This is the time of the year -- after Christmas, before New Year -- when I review my charitable giving and either try to do just a bit more, or make up for lost opportunities.
So I review what's touched my heart over the last year -- a months' old situation is unlikely not to need more money -- all the while able to make better choices about who to give to.
But I rarely find a worthy cause as good as a ministerial discretionary fund. So much of funding good work is trusting that the money will be put to the best possible use. (And I've never been peppered with mailings to give to one.) Ministerial discretionary fund are built on filling needs that would otherwise go unmet, and presumably you trust your minister's judgement.
These funds often help deeply; I say this is someone who has run one, donated to several and received help from one. But the funds are themselves often not deep.
Consider donating, and if you have means, donate to others.