Every penny I give to others returns happiness and contentment two-fold.

Five pounds a month leaves your account on the third and you long ago stopped noticing it go. Somewhere it becomes part of a bulk order of mosquito nets, or a heating grant, or a bill paid for a stranger you will never be introduced to.

The return does not arrive as money and does not arrive on schedule. What comes back is a quieter relationship with your own account - the sense that some of it is doing something, that not all of it is simply waiting to be spent on you.