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How to Factor Charitable Giving into Your Budget

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Making a charitable donation might not always feel easy, especially if you have a small salary, a tight budget, or a fluctuating income. As a result, you might often feel guilty for not contributing to a worthy cause that’s close to your heart and might be eager to make a positive difference. If so, a few tweaks to your cash flow could help you make routine donations to one or more charities. Find out how you can factor charitable giving into your budget.

Review Your Monthly Budget

Review your monthly budget before donating money to charity, as it should always be financially feasible for you. For this reason, you must compare your income against your outgoings to ensure all your basic needs can be met each month. It will ensure you aren’t forced to dip into your savings or enter debt to support a charitable cause.

Start Small

Once you know exactly how much money you have to spare, choose a specific sum to donate each month. If money is tight, feel free to start small, as every little helps a charitable cause. A small sum might not seem much, but the figure will add up throughout the years, allowing an organisation to help people in need of its support.

Learn About a Charity

You’re more likely to donate money to charity if you understand how it will benefit others. So, why donate to charity? There are many reasons to consider giving money to a good cause, such as making a positive difference in people’s lives, supporting a community, strengthening your values, and feeling good helping others. Set time aside to learn more about what a charity does and the tangible impact it will have on people’s lives. You will feel more passionate about helping an organisation achieve its goals, ensuring you don’t think twice about incorporating a donation into your monthly budget.

Donate Non-Cash Items

If you have little or no money to donate to a charitable organisation each month, consider donating non-cash items to a worthy cause. For example, some charities are more than happy to turn your clutter into donations, as they can recycle or give away your broken or unwanted belongings. Also, you could leave a gift in your will, host a charity fundraiser, or even donate an old car sitting in your driveway, to name a few options.


Charitable giving doesn’t need to drain your bank balance. The key is to review your monthly budget to determine how much money you feel comfortable donating to a good cause each month. Even a small monthly donation can make a huge difference to an organisation’s efforts throughout the years. Also, you’ll be happier to part with your money if you know what a charity does, who it helps, and the benefits it will bring to a community. If you can’t donate money each month, you could find ways to help a charity generate much-needed funds, which may include organising a fundraiser at work, leaving a gift in your will, or donating unwanted belongings.

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Elisabeth Sedgwick

Written by Elisabeth Sedgwick

Elisabeth Sedgwick studied Creative Writing and Media at Edge Hill University. She’s spent the past 14 years in digital marketing, producing engaging content for various industries. As a proud mum, she enjoys writing about family, health, and self-improvement.

Read more posts by Elisabeth Sedgwick

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