Char needs money to make a living (5,5)
I believe the answer is:
daily bread
'a living' is the definition.
(thesaurus)
'char needs money' is the wordplay.
'char' becomes 'daily' (I've seen this before).
'needs' is a charade indicator (letters next to each other).
'money' becomes 'bread' (bread is a kind of money).
'daily'+'bread'='DAILY BREAD'
'to make' acts as a link.
(Other definitions for daily bread that I've seen before include "required for one's living" , "Livelihood" , "basic needs" .)