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Checking Out Charities

10/21/2020 - Financial Wellness & Life Planning, WesBanco Wellness Series

WesBanco Wellness: A Series for your Financial Health

Welcome to WesBanco Wellness; a Series for Your Financial Health. Here we will tackle budgeting, debts, safe web practices and more to help get you into the best financial shape of your life.

Many people associate giving with charity, and donating money to help those who are in need. You can also make donations to organizations that support causes that you believe in. There are other kinds of giving as well. For example, you can donate things that you’ve outgrown or replaced. You can also volunteer your time and special skills and talents.


Donating to COVID Relief

There are many ways to make an impact during the coronavirus pandemic. Donating to nonprofits and response organizations is one option if you have the means to do so. But you can also volunteer for organizations that are providing services in your community (like meal delivery, food pantries, and more)—make sure the organization is doing what they can to keep volunteers safe. Also, with the new CDC guidelines, many individuals in your community may need face masks. If you know how to sew face masks, now is the time to do so!


The point of philanthropy, or charitable giving, is not necessarily how much you give. Even small donations can add up to make a big difference. Philanthropy is really about recognizing that others can use your help and then donating what you can to make things better. The good feeling that comes from helping is why many people believe that giving is better, and more rewarding, than receiving.

Why People Give

There are many reasons why people give. It may simply be a desire to help others or share their good fortune with them. Or it may be a desire “to give back” to a community, school, or organization that contributed to their success.

Other people believe strongly in a cause, like protecting wildlife, preserving the environment or restoring a community, and they donate time and money to see the cause succeed. Or they may have a very personal reason for giving to an organization that shares their concern, such as stopping unsafe driving or using renewable energy.

How People Give

Celebrities hold benefit concerts and events to raise money for the victims of disasters, such as earthquakes, typhoons, and floods. People attend special dinners and galas to raise money for foundations that research cures for diseases like cancer and diabetes. And some people give a fixed amount of their income, sometimes as much as 10% or more, to the religion of their choice.

Some wealthy people give money to build things that benefit specific communities or society as a whole. For example, they may donate money to build a new hospital wing, community center, or library. Or they may provide scholarships for students going to college.

While you may not have the money to give as much as these major benefactors—the people who support major causes and institutions—you can give in more ways than you think.

Budgeting for Charity

Just as you budget for things you need and want, you can set aside a portion of your income to donate to charity. You can decide how much that should be, depending on your other expenses and how strongly you feel about giving. If you earmark some of your income for charity when creating your budget, you’re more likely to have the money available to make your donation.

You might have several different charities that you would like to give to. Here’s where budgeting can also help. Think of charity as a short-term but ongoing goal. By planning how much you would like to donate to each charity, you’ll know how much you’ll need to save as part of your weekly or monthly budget.

Checking Up on Charities

There are many worthwhile charities to which you might give time or money. But there are also people who claim to represent charities but really don’t. They collect money only to enrich themselves, not to benefit others.

If someone asks you to donate money—in person, by phone, or online—take a closer look before you give. You might go to the organization’s website or see what you can find out by typing the charity’s name into a search engine. You can also check to see a list of recognized charities that you can trust to use your donation for the right purpose.

If someone asks you to donate money—in person, by phone, or online—take a closer look before you give.

Give Away or Throw Away

Money isn’t the only thing you can donate. Some charities specialize in collecting items that you’re planning to throw out but are still in useable condition.

For example, there are charities that collect coats and other clothing for those in need. You might donate a jacket that you’ve outgrown, or shoes that you hardly wore. Other organizations collect used electronic devices, such as phones and computers, which they repair and distribute to people who can’t afford them or donate to training programs.

There are neighborhood thrift shops that accept many different items, including books, CDs, and toys. These shops typically give a percentage of the money they earn to charitable organizations, such as food banks, shelters, or other community groups.


Besides giving money, you can contribute to charity by volunteering, or giving your time. Many charities have small staffs and depend on volunteers to deliver their services and fulfill their mission.

You might volunteer to work in a food or clothing drive to help out the victims of a fire or flood. Or you might volunteer to make a cake for a local bake sale or wash cars to raise money for a school event. During weekends and holidays, you might also volunteer your time in a soup kitchen or at institutions that provide meals for those who would otherwise go hungry.

You can also volunteer to read to children or senior citizens in community centers or libraries, or to contribute your time to programs sponsored by other neighborhood organizations.

Content is for informational purposes only and is not intended to provide legal or financial advice. The views and opinions expressed do not necessarily represent the views and opinions of WesBanco.

While we hope you find this content useful, it is only intended to serve as a starting point. Your next step is to speak with a qualified, licensed professional who can provide advice tailored to your individual circumstances. Nothing in this article, nor in any associated resources, should be construed as financial or legal advice. Furthermore, while we have made good faith efforts to ensure that the information presented was correct as of the date the content was prepared, we are unable to guarantee that it remains accurate today.

Neither Banzai nor its sponsoring partners make any warranties or representations as to the accuracy, applicability, completeness, or suitability for any particular purpose of the information contained herein. Banzai and its sponsoring partners expressly disclaim any liability arising from the use or misuse of these materials and, by visiting this site, you agree to release Banzai and its sponsoring partners from any such liability. Do not rely upon the information provided in this content when making decisions regarding financial or legal matters without first consulting with a qualified, licensed professional.

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