When I’m having a bad day, I like to go to Kiva, find a loan that needs only $25 more, and fund it.

Kiva is a microloan charity: people from developing countries put together a formal loan request. One can give only $25 at a time to the same person (but of course one may have several outstanding loans). As the recipient pays the loan back, the money is redeposited in your Kiva account, which you can use to fund more loand or withdraw.

My first Kiva loan was to a woman in Sumatra who borrowed $1500 to buy a fishing boat. Last month she paid it off. I’m so proud of her.