Qitzur Shulchan Arukh – 67:3

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ג: צָרִיךְ לִזָּהֵר שֶׁלֹּא יִדֹּוֹר שׁוּם דָּבָר. וַאֲפִלּו לִצְדָקָה אֵין טוֹב לִדֹּוֹר, אֶלָּא אִם יֵשׁ לוֹ בְּיָדוֹ מַה שֶּׁהוּא רוֹצֶה לִתֵּן, יִתֵּן מִיָּד. וְאִם אֵין לוֹ, יַמְתִּין עַד שֶׁיִּהְיֶה לוֹ וְיִתֵּן בְּלֹא נֵדֶר. וְאִם פּוֹסְקִים צְדָקָה, וְצָרִיךְ לִפְסוֹק עִמָּהֶם, יֹאמַר בְּפֵרוּשׁ, שֶׁהוּא פּוֹסֵק בְּלִי נֵדֶר. וְכֵן כְּשֶׁמַּזְכִּירִין נְשָׁמוֹת, שֶׁנּוֹדְרִין לִצְדָקָה, יֵשׁ לוֹמַר בְּלִי נֵדֶר)וְעַיֵן לְעֵיל סִימָן ט., אִם הוּא בְּעֵת צָרָה, מֻתָּר לוֹ לִנְדּוֹר

One must be careful not to make a neder about anything [i.e. any object]. Even for tzedaqah it is not good to make a neder. Rather, if he has something in his possession which he wishes to give, he should give it immediately. And if he doesn’t, he should wait until he does have, and give it without a neder. If they [some group] are pledging tzedaqah and he must pledge with them, he should say explicitly that he is pledging without a neder. Similarly when they remember souls [i.e. say Yizkor] that they vow money to tzedaqah, it is appropriate to say “without a neder“.

Also see ahead, se’if 9, that if he is in a time of trouble, he is permitted to make a neder.


“Speak little, and do much.”

The sole exception appears to be when someone needs merit now, and therefore wants to make a commitment in a time of need. And even there Rabbi Ganzfried says “permitted”, not “laudable”.

And your thoughts...?