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I donate to a charity that I know will help (they've helped family members in the past), Shelter, but I genuinely say to those who ask me around my town that I have no change
I used to give fairly often, but after handing one of the more famous homeless folks in my community a 5 spot and him immediately saying “thanks man, I’m going to go buy a beer with this” I took a hard think and realized I don’t want to enable that lifestyle. I mean a beer is fine every once in a while, but I’d rather see the guy have a safe environment where he can drink it.
So now instead I donate to our local hospitality house every time someone asks me for some change.
a sub, choosing beggers fits with some homeless , you give them a little something, but they want more.
Economy of scale. Our local soup kitchen could do more with $20 than an individual could