How to give charity if you're broke
فَمَنْ لَمْ يَجِدْ فَبِكَلِمَةٍ طَيِّبَةٍ
رواه مسلم
And whomsoever cannot even find a little piece of a date, then let him save himself from the hell-fire with just a goodly word
(Muslim)
Meaning: maybe one is unable to give charity due to many personal difficulties like loans, and personal difficulties within the household. There are many people who are genuinely unable to give, but, you can’t say a good word?! You can’t encourage others to give instead, hence acting upon good deeds and piety?! If you don’t have the ability to give then this is possible as Allāh (سبحانه و تعالى) has not blessed everyone with huge amounts of wealth or even small amounts of wealth.
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