The spirit of the holidays make this the season for giving.

Unfortunately, with so many people tightening their belts, charitable donations are down.

The timing couldn't be worse. Thanks to record unemployment, shattered nest eggs and the ongoing recession, the need for help is greater than ever.

25 million people rely on food banks each year. Food banks nationwide report a 30-150% increase in demand.

We understand that times are tight, but rather than cut back on what you donate to charity, let us show you ways that you can help without breaking your family budget. Some of these ideas won't cost you a dime and can do a world of good!

Next: Choosing a Charity