Entering Makkah without Ihraam

Q: I once performed umrah when I just became baaligh. My grandparents and I entered Makkah without being in Ihraam and also I did not wear proper shoes in Ihraam. However, all of this was done unknowingly, as I had not yet been taught that. Should I still pay a dam and what should one do if one cannot afford a dam?

How to dispose of interest

Q: I have an amount in a savings account and I am getting interest for it. Is it Haraam? I never used it but whenever I receive interest, I used to give
it to poor people what ever I received. Is it accepted in Islam? Will there be any benefit? Is it haraam for the poor people whoever receives interest amount from us?