seeallsides, the trick is not to feel Mechuyav. See MY THREAD about doing Chesed by choice and determination, not out of weekness.
I heard a story about a Tzaddik who was a big Baal Tzeddaka. One day he completely stopped giving Tzeddaka. It came to a point where there was a woman begging at his door until she began crying. After that he started giving again. He explained that he wanted to make sure that he wasn’t just giving to sattisfy his own Rachmanus.