ANSWER – I honestly do not believe you need anything special to do good for people. The most precious commodity you have is your time. Give what you can spare to food banks, volunteer at a soup kitchen. Get talking to people and offer your time and companionship. Healing begins with the mind and one of the most powerful ways to put both healing and magic back into the world is to show kindness and respect to people so through their own self worth they can begin the healing process on themselves.
From a magical healing point of view the items you use do not have to be expensive ones purchased from shops. I know one witch who collects rocks from nature and infuses them with her desire to heal and help and then gives them to people who need to absorb her positive energies. She gets good results from this, it is free and more importantly her actions show people that she cares which again has a massive boost in the psychology of self healing.
It would be a real shame to see someone with your positive attitude and compassion hold themselves back because of a lack of money. Instead of focusing on what you don’t have, focus on what you do have and go out into the world and work to do good with it.
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