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4 Charities For Thanksgiving

By Frugaling 5 Comments

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Thanksgiving Dinner
Thanksgiving dinner. Photo credit: Satya Murthy/Flickr

Thanksgiving is four days away! It’s a time for unusual abundance and tradition, with food nearly spilling off the sides of tables and soon-to-be ballooning stomachs. Yes, we Americans are fantastic at recognizing those we care about on this national holiday.

There’s a special energy around this day, as it tells us to be thankful for what we have and share with others. These are the most humble, honorable thoughts you can have, and they directly affect everyone around us. It’s kindergarten all over again — share your toys and candies. But we needn’t make this a brief aside in our otherwise short and busy lives.

This day can inspire us to act, change, and provide for those who need help most. Last year I wrote about 3 charities you should consider supporting in this day of thanks. I have a brand new list this year!

The following are 4 charities for Thanksgiving that I’ll be donating to:

1. Doctors Without Borders

A couple years ago I watched a brilliant documentary entitled Living in Emergency. This soul-crushing film captured the difficult and dangerous world of war-torn countries. And there are a select few helpers — non-violent humanitarians — that run towards these struggles and help the suffering people of these countries.

Doctors Without Borders has a history of exceptional success and medical advocacy for those most in need — internationally. They are mostly active in African states and failed nations, and I’m happy to be supporting this organization this year.

Donate here: http://www.doctorswithoutborders.org/

2. Wounded Warrior Project

I have had the fortunate opportunity to work with a deluge of veterans recently. I’m immensely honored by their service and dedication. There are various organizations and charities that provide support, but none has reached vets quite like the Wounded Warrior Project.

The WWP aims to help vets return to civilian life by approaching solutions that are both education-related and emotionally supportive. This strikes a powerful balance that’s necessary to help vets recover. We owe it to these heroes that served — regardless of the political turmoil that surrounded the decisions to put these men and women in harms way.

Donate here: http://www.woundedwarriorproject.org/

3. The Always Remember Never Surrender Endowment

About four to five years ago, I was deeply affected by suicide. A resident of mine in a college residence hall died by suicide, and I have been forever changed by this event.

To honor this man’s life and provide an outlet for suicide prevention, I created the Always Remember Never Surrender Scholarship Endowment. Now, around 4 years into fundraising and giving, the endowment has raised nearly $35,000. Each year, that money goes to undergraduate students looking to reduce stigma, create research, and/or provide services for those suffering from thoughts of suicide.

Donate here: https://advancing.colostate.edu/ARNS

4. Shelter House of Iowa City

This year I’m working in a homeless shelter for my counseling psychology doctoral degree. Before this experience, I thought I understood the “facts” about homelessness. I thought I was understanding and empathetic to the plight of those with less. But being here, seeing their faces, and hearing their stories, I’ve been activated more than ever.

We need to make more of a fuss about how we treat those with the least. We need to stand up for them and support their educations, basic shelter needs, and respect the diversity of mental health functioning within this population. Shelter House provides a wealth of services to the homeless in my community, and I’m happy to be able to donate to help them this year.

Donate here: http://www.shelterhouseiowa.org/want-to-donate/financial-contributions.aspx

Filed Under: Save Money Tagged With: Charity, donate, Giving, Holiday, scholarship, Thanksgiving

What’s Motivating Me To Save?

By Frugaling 11 Comments

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Hamster Wheel
Photo: Dan Derrett/Flickr

Most days I live a chaste life. If they created a reality TV show of my life, it would be cancelled before the air date. Hell, the film crew would probably fall asleep in production. It’s a simple, hamster wheel existence that consists of getting up, making breakfast, reading for hours, working, and repeating that all the next day. The bummer is I want more than this.

Over the last few weeks of summer, as I’ve been on my constant rinse and repeat cycle, a growing desire to travel has crept up. More than travel, it’s a desire for more adventure. But then there’s my life and reality.

Being a 25-year-old doctoral student is a lesson in delayed gratification — working hard now to find enjoyable work and a reasonable paycheck later in life. Like many times before, on this frugal journey, I look at my budget. The numbers don’t add up. I can’t spend the money to travel to England, France, or visit Montreal. I just don’t have it, as I would need to take out student loans again to support the travel. That’s unacceptable to me. The psychological burden of student loans was too great and the interest rate of 6.8% is punitive.

I’m struggling to see the path and reason for my frugality. It’s here that I introspect, “What’s motivating me to save money and avoid more student loans?” There are both great opportunities and real challenges that create this defensive personal finance stance.

One of the biggest motivators is fear. Constant rises in income inequality, climate change, and a political environment that is skewed to the wealthiest are frightening me. If you’re not part of the bourgeois, you’ll likely be fighting, clawing, and begging your way out of lower income categories over the next few decades. Knowing that the foreseeable future will likely include environmental refugees (e.g., economists and researchers have increasingly theorized that the Syrian civil war was motivated by drought and the Pentagon has suggested that climate change may be a global threat) and massive changes in employment possibilities (I have no idea where or when I’ll be hired when I finally graduate), I’m eager to sock away some cash. Accurate or not, these are the challenges that drive me to save.

On the flip side, I’m motivated to save for a number of fun, experiential opportunities. I want to travel the world, develop a fluency in a foreign language (if I still have the brain power at that point in my life), give to the scholarship I started at Colorado State University, and develop a thriving practice as a counseling psychologist. These will all require a steady and safe savings. More importantly, they’re all worth the delayed gratification and relative banality of my life right now for more later on.

It’s with this yin-yang relationship — balanced — that I’m forgoing the travel now to live a better life later on. Until then, I’m diving into a good book and pretending to travel to faraway places and positions — loving every minute of the dream and working my butt off to make that happen.

Filed Under: Save Money Tagged With: Budget, climate change, Giving, Income Inequality, saving money, scholarship, Student Loans, Travel

How To Fundraise $25000 In 12 Months

By Frugaling 4 Comments

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Sam Lustgarten Always Remember Speech

In search of hope amidst great pain

To save money on housing and food, I decided to become a resident assistant as an undergraduate student. That decision put me on a collision course with residents dealing with serious mental health concerns. The transition to college was always different — some people eased right into it and others struggled.

I loved my residents, and thought we had an incredible academic year. It was April when everything changed. A resident died by suicide. As one of the first responders to the scene, the visuals caused an aching, grinding weight over my chest. Over the course of the next six months, two more people in my life would die by suicide.

It shattered me. There were many days in which getting up was a trial. I’d leave classes early to go into a bathroom and cry. I remember feeling lonely and isolated in my pain. It took that heartache and tragedy to find hope for something better.

Always Remember Fundraise Plan
Part of my proposal to administrators.

Finding, honing an inspiration

I was desperate for action. Then, a flash of energy hit me in one sleepless night nearly a year after the first suicide. I wanted to start a scholarship to fund undergraduate students who wanted to pursue suicide prevention and/or work with those suffering from severe mental health concerns.

Over the course of the next month, I created a proposal for the university and told them how I would fund an endowment (a self-supporting — through interest — scholarship). I explained that I had been talking to friends and family. Altogether, we could scrounge up about $2,000 to start.

They told me I could try, but I’d need to fundraise $25,000 within 5 years.

I said, “Deal.”

Make the first donation

When I started the scholarship I had about $500 in my bank account. I had few assets. Still, I sold everything I could and donated a couple hundred dollars to start the scholarship. It was less than 1% of what I’d need to raise, and it hurt to give that much (especially since I’d need to take out student loans soon after that). No financial advisor would say it was wise.

I had to give everything I could. My head and heart were sucked into this powerful idea — hope through tragedy. I don’t regret giving as much as I did then or over the years. It fueled my passion to seek donors and encourage others to join me.

Realize your connection to community

With almost every cause, there’s a community of support behind it. I realized I wasn’t alone in my distress and desire to make an impact. In fact, the community around my alma mater was incredibly supportive. They were eager to make a difference, as well. They had been affected by this issue.

I heard stories about lost loved ones — brothers, sisters, fathers, mothers, children. It hurt to hear the stories, but I only grew more connected to those around me. Eventually, students at a local high school started fundraising for the scholarship. It brings tears to just think about how meaningful that felt. A cynical part of me died when others began to donate. I didn’t know if anyone would support the cause.

Inspire yourself and others

Suicide Prevention Fundraiser
Group of supporters spent a day in the plaza providing information about the scholarship and suicide prevention.

The $2,000 wasn’t enough, and I felt a pressure to make this happen. I told everyone about the scholarship. Donations began to trickle into the scholarship account.

I shared on Facebook and Twitter — all over social media. Each time led to others sharing. The positive feedback was unmatched in my life. It felt amazing to be channeling such a dark period in my life.

Others were inspiring, pushing me to continue. Likewise, I seemed to inspire others. This shared, symbiotic relationship appeared to benefit everyone. My energy, which had long been depressed and negative, shifted.

That first summer, a massive, $5,000 donation was made. The idea of a scholarship to prevent suicide and provide awareness to this issue struck a chord with many who were affected in the community.

Throw away modesty, seek media attention

This is the trickiest part for some people. Seeking attention is something that society generally says is inappropriate. Unfortunately, far too many people think media will just come to you when they’re ready. I threw that lesson away as fast as I could.

Seek out media outlets! Talk to local papers, zines, and websites about your story and propose times for interviews. This has a tremendous snowball effect to getting donations and finding supporters. Media can be your best friend. You never know, you might just get the biggest paper in your state covering the scholarship and linking to it.

Endowed status!

After about 12 months — the fastest a scholarship has ever been fully endowed in the college — over $25,000 was raised. Whatever you’re looking to fundraise for, know that you can. Follow your passion, link others, connect with a community, give until it hurts, and seek some old fashioned media attention. You can do this.

If you would like to donate to the Always Remember Never Surrender suicide prevention scholarship I founded, head on over to: https://advancing.colostate.edu/arns

Filed Under: Make Money Tagged With: college, endowment, graduate school, scholarship, school, Student Loans, university

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