It's great to help people out. However, my philosophy involves helping out as best as I can without money involved. Charities, stores, homelessness, and top it off economy. If it were like before civil war times, that would be a totally different story, because like say homeless would be more grateful. Now a days, it's a gamble on that fact, because sometimes they can buy alcohol or cigarettes just to get through the pain and addiction. An example for this philosophy would be to go for promos and prepare to donate when redeemed. Another one can be volunteer work.

Honestly I think you just need to say no

Learn to say no, and it's a learning process. If you would like some free sites to help you get to the reason and the root cause get back to me and I'll gladly share what helped me to overcome this problem

Yes thank you for your reply I will do that

Hi, Nicky M2 yes please that would be great if you can share information etc very much appreciated