I have always had issues with saving money. I also have had issues with just giving cash out as donations as I have seen many such gestures un-appreciated and wasted.

That is why I donate to kiva.org, you are giving to people who will work for your investment and will return your mony back once they make that money back. What is a better way to start making the world better.

I am close to my first USD1000 lent. By next month i will be there. The 1000 will denote all the blessings i have received over the past year. I am very grateful for those experiences.