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Answer:
A. "Charity begins at home" simply means that one's first responsibility is for the needs of one's own family and friends.
B. "Kindness is a gift that everyone can afford to give" and that’s true. All that it requires is nothing but to own an intention and you are sure to succeed in the long run of life.
Know that you do not require to spend anything in order to be able to behave with someone with a kind heart. You do not have to count any other thing in order to behave politely and be kind to someone.
Hope it helps :)