I am happy to forward a recommendation from nonprofit guru Tracy Gary, founder of Inspired Legacies, who says: “If you are going to make a donation to a nonprofit this November or December, call or email the ED or development director now to share your intention.” The reason this timing matters is because agencies with budgets under $500,000—which comprise half of the nonprofit sector—have, on average, less than three weeks of cash flow on hand between February and November 15th. Contacting them before the 15th will help them plan cash flow through this calendar year end and more accurately project their next year’s budget, something many foundations and donors are asking them to do right now. If you can unleash your generosity a little earlier this year, you can make a big difference.