I really struggle with charitable giving to individuals. I sit in church every Sunday and listen to stories of Jesus helping the poor and I wonder where the line is. How much is too much help? Am I really helping by giving them money? Would it be better to give to an organization?

I wonder because I have neighbors who seem to constantly be needing money and favors and I have serious issues with it because 1) it's gotten out of hand, 2) to some extent, I don't feel like its my problem (very unchristian I know), and 3) I worry they're not truly utilizing the money for what they claim it's for.

I also contribute significantly to organized charities, which I feel so much better about than giving to my neighbors or someone on the street with a cardboard sign.

How do you decide to whom and how to give and help those less fortunate? Do you ever give to individuals?