The Bible says that if we give to the poor, we lend to the Lord, and He will repay. On the other hand, the Bible doesn’t say we are to hand out money to people who are chronic takers, and who live in expectancy that somebody else is going to provide for them.
There is a vast difference between a leg up and a hand out. We should be eager to give anyone a leg up. We really shouldn’t lend money to a person who has nothing, because that only puts him further in the hole. We should give it to him, if it will really help him. There are many people who have had some unfortunate thing happen in their life, and they are fighting their way back, and it is a joy to give to those folks. On the other hand, there are people that no matter how much money you gave them, they would be back in a very short time with their hands out again. Most of the time, those are the people who are smoking cigarettes, talking on cell phones, etc. They are not the poor to whom the Bible says we should give.
God loves a cheerful giver, and we should aggressively look for avenues of proper giving. But beware, their are those who have got ripping you off down to a science.