and basketball/baseball camps I have contributed to.
As far as homeless people go...... I have seen the same guy, begging in the same spot, for months now. I refuse to help him.
If you stand in the same spot, every single day, then you do not want to improve your situation. That line isn't just for homeless people.