SJS:
That is ‘aniyei ircha kodmin’. So now that you got your psak, I’ll address the second thing you mentioned since the first is not negotiable anymore for you.
I did answer your second point according to what you meant but maybe I wasn’t clear. Let’s say you calculate that after all your needs are met you will only have $10 for tzeddaka. On one side of your block is a poor family, on the other side is a struggling kollel. Unless you pass the poor person in the street (in which case the din of ein ma’avirin would apply), I would have told you (before you got your psak) that it is more beneficial to give the money to the kollel in the zchus of the poor family.
In this way you are helping the poor family specifically and the entire klal at the same time by helping a person learn more Torah through your tzeddaka. That’s what I meant.
I’ve already brought the Chofetz Chaim in an earlier post explaining his views on those ABLE to support Torah. If you don’t feel you fall under this category then I don’t think there is any problem.