1. Offer Compassion First

Whenever someone requests help, a caring heart is the best starting point. As we read, “Give to the one who asks you, and do not turn away from the one who wants to borrow from you” (Matthew 5:42). Begin by listening to the person’s story, showing empathy, and understanding their situation. Even if you cannot meet every need, your compassion communicates respect and kindness.

2. Remember Our True Provider

Before we reach for our wallet (or decide not to), remind yourself that our ultimate source of provision is not our own strength. “And my God will supply all your needs according to His glorious riches in Christ Jesus” (Philippians 4:19). Trusting that God provides allows us to be generous without fear of running short because He is faithful to care for our needs.

3. Share Christ’s Love in Action

Acts of giving aren’t just about money; they’re about demonstrating genuine love. As Scripture says, “Little children, let us love not in word and speech, but in action and truth” (1 John 3:18). Whether we give financial assistance, share a meal, or point someone to a supportive agency, we live out a loving response that reflects Christ’s heart.

4. Encourage Godly Stewardship

When someone asks for money, it can open the door for a friendly chat on handling resources wisely. “Moreover, it is required of stewards that they be found faithful” (1 Corinthians 4:2). Offer practical pointers on budgeting or directing them to financial literacy programs, helping them put whatever resources they have toward good use.

5. Pray Together for Wisdom

If someone seems receptive, invite them to pray about the situation. “If any of you lacks wisdom, he should ask God, who gives generously to all” (James 1:5). Praying together leads to a sense of peace, opens hearts to God’s guidance, and reminds both of you that He is intimately involved in every need.

6. Provide Guidance Over Gifts

Sometimes, handing over physical resources without any follow-up can do more harm than good. Instead, offer guidance or referrals to community programs that can bring about long-term solutions. This way, you’re practicing wise generosity, guided by the principle, “A wise man listens to counsel” (Proverbs 12:15).

7. Notice the Opportunity to Witness

A request for money can be a springboard to talk about faith. “Always be prepared to give a defense to everyone who asks you the reason for the hope that is in you” (1 Peter 3:15). Though the immediate need might be finances, sometimes the deeper need is spiritual encouragement and the assurance of God’s love.

8. Check Your Own Heart

Before responding, take a moment to examine your motives. Do you feel compelled by guilt or genuine concern? “Each one should give what he has decided in his heart to give, not out of regret or compulsion” (2 Corinthians 9:7). A cheerful, willing spirit of giving goes far beyond money—it is a reflection of God’s grace in our lives.

9. Reflect on Eternal Treasures

In a world that measures success by wealth, remember that there is more to life than our bank balances. “Do not store up for yourselves treasures on earth…but store up for yourselves treasures in heaven” (Matthew 6:19–20). When we help others, we invest in eternal values, keeping our eyes on the lasting joy found in serving God.

10. Follow Up with Genuine Care

Finally, follow through by checking in later, offering a listening ear, or helping connect them to supportive communities. “Therefore encourage and build one another up, just as you are already doing” (1 Thessalonians 5:11). A brief conversation or small gift can spark meaningful growth when it includes ongoing support and real friendship.