Three things

Here are 3

Pick one. Each takes about as long as it says.

• Pay the small invoice the day it arrives

  Late payment is the main reason small suppliers fail. Paying on receipt costs you nothing and can matter enormously.

  5 minutesFreeA stranger

• Turn the one-off donation into a standing order

  Charities can plan against regular income and cannot plan against appeals. Five pounds monthly beats sixty at Christmas.

  5 minutesMore than $10A stranger

• Offer to put it in writing

  Spoken instructions vanish. For anyone with hearing loss, dyslexia or brain fog they may not have landed at all.

  5 minutesFreeA stranger