As mentioned below, I now have more money. and part of what I was going to do with to save - (I have just a decade before retirement!) and increase my charitable contributions. I had planned to just increase the charities I contribute to now: various Unitarian Universalist, Universalist, and Environmental groups. But I decided to start with a semi-charity Kiva. Kiva is a group that provides loans to loan groups in countries that loan to poor folks who need loans for their business.
the loaner and the loanee make money. Kiva and you (the contributor) don't - although if you are lucky you get your money back. So you can loan it to someone else.
Interest rates can be high (but my credit cards were higher than the one Im loaning to), so not a perfect plan - but seems reasonably fair. Apparently a lot cheaper than the usual loans - and a lot cheaper than the payday loans people here in the USA.
see my link to the right, or go to www.kiva.org
make sure you read their FAQs -
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