Helper, doer, Prayer

I am a do'er. When someone comes to me with a problem I want to help-do something. I most cases I don't but sometimes I do and most of the time it gets me into trouble because I don't have the time, money, permission, etc...right now I am thinking of helping someone I don't even know but the need is great. I know that they would appreciate the help but I just don't know how to swing it. How do I know if it is something that should be done or what and more importantly if God wants it to be done? Right now I don't have time, money or resources but I just feel like this family needs help. PRAYER is the only way I can help right now I guess and sometimes that is the only way I can help.