And they give food in spite of love for it to the needy, the orphan, and the captive (Qur'an 76:8)
I remember your recent doubt about Qur'an 17:26 here.
Verily, your belief that Allah will help is true. Allah never lets believers' deeds wash away. But, he may or may not help you in this worldly life, but he will definitely help in the hereafter FOR SURE.
Whoever desires the harvest of the Hereafter - We increase for him in his harvest. And whoever desires the harvest of this world - We give him thereof, but there is not for him in the Hereafter any share. (Qur'an 42:20)
And the likeness of those who spend their wealth seeking Allah's Pleasure while they in their own selves are sure and certain that Allah will reward them (for their spending in His Cause), is the likeness of a garden on a height; heavy rain falls on it and it doubles its yield of harvest. And if it does not receive heavy rain, light rain suffices it. And Allah is All-Seer of (knows well) what you do. (Qur'an 2:265)
Finally, the most important verse for you and your case especially,
They ask you, [O Muhammad], what they should spend. Say, "Whatever you spend of good is [to be] for parents and relatives and orphans and the needy and the traveler. And whatever you do of good - indeed, Allah is Knowing of it." (Qur'an 2:215)
I would prefer to go in the order as described in the verse.
BEWARE:
The Evil one(shaitan) threatens you with poverty and bids you to conduct unseemly. Allah promiseth you His forgiveness and bounties. And Allah careth for all and He knoweth all things. (Qur'an 2:268)
There are many things, which go wrong when one is poor. They might force themselves to do any evil thing, and the best part is, "THEY CONVINCE THEMSELVES THEY'RE NOT WRONG" and try to justify their deeds somehow. Few examples of evil things which one does during poverty are - Stealing, Lying, Taking Loans paying interest, other immoral behavior etc.
Now it feels like, it is better not to remain poor.
Anyways, make sure the money you donate to Mosques are utilized wisely like - Mosques sometimes do unnecessary decorations and WASTE A LOT OF MONEY. You are investing your valuable money for returns in the hereafter, but you need to make sure you invest the money at right places to get maximum benefits. Don't invest without proper market research.
You can also think for the trade off between a "New mosque at a different place where it is really needed" vs "expanding an existing mosque if really needed". Can a Muslim association ask for donations to build a mosque?
So, if at all you want to rethink or find some alternatives, then I would like you to know there are a number of poor Muslims(Al-Miskin - The Miser) out there across the globe who accept donations online.
Again to remind you, there is no compulsion on you to donate, when you can't afford to give out Zakah. You would also like to think about buying a pair of shoes to your family member if his/her shoes are worn out(just an example), or save a decent amount for tomorrow, or get/give a quality education(may include Islamic education) for yourself/your family member for their better future etc.
Or, is there any alter way to get same reward? that will give me psychological relief too..
There is this book in the market which is a cook book of life hacks, best novel with interesting true stories aggregated, more than 800 million copies sold(hey you only pay for the paper) authored by none other than the creator himself. That famous book is called 'Qur'an'. You asked, I gave my opinion. If I'm given a wish, then I would definitely wish for 3 wishes and my wishes would never end. So, if I start writing all the ways you can get that psychological relief, it would never end. So, I just mentioned you the source(like the first wish).
May the creator guide us all.
