[bobdvb]

Agreed, I give occasionally when I am feeling generous and regularly to certain charities. But I also demand a certain value from the charities I donate to, I chastise any charity that sends me paper mailings because they are wasting my money and not heeding my wishes.

As to the OP's posting about waiting vs donating currently. Remember there is no time like the present and perhaps it needs to be thought of like loosing weight, you can always put it off but a little of what is good for you each day is sustaining.

Plus, loosing a small percentage of your income probably won't make you any richer, but it might make someone else's life much better. A little money can save someone's life, can the same be said for what is 'waiting' in your pocket?