Charity should be a principle good deed in life. If you have money and time that is. It's more important to your spirit to give than to build up your personal empire. It's good to give of yourself and your time. The greatest gift anyone can ever give is charity.
By chaity I'm not referring just to money. I'm referring to anything that you give: time, money, an ear, encouraging words, etc. Any act of humility in a sense is a charitable contribution. It's anything that makes someone else better.
You can make a difference in another person's life. Don't let bad events change you either. don't stop giving just because bad things happen, because bad things happen to everyone. Don't close off your heart.
It's important that you care about the entire human condition, not jut about this and not just about that and not just about yourself and not just about your family. You have to give of yourself in a way that you make the entire human condition better.
And it doesn't have to be something big either. For instance, I'm writing this blog and I have kids and I'm a respiratory therapist and I help people. In that way I have made the world better in just a small way. You have your own way of contributing.
Are you an RT or a nurse or an EMT or a doctor? Then you are contributing. You are giving a charity to each person you touch in a positive way. Every time you smile to your boss instead of getting angry at him you are, in a sense, giving charity.
You are one person in a material world. No matter how much you have, no matter what gifts God has given you (or the peanut butter ferry if you don't believe in God), share it. Because you can make a huge difference. Give to charity. Give of yourself in some way.