My question is this: how do I approach donating money to good causes (friends' marathons, NPR fund drives, projects for teacher friends, etc.) when it feels like my money is not my own? Part of me feels like it's unwise to donate even small amounts of money with such hefty interest rates, but it's certainly not as if I don't spend that money on every other type of purchase (everything from books and gas to happy hour and birthday dinners).
Is there a kind and gentle way for C. to say "Mom, I can't give you any more money?" Are there resources we can suggest to help her develop better spending habits (if it matters, she's in her mid-50's and—thank goodness!—has a generous pension when she retires, so retirement saving isn't a big issue)?