You might be able to get the habit-forming effect without “wasting” $100 or $10 by deciding how much you would like to donate in terms of your income and debt, then creating a worksheet for yourself which you dutifully fill out every month, even when you know it will come out to $0.
You might be able to get the habit-forming effect without “wasting” $100 or $10 by deciding how much you would like to donate in terms of your income and debt, then creating a worksheet for yourself which you dutifully fill out every month, even when you know it will come out to $0.