As an active JW I NEVER gave any money to anyone. Now that I am not active, my heart has softened (What doesn that tell you?) and very often I will give something. Although I never reach into my wallet for cash, as it's showing them where my money is kept. But if I can see who I am approaching and want to give, I will stick some money into my pocket and smoothly give it.
As far as Lions Clubs, etc....Since I have recently been a charity volunteer, I now will always address person standing in the cold. If I cannot give, I will state that I've already given what I can to charity and appreciate their personal sacrifice.