How to balance morality and practicality?

Definitions:
Morality: the ethical standards that you believe in, based on your religion, philosophical outlook on life, etc.

Practicality: does what you do achieve desired results that are favorable to you (assume that you like pleasure and dislike pain)

Details:
The two can be in harmony. However, the two are sometimes in conflict. Helping someone in need could delay you. Kindness might be met with abusiveness and manipulation (i.e. the other guy keeps using you, thinking you are a pushover). Then, there are cases where you might have to choose between the lesser of two evils.

So, I’m just wondering, how do you balance your personal morality with the practicality of your actions?