The Rishonim disagree about whether a person can obligate himself to give a certain sum to tzedakah by simply thinking that he will do so. Even according to the stringent opinion, one is only obligated if he firmly decides to give--not if he considers giving as a fleeting thought. In addition, if one made a condition in his mind that he will only be obligated if he declares his intention through speech, he is not obligated until he articulates his intention. Rema rules according to the stringent opinion.
[משנ"ב תרצד, ו, ושעה"צ ח; ביאורים ומוספים דרשו, 22]
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