How charitable are you?

You can hardly walk down any town centre shopping area without being approached by someone asking for money either for a charity, the big issue or maybe a homeless person begging. How do you react? Do you ignore them, smile and say no, or do you give them some money?

     At this time of year we also get a lot of letters from various charities asking for donations, some of them enclose a pen or Xmas cards so that you feel obliged to send some money.

     What do you do?