I always carry at least $3 in my car and also in my pocket. I save it for the first person who asks if I can "spare some change". Smiling and maintaining eye contact, I always respond very cheerfully with a comment like, "Yes, I would love to" or, "It would be my pleasure". And I give them the $3.
Then I replace it with my next $3 for the next person. I never spend this money myself. I honor the idea that it is the possession of the next person who asks for it. Three dollars is a small amount, yet it means a lot to the person who might only expect 25 cents, especially when delivered with respect.
I have also taken to carrying items I think the needy may be able to use. I carry hats, socks, gloves, and an umbrella. Recently I put together some care packages for the homeless. It occurred to me that things like band-aids, toothpaste, aspirin, combs, as well as food would be of use. I imagined that they would need things to be non-breakable, so I chose plastic or paper containers. The folks who received them were delighted.
But I think it's not just that I give them things that matters. It's that I see them for the beautiful ray of lights that they are. I know that they are unique expressions of the Divine and that this is how they are at the current time, not who they are. I am glad to also give a hug and a smile with the money. And I always remember it is they who bless me with the opportunity to be kind!
In fact, yesterday a young lady to whom I gave the three dollars and a hat, asked if I could use a spare pair of gloves she had! So I accepted them for the next person who needs them. I was so touched that she wanted to give me something. She gave me more than she guessed!