19. Give time, not money.
Don't be in such a rush to add "philanthropist" to your résumé. Let Bill Gates handle that. Although the break dancing kids on the train consistently amaze you with their lockin' skills, you can't give them a dollar every time they somersault off the center pole; you see them 10 times a week. That's a value meal. When you hear the "What time is it?" call, just move to the other train car as to not be tempted to donate when their hats are placed in your face. Until you can factor daily donations into your budget, help folks out by volunteering and donating your time. Time is money, so don't fret, you're still on your way to sainthood.