A man came to the Prophet (PBUH) and said: O Messenger of Allah, which charity is the greatest -in reward? He said: To give a charity when you are healthy and stingy, fearing poverty and hoping to live -a long life. Do not delay it -charity- until your soul comes up to your throat -when you are dying- and then say, this is for so-and-so and that is for so-and-so, and I am indebted to so-and-so for this.