Some years back, I provided a micro loan of $25 to someone willing to work hard. (I granted the loan through Kiva.) It cost me less than the price of dinner with my hubby when we go out to Chili's. The person to whom I loaned it paid it back. So I chose another person to lend money to. That loan got paid back. And again. And again. I just received my twelfth such re-loan of the original $25, paid in full.  So I found a new person in need to lend to. What a great investment!