A while back, I changed my view of how I dealt with giving people money. Give when it is easy, and give when it is not so easy.
When I give someone money, I do not expect repayment. This way, I am never owed anything, and I do not depend on the money to come back to me. It is a gift. If I cannot afford to give the present, then I self-honor and do not give. The most critical point for me is my intention of giving with no thought of getting it back from the person I am giving. Based on the law of sowing and reaping, we will get it back what we send out, and it will return from somewhere else and when we least expect it. What we will receive will be 10x greater.