Call a local childrens' hospital, nursing home, domestic violence or homeless shelter and ask how you can donate an hour or two of your time.

你也可以给当地的儿童医院、私人疗养院、家庭暴力或无家可归救助站打电话，咨询一下你怎样花1 - 2个小时的时间向他们提供你的帮助。

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But even those without bank accounts said they made a practice of saving money, and had goals like saving for their childrens' education, buying a home, or sending money back to their native countries.

WSJ: NYC study looks at immigrant banking habits