Time for me to plug my favorite charity
From the FAQ:
Modest Needs is a charitable organization reaching out to the people that conventional philanthropy has forgotten: hard working individuals and families who suddenly find themselves faced with a small, unexpected expense that threatens their ability to remain self-sufficient - the unexpected car repair, the unanticipated visit to the doctor, the unusually large winter heating bill.
At Modest Needs, compassionate persons whose lives have been touched by kindness pass that kindness on to individuals and families struggling to remain self-sufficient despite a temporary financial setback. We do this because we've all been there, and we all believe that no hard-working person should ever be forced to choose, for example, between seeing a doctor and putting food on the table.
Modest Needs is proud to be the one and only licensed charity in North America serving otherwise self-sufficient individuals and families who find themselves in temporary financial distress. Our work has been featured on NBC's Today Show, CNN, CBS' Early Show, NPR's Morning Edition, in People Magazine, USA Today, and in countless other media outlets across the globe.