His charity was of various kinds. Sometimes he gave a gift; sometimes he borrowed something and repaid it generously; sometimes he bought a thing and paid more than the price to the seller; and sometimes he gave charity. He accepted gifts from other people but always gave more gifts in return for them.
Muhammad never said no to any request from anyone in his life. He used to say that he was only a distributor and a treasurer and that Allah was the Bestower of everything. Once a man came to him and saw his herd of goats stretching over a vast area. He requested help and Muhammad gave him the whole herd of goats. He went back to his people and told them to accept Islam, for Muhammad was so generous that there was no fear of poverty. Another man asked him for help when he had nothing to give, so he told the man to borrow on his behalf and he would repay the loan. `Umar, who was present, asked Muhammad whether Allah had not burdened him more than he could bear. The Prophet kept quiet. However, a man was present there who offered to help. Muhammad smiled with great joy at his offer.
Muhammad was so generous that he always gave something to anyone who asked him for help, but if he had nothing, he promised help later on. Sometimes it so happened that Muhammad purchased an article for himself, then gave it as a gift to the seller. Once he bought a camel from `Umar and straightaway gave it as a gift to `Umar’s son `Abdullah. Once he bought something from Jabir and gave it back to him as a gift.
Sometimes Allah blessed the food that the Prophet shared so that it multiplied to feed many. During one battle, there were 130 Companions with the Prophet. He bought one goat, slaughtered it and ordered its liver to be roasted. When it was ready, he distributed it among all the Companions and kept a share for those who were not present.
Whenever he received anything, he did not sit in peace until it was finished. Umm Salmah, the Prophet's wife, reported that one day Allah's Messenger came home looking disturbed. She asked him what the matter was. He replied that the seven dinars he had received the day before had remained on the bed until evening and had not been distributed. He did not rest until they were given away.
Abu Dharr reported that one evening he was walking with Allah's Messenger when he said, "Abu Dharr, if the mountain of Uhud were turned into gold for me, I would not like three nights to pass and one dinar still be left with me, excepting what I would leave for paying my debts." He would never rest until all the cash in the house was completely finished. Once the Prophet went home in a hurry after the prayer and then immediately came out again. The people were surprised, but he told them that he had remembered during the prayer that there was some gold in his house. He thought that he might forget and the gold might remain there all night. He went back home to ask that it might immediately be given in charity.
He always paid the debts of the dead and issued instructions to the effect that if anyone died leaving any debt, he should be informed of it so that he could pay it off.
Whenever Muhammad met any miserly person, he advised him to be more generous and charitable. Ibn `Abbas said that he heard Allah's Messenger say, "The believer is not the one who eats when his neighbor beside him is hungry," Abu Hurayrah reported Allah's Messenger as saying, "The believer is simple and generous, but the wicked person is deceitful and ignoble." In short, Muhammad was so generous and charitable that he never kept anything surplus for himself but gave all to those who came to him for help.
If there is a phrase that can describe the world today, it has to be "Competing in Sin!"
Many Muslim governments, groups and individuals have taken an un-Islamic path and are trying to do what non-Muslim governments, groups and individuals are doing. It is a competition in sin and Muslims are losing. About fourteen hundred years ago, one of the most beloved person of the Muslim ummah, Umar bin Abdul Aziz wrote a letter to a military commander and said:
Sin is even more dangerous than the ruses/tricks of the enemy. Amirul-Momineen bids upon Mansur that instead of taking fright of his enemy, he should fear transgressing the limits of Allah T’ala. We overcome our enemies in the battlefield only because of their vices and sins, for, had it not been so, we would not have had the courage to face them. We can not deploy troops in the same numbers as our enemies can do, nor do we possess the equipments they have got. Thus, if we equate ourselves with our enemies in misdeeds and transgressions, they would undoubtedly gain a victory over us by virtue of their numerical superiority and strength.
اِهْدِنَا الصِّرَاطَ الْمُسْتَقِيْمَ
(O Allah, we ask you to) Direct us on to the Straight Way (1:6)
We beseech God to guide us in all walks of life to a way which is absolutely true, which provides us with a properly-based outlook and sound principles of behavior, a way which will prevent our succumbing to false doctrines and adopting unsound principles of conduct, a way that will lead us to our true salvation and happiness. This is man's prayer to God as he begins the study of the Qur'an. It is, in short, to illuminate the truth which he often tends to lose in a labyrinth of philosophical speculation; to enlighten him as to which of the numerous ethical doctrines ensures a sound course of conduct; to show which of the myriad ways and by-ways is the clear, straight, open road of sound belief and right behavior.