Money is a tool to better your lives and the lives of the people around you. That means that you do have a moral obligation to help people who are less fortunate than you. This involves giving charity as much as you can.
Giving 10% of my income has always been a crucial part of my budget. Giving charity is not negotiable. Even when we were making very, very little money, this was always set aside.
When I receive my paycheck, I immediately deduct 10%. That money does not belong to me. It goes in a separate account
Having a separate account also allows me to put very small amounts of money away. If I make $5, then 50 cents gets set aside. I am not going to go and give 50 cents to someone, but it all adds up to give a “respectable” amount at a later date.