How much is enough? Photo: Nora Tam

Ask Melanie: Why you should afford to be charitable

We would like our family budget to include giving to charities. How should we incorporate this?

Giving is often spontaneous. Things happen over the course of a year that tug at the heart strings and loosen the purse strings. This is as it should be but you can also approach gift giving in the context of your wider financial objectives, so as not to compromise family goals.