First, choose a charity that you really care about. Of course, I recommend giving to Zion Lutheran Buffalo. But, if giving to an organization outside the Lutheran church, before making any donations, spend a few minutes looking up the nonprofit on watchdog sites such as Charity Navigator, or CharityWatch. These sites rate nonprofits and allow you to find out more about the organization and how donations are spent. Does your household prepare a monthly budget? If so you’re in an