Celeste said:
I find homelessness such a worry as it could happen to anyone.
This ^. All it takes is a run of bad lack. The tragedy of it is that many of them needn't be sleeping on the streets. Personally speaking, I have plenty of people in my life who'd help me out if I ever needed a place to stay, and I'm sure most people here could say the same. For a lot of homeless people, however, they feel they are unable to ask their family and friends for help, for any number of reasons (pride, fear, etc.) That's the saddest part of it, for me.
I give to Crisis every year because, in addition to providing warm beds and meals, they also help to rehabilitate homeless people and encourage them to overcome any issues or difficulties that might be preventing them from seeking help from family and friends. There are other homeless charities but I reckon they're the best. It's shitty though that we even need charities for this sort of thing - no one should be homeless in a country as supposedly developed and affluent as ours.
For people begging on the streets, don't give them money (hot food and drink much better), but do talk to them, even just to acknowledge them or say hello. Just being treated like people is probably worth more to them.