I understand your situation. If I gave a dollar to every homeless person I encountered I would be in the same situation pretty soon myself. I give what I can, but it just isn't enough. We don't have homeless due to a lack of money in the system it is due to a lack of will to correct the situation. There are 29 houses in foreclosure/and or abandoned for every homeless person. Not to mention several thousand public buildings such as schools and nursing homes that have been abandoned. It wouldn't take much in terms of money to convert those buildings into livable space that could be used to house the homeless for free or a portion of their income if they have it.