are you afraid that you will have to offer charity when you hold private conversation with the prophet? but if you are unable to do so and allah pardons you then establish prayer and pay zakah and obey allah and his messenger. allah is well aware of all that you do.
أأشفقتم أن تقدموا بين يدي نجواكم صدقات فإذ لم تفعلوا وتاب الله عليكم فأقيموا الصلاة وآتوا الزكاة وأطيعوا الله ورسوله والله خبير بما تعملون