Your child should be trained from the toddler stage to give in order to help relieve the hard times of others - as an expression of their love for God and to support the work of His church. If you begin teaching them early, they will learn the habit of generous giving. As their resources grow, so too will their giving. Meet the material needs of your family. Credit cards should not be used to fake a higher lifestyle than you can afford when there is not enough money to pay for necessities.
Wise people settle down, earn the bread they eat, and live within their means.
God places a high value on meeting the needs of one's family when your priorities are in order. Graciously give to those in need. There are so many people who are suffering in poverty, who desperately need all the help you can give. From worldwide relief organizations to the poor fellow on the corner, each makes an appeal to our resources. But a worthy cause, alone, is not enough.