PER­SONAL AC­COUNT

The Daily Telegraph - Your Money - - MONEY - Marc Sid­well

As Christ­mas ap­proaches, this tax-ef­fi­cient op­tion is an un­der­rated way to give

Cheer up. Brexit may be the worst kind of turkey right now, but Christ­mas is of­fi­cially on its way. Now there are fewer than 40 shop­ping days to go, some will be ea­ger to get a head start on their present buy­ing, but it’s also the per­fect mo­ment to stand back, re­mem­ber the spirit of the sea­son and start plan­ning how you will give to char­ity.

Just as you wouldn’t make an in­vest­ment de­ci­sion with­out proper con­sid­er­a­tion, do­na­tions of your hard-earned money shouldn’t be made lightly ei­ther. Giv­ing well is just as im­por­tant as sav­ing and in­vest­ing well.

Of course, re­search­ing char­i­ties and look­ing into ap­proaches to giv­ing can be time con­sum­ing. If you need to save time, you might con­sider join­ing this year’s

Christ­mas Char­ity Ap­peal. Our lat­est an­nual ap­peal, launched this week, con­tin­ues a proud, three-decade-long tra­di­tion in which we iden­tify causes that de­serve your sup­port. Over the past 28 years the Christ­mas ap­peal has raised tens of mil­lions of pounds for 84 care­fully cho­sen char­i­ties. Last year alone, you helped us raise more than half a mil­lion pounds.

For 2018 we have cho­sen char­i­ties con­cerned with men­tal health, one of the big­gest topics of the year.

Chang­ing Faces, which of­fers ad­vice and sup­port for peo­ple with vis­i­ble dif­fer­ences, is Bri­tain’s lead­ing char­ity for ev­ery­one with a mark, scar or con­di­tion that makes them look dif­fer­ent.

The Fire Fight­ers Char­ity, which is cel­e­brat­ing its 75th an­niver­sary, of­fers psy­cho­log­i­cal sup­port to firefighters af­ter ma­jor in­ci­dents, such as the Gren­fell Tower dis­as­ter.

And Young Minds pro­vides sup­port ser­vices to par­ents and car­ers to help pre­vent young peo­ple com­ing to harm. Its free helpline for par­ents takes about 1,100 calls ev­ery month from peo­ple con­cerned about the men­tal health of their chil­dren.

To donate to the Christ­mas ap­peal, you can call 0151 284 1927 or give on­line at tele­graph. ct­do­nate.org.

On Sun­day Dec 2, the will be host­ing its tra­di­tional phonein day, giv­ing donors a chance to call in and speak with a mem­ber of staff – in­clud­ing some of our best-known con­trib­u­tors. In the past, those tak­ing tele­phone do­na­tions from read­ers have in­cluded car­toon­ist Matt Pritch­ett, colum­nist Al­li­son Pear­son and writer Bry­ony Gor­don. You might even en­counter a Tele­graph Money writer.

Make the tax­man donate too . . .

Ac­tor Ja­son Watkins with the Bry­ony Gor­don and Tof­fee from Ca­nine Part­ners, manning the phones for last year’s ap­peal

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