When GOD has provided you with wealth, don't assume that by giving monetary charity your task is done - you also should never forget that you also have capability to serve. Service is necessary to complete the charity circle.
For people who are having difficult times in life, they should serve others more than they currently and all the problems are cleared when one starts to think more of others and less of themselves - selfless acts of service. One such service can be shoe service at your religious place of worship.
In every adversity lies seed of equal or greater opportunity.