Having created a list of charities to support, it’s time to start contributing. A few things to consider:

Timing your contributions – consider July
Our family likes to make charitable contributions in the summer for two reasons. One, the deluge of December donation requests all go into the recycling bin. We’ve already made our contributions for the year, so don’t consider new requests.

Secondly, it’s easier on our cash flow. Like many people, we fund our 401(k) in the first quarter, pay taxes in April, then start buying for Christmas in the fall. We make our contributions in July to smooth out our monthly cash flows. 

How you contribute – check or credit card
Charities strongly prefer that you contribute by check because it saves them the 3% credit card processing fee - money which could have been spent on their programs. On the other hand, you may get frequent flyer miles for charging your donation on a credit card. Just something to consider.

Make a long-term commitment
Your selected charities want to count on your dollars coming in for a long time. Stick with your charities year-in and year-out unless they no longer meet your carefully thought out charitable goals or ideal not-for-profit characteristics.

Be consistent in your giving
When charities draw up their budgets they’re planning on you giving at least the same amount you gave the year before. Try to keep your contributions at the same level, or increase them, over time.

Say no to charities not on your list
When you’re approached by co-workers, family, or friends to give to their favorite charities, if their pet causes don’t squarely meet your criteria, just say no. Explain how you’ve decided on the charities you support. Or make a small contribution ($10 or $25) to keep the peace.

Ask to be removed from mailing lists
Finally, ask those charities you don’t give to, which repeatedly send you mailings, to take you off their mailing lists. You’ll save them money while cutting down on your junk mail.