When people perceive their budgets to be tight, one of the first discretionary spending items they cut back on or eliminate are donations to charity. We often feel the need to help ourselves before we help others. Consider that your favorite non-profit organizations likely needs its supporters now more than ever. If the funds you might normally contribute are not available, consider donating your time and talent instead. Service to others can be a life affirming process. Many people get more gratification from their volunteer efforts than they get from their "regular" jobs. At a time when many are feeling down on their luck, try to make more time to help those in need. You will be glad you did.