We can hear the familiar sound of the Salvation Army bell ringer as we enter department stores and shopping malls. Offices, local businesses and radio stations hold coat and warm clothing drives. Selecting a cause, deciding how much to donate, and figuring out how to make the donation can be overwhelming. With only so many dollars to go around, we have to ensure that we’re giving only what we can truly afford during a time of year when there are many pressures on paychecks.
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