Bank that frigging money, stash it in a matress and get an 8 month generous cushion before ever giving the stuff away. It used to be that a 6 month cushion would suffice, but personal experience showed me that prices and the cost of living can jump 30% overnight. As a matter of fact, save up for 12 months worth. While you're doing that and before you let anyone tell you that 'donating money" will fix you, try donating your time, your goodness and put some goodness into your karma bank. it's just too easy and (IMHO) a cop-out to simply throw money at a charity. take up a cause that stirs your passions. with me it's alternative energy and it has actually become a mission. it's something that no matter what, i feel good about and I begin to feel like my stewardship of the invironment I inhabit isn't a waste of oxygen. for others, there's the big brother program, political activism, helping out with two hands doing physical work for the better of a family, community or region. There are so many causes that are very worthwhile that need help and, especially, young hands and backbones. A hoby can be a way to pass time, but a hobby that includes the betterment of another person or place is special and when you lay your head down at night, you feel like you accomplished something unselfish. The hardest part? it's to be of service to other people in a way that you don't seek recognition and to do it without expectation of some sort of reward. when one thinks about all the people that expect a reward for doing what they should be doing in the first place, it cheapens alot of efforts seen in the community. It is not an easy thing to do: help somebody ibn a selfless way and not tell a single soul about it.....try it and see what I mean.