After you've busted your ass saving your dollars, it's good to give a little back, too. A great place to donate money in any increment (seriously, even just $20) is Modest Needs. The goal of Modest Needs is to stop poverty before it begins by helping those in need avoid the slippery slope of going broke. You see who your money is going to, and for what. (For example, a new bathtub, or hospital bill.) And Modest Needs is totally legit, earning the highest possible charity ratings from both Charity Navigator and the Better Business Bureau's Wise Giving Alliance. Even if you're just giving to feel better about yourself, do it!