sure, building homes, helping field workers in disaster area, visiting orphans and the terminally ill, they are nice but that's for people who have a lot more time than me.
i need to taking care of my own business first before i can help others.
i'm better at making money, so i might as well make lots of money first and then donate some of it. (look at warren buffett and bill gates)
i will do it, just not today. as soon as i finish this... and that...
so, in the mean time, i'll just donate a little money. which is nice, of course. and all these are surely valid reasons too.
but is it too much to ask to get up from your armchair once a month? once a season? once a year? perhaps you can start by figuring out where you want to start?