In recent years I have cut down charity donations quite considerably, and not just because I am n a reduced income. The first thing that annoyed me was an increasing number of "chuggers" on my daily commute. The next was when a friend died quite a few of us made direct contributions to his nominated charity as we were not happy to go via the undertaker. For more than a decade we were in receipt of junk mail, raffle tickets (for us to sell) and Christmas cards from said charity - probably more money was wasted on this than we donated. The final straw was when I volunteered for a charity when I was unemployed and saw the vast difference between the paid workers and the volunteers. As to this the latest scandals and questions about how much actually gets to the "coal face" makes me ever more dubious about charities.
And why is Oxfam still the same as when I was a child. The people they help need to move forward, learn to grow their own crops, sort out water supply and sanitation, etc. For me charity now begins at home!