Hi Forgetmenot.
First of all, take a moment to pause and take a deep breath. Look around you in your own neighborhood. Are there people you can help without spending gobs of money? Like taking an elderly neighbor to a doctor appointment. Or picking up some groceries for someone who no longer drives.
Decide what matters most to you. If donating to a particular charity is beyond your financial ability, consider volunteering if it is a charity you feel is truly making a difference. They can always use people to answer phones and send out mailings.
Let your heart guide and direct you. You will find your niche where you are wanted, needed and appreciated.