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I need some advice...

My 7-year-old daughter a weekly allowance, and 20% of it she needs to save for charity. My husband and I told her she can decide what charity she wants to give it to. She's amassed about $15-$20.

Where we live, there are many street corners where people stand with signs asking for money. When I see these people, I feel guilty, because one part of me wants to give money and the other part says, "No way! They'll just spend it on booze/cigs/drugs!" (So I donate to a homeless shelter yearly, but that's beside the point...)

My daughter told me yesterday that she wants to give her charity money to a man who stands on a corner near her school. I made noncommittal noises, thinking, "What do I say?!?" What's going through my mind is:

* I don't want my daughter's money funding booze/cigs/drugs.
* BUT maybe it's a person who really needs money for food.
* Maybe she could donate to the homeless shelter.
* BUT I think she likes the idea of personally handing her money to someone who needs it.

What would you all tell her?
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