Overview

Your laudable sense of generosity is way out of balance with the minimal contents of your wallet, so it might be time to start saying 'no' to all those folks who keep coming to you for loans. Buying someone lunch every once in a while is fine, but you should stop handing out money to people in need -- at least for the time being. Think about what you can do for someone rather than what you can give them -- it's a much more meaningful type of giving. Your efforts will go farther than a few dollars ever could.