<prompt> Human: I think its interesting to hear what people who are working hard to improve their own finances donate to charity, if anything. For instance, heres a Get Rich Slowly post from last fall with a lot of discussion - answers really run the gamut. So what do you donate, how often and to whom? Would you ever donate to charity if you were in debt and does it matter what kind of debt - for instance, a lot of people who donate to charities probably have mortgages? Does it matter what country youre in? European redditors - is donating common across the pond, or is the assumption that the government does enough?Not here to judge, just interested in getting some opinions.  <response>: Young American checking in. I rent, have no debts, and have a pretty good job.I have an annual financial spreadsheet that takes almost all of my incomescosts into account.1. one cell is for charitable giving and I set it as 10 AGI.1. I tell payroll to direct deposit that amount divided by 24 pay periods per year directly into one of my different savings accounts earmarked for charitable giving.1. This account is never tracked in my net worth calculations.From there I can make lump sum donations at the end of the year to a few non-profits. Or let the balance ride into next year. I have been suckered into subscribing to a couple charities.. Usually I cancel those at the end of the year if they dont align with my donation goals.Advice:If you plan on ever donating, start donating NOW, even if it is a small amount. You want to get in the act of donating, not just paying lip service to your future self. 