The most rewarding charity is what you give when you are low and in need. When that time you put others first, then you are the best person.
A hadith from Abu Hurairah (may Allah blesses him), he says:
أَتَى رَسُولَ اللَّهِ صلى الله عليه وسلم رَجُلٌ فَقَالَ يَا رَسُولَ اللَّهِ أَىُّ الصَّدَقَةِ أَعْظَمُ فَقَالَ : أَنْ تَصَدَّقَ وَأَنْتَ صَحِيحٌ شَحِيحٌ تَخْشَى الْفَقْرَ وَتَأْمُلُ الْغِنَى وَلاَ تُمْهِلْ حَتَّى إِذَا بَلَغَتِ الْحُلْقُومَ قُلْتَ لِفُلاَنٍ كَذَا وَلِفُلاَنٍ كَذَا أَلاَ وَقَدْ كَانَ لِفُلاَنٍ
There came a man to the Prophet (ﷺ) and said, “O Messenger of Allah, which charity is the most rewardable?”. He (ﷺ) said, “That you should give charity (in a state when you are) healthy and stingy and fear poverty, hoping to become rich (charity in such a state of health and mind is the best). And you must not defer (charity to such a length) that you are about to die and would be saying: ‘This is for so-and-so, and this for so-and-so.’ Lo! It has already come into (the possession of) so-and-so” [al-Bukhari and Muslim].
So, difficult conditions do not prevent you from continuing to give alms and charity. And, doing that in that condition, the rewards from Allah are greater.
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