Charitable Giving Information

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Charitable Giving Software

Everyone spends his or her money differently. While one person may find eating out a necessity, another prefers to put a little extra aside for faraway vacations. How you ultimately spend your paycheck is up to you. However, when applying for a mortgage, or other large loan, you financial institution will be looking at some important spending ratios to determine if you qualify. It’s important to try and stay within these limits on certain spending items. Check with your particular lender for limits.

According to the U.S. Bureau of Labor Statistics Consumer Spending Survey, most American consumers spend the following amounts on the following items:

Food: 14.1%
-At home: 7.7%
-Away from home: 5.4%
-Alcoholic beverages: 1.0%

Housing: 32.9%
-This includes mortgage/rent; utilities; insurances and upkeep/maintenance.

Transportation: 19.1%
-Vehicles: 9.1%
-Gasoline: 3.3% (In 2003)
-Insurance: 6.7%

Apparel and Services: 4.0%
-The cost of new clothes, dry cleaning expenses, etc.

Healthcare: 5.9%
-Doctors, dentists, eyewear expenses; over-the-counter-medications, medical co-pays and deductibles. This does not include healthcare premiums.

Entertainment: 5.0%
-Movies, outings, vacations.

Personal Care products and Services1: 1.3%
-Haircuts, salon fees, etc.

Reading: 0.3%
-Magazine subscriptions, books, etc.

Education: 1.9%

Tobacco Products: 0.7%

Miscellaneous: 1.5%

Cash Contributions: 3.4%
-Religious tithes, charitable contributions, etc.

Personal Insurances and Pensions: 9.9%
-Health insurance premiums, 401K contributions, life insurance, disability insurance, etc.

Every family’s expenditures will be different. However, if you notice one of your own spending accounts in excess of these national statistics, it may be time to reevaluate why you are spending so much in a particular area.

Some areas that may be cut, according to most financial experts include:

Transportation: if your transportation (car) costs are much higher than the 19.1% national average, the odds are you own too much car for your budget. Try downsizing to a less expensive vehicle. You’ll not only save on monthly loan payments, but also on insurance premiums, upkeep and gas.

Miscellaneous accounts can be a budget killer for many. This is where we spend on the most frivolous items: morning coffee; specialty items; expensive gifts; etc. Try and keep this percentage under 1.5%, warn experts.

Entertainment can be a budget buster for some. While the average percentage is 5% f your annual bring-home salary, that amount can be excessive, especially for higher wage earners. This is an easy area to bring down expenses. While it’s fun to g out every weekend with friends and pick up the tab, try staying at home or having a quieter, more low-key (and less expensive), get-together with friends instead.

Food. Most Americans spend more than 14% of their monthly income on food – regardless of their family size! Considering that more than half of that amount is spent eating out at restaurants and fast food joints, it ma be time to hit the grocery store and eat at home in order to save a bundle at the checkout.

Saving money doesn’t have to be difficult. Taking the time to see where the money waste in your household is spent can be a great way to streamline expenses and learn to save.

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Source – Personal Finance – What Does The Money Get Spent On

The Gift of Love – very unique and painless charitable giving program

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Best Charities In Nyc

Question: Which haircut is best for me?

I have a round/oval face. I was wondering which of these two haircuts is best for me. Other suggestions are appreciated also, but I’d like to keep my hair long because next summer I’m cutting it and donating it to charity.

Thanks

Here is the first one:

http://www.thehollywoodgossip.com/images/gallery/a-selena-smooch_305×486.jpg

http://cm1.dotspotter.com/media/0/84/82/selena-gomez-wall-e.0.0.0×0.451×600.jpeg

http://www.juniorcelebs.com/wp-content/uploads/2008/07/selena-gomez-nyc-nc.jpg

And here is the second one:

Answer: well they are both pretty similar but i would say to get the second on if you want more volume in your hair because the layers are cut closer to the crown and the 1st one if you want less volume. but they are pretty similar. if i were getting my haircut i would choose the first one just because i like the way it would fall on my face shape and i have the same kind of face shape as you.

Jabbawockeez at Sichuan Earthquake Charity Event in NYC (2)

Charity Organizations For Children

Question: How to contact a charity organization to make donations in a childs name…?

My daughters first birthday is comming up soon. My husband and I both have huge families that plan to attend the party..however, our family is blessed with plenty and we would like to ask the guests to bring a small donation , instaed of a gift, so we could donate it to a chairty in my daughters name, and we can celebrate my daugters birthday with a cake and a good time and know that we have spent our money for a good cause. How do I go about contacting, and finding a chairy to donate to? I would like to donate to something like the ronald macdonald house or something that has to do with helping sick children. Any suggestions would be great.. thanks
p.s. my husband has type one diabetes and if anyone knows of a diabetes charity for children that would be great also..

Answer: Contact the rmh to see how to get started & set it up.

Ronald McDonald House Charities
One Kroc Drive
Oak Brook, IL 60523
Phone: 630-623-7048
Fax: 630-623-7488

Below is also the JDRF (Juv Diabetes) link

Michael Jackson - A True Humanitarian

Christmas Donations For Children

Question: Does anyone know of any organizations that will donate toys for needy children?

I work @ a small sheriff’s office in North GA, and we sponsor a program for less fortunate children @ Christmas time. This year our funds are very low, and I was wondering if there was anyone out there on the web that could help guide me in trying to get donations from some of the larger toy companies or stores.

Answer: Walmart has always been generous to the community they serve.

Christmas: Important Message About The Less Fortunate!

Giving To Charity Statistics

When we think of recycling, the first thing we associate it with is the benefits that this action has upon our environment. If we think about it a little more, we might even consider the economic reasons, and start giving some serious thought to recycling. But there is one other important aspect that many of us have never thought of – the social reasons. In other words, what about recycling for charities? Yes, that’s right. Now you can recycle for charity and help the less fortunate people, while keeping our environment clean.

Many people find it easier to give away used objects rather than donate money. Such objects include used cell phones, inkjet cartridges, toner cartridges, all sorts of wireless objects, and even aluminum cans.

Aluminum is the perfect metal for recycling, for several reasons. First of all, it can be recycled over and over again, and used indefinitely. We are now using approximately two thirds of all the aluminum that has been produced since its discovery, some one hundred and eighty years ago! Secondly, recycling used aluminum cans save a lot of energy, by comparison to producing new ones from virgin ore. A single recycled can saves enough energy as to keep a 100W-bulb running for about four hours! Moreover, we are saving on our natural resources, while protecting our environment.

All this being said, what more reasons do we need for recycle used aluminum cans? If you take into consideration the fact that you’re recycling a used object which is no longer of use to you, and help some unfortunate people in the process, recycling for charities becomes all the more useful and dignifying.

You may consider that your effort doesn’t count for too much, because a used aluminum can is only worth about one cent. You couldn’t be farther from the truth. Statistics say that 2.5 canned beverages are consumed by each employee daily, while at work. Think about what this means at a large scale, and how much money could be raised if you were to start a ‘recycle for charity’ campaign in a company or organization. And the process is as simple as contacting a charitable organization that deals with such things and installing a container on the location. They will take care of all the other aspects of the program.

A recycling for charities program can be started in schools as well, and it you be all the more beneficial, as children can be involved in this fund raising program, and be given a good reason to be responsible and proud of themselves. They will be taught that even children can help in making a difference on the environment and on society.

If you have any questions as to where the money is going when you recycle for charity, you will probably be happy to learn that this money is used exclusively to help the less fortunate people from all over the world.

Remember that recycling for charities makes you and the others environmentally aware, while helping people in need, such as children from poor third-world countries, homeless people, sick people, old people, and many more.

For more resources about Recycle for charities or even about Recycle for charity please review http://www.cansforcharity.org

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For more resources about Recycle for charities or even about Recycle for charity please review http://www.cansforcharity.org

Source – Recycling and Charity

Homeless and Giving Money to them a form of Charity? Compassion? Service? Spiritiual comments