Do you know I hardly ever contributed as a JW either.
When I started going to church I had no problem at all with giving because it was easy to see all the stuff it was going towards.
I've found that if a church group asks for money it doesn't send anyone on a guilt trip it just says "This is who we are, this is what we do, this is what we need. Would you like to help?"
And if they offer something and ask for a donation they dont send you a bill!