dude if you only stay inside your home you would not understand, have a few walks in your place or in the city you would notice how hard the life for others and why others are fortunate and some are not, it takes a lot of understanding to know what happened before helping but the feeling will never be the same once you experience someone thanking you for your effort in helping them it will felt great.
One must take into account that there are a lot of charitable organizations that just take the money and really don't help the people that they are supposed to be helping, I would rather use the money and make my very own charity organization instead of donating to one when i don't know for sure what they are using the money for.