Can you wait till next month?
You see, this is something I plan on doing this year, too. Sometimes, I help at the expense of my comfort and that's because I don't learn to say no. I would have had my budget for the month, then someone from somewhere will now come and take without being on the list. I'm not saying I wouldn't help but there are some situations that would make you say no while they check back next time. I'm working on my savings too and there's a target I'm looking at by the end of the year.
I saw that "Can you wait till next month" in a movie, and it really helped the guy. In fact, there are times the guy already knows who he is going to help next month, so if someone comes, he will ask if the person can wait two months. I am going to use that this month, and if they can't, to God be the glory.