Which charity earns the greatest reward? He said: That you give charity when you are healthy and miserly, fearing poverty and hoping to become rich. Do not delay charity until your soul reaches up to the throat, and then you say: This is for so-and-so and this is for so-and-so. Lo, it has already come into the possession of so-and-so
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Abu Hurayrah (may Allah be pleased with him) reported that a man came to the Prophet (may Allah's peace and blessings be upon him) and said: "O Messenger of Allah, which charity earns the greatest reward?" He said: "That you give charity when you are healthy and miserly, fearing poverty and hoping to become rich. Do not delay (charity) until your soul reaches up to the throat and you then say: 'This is for so-and-so, and this is for so-and-so.' Lo, it has already come into the possession of so-and-so."
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