I'll pray for you for sure Samurai.
Just remember, that as long as you stay in a state of grace and have the intention to strive to improve, you CANNOT end up in Hell.
If you are giving this much thought and concern to your salvation and state of your soul, you're on the right path. It is those who think nothing is wrong and think there is nothing to improve who are in danger.
Don't think of some grand plan of your life. Take each day, each hour, as it comes. Do your very best as the day progresses. Commend yourself to Our Blessed Mother every morning, consecrate your day to her, beg her for help, and she will not fail you. "Never was it know that anyone who fled to thy protection, implored thy help or sought thy intercession was left unaided." Rest assured in the knowledge that she desires your salvation far more than even you, and place yourself in her hands.
Speak to your priest as well, if you have access to one who you have confidence in. He will be the best to give you advice and help if you need it.
As far as charity is concerned, remember that each person, with their sins and faults, is a child of God and of our Blessed Mother. Try to see each person as a fellow child of Our Lady whom she loves and longs to bring to Heaven and it will be easier. It is something I struggle with myself so I would appreciate your prayers too!