Charity begins as home. Take care of yourself in so far as you don't have to harm others to do so. Then, when you have what you need, when you find you have extra, share that extra with those who don't yet have enough.
You can't help others unless you're on a stable foothold. That's not a belief - it's a fact. It's also relative to the circumstance. If your friend needs help getting home and you have no car, there might be a problem. And if someone needs spiritual guidance, you should probably consider the strength of your own faith before lending much more than prayer or kind words of support.
Family first! Helping those in need, does not always mean you have to provide money! Charity can include the simple act of just visiting a nursing home or people in the hospital! After you have provided for your family, then financial support can be offered (not forced, but offered) to those in need!