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Sometimes, tough times bring out the best in people.

We are looking for brief, first-person stories of how you overcame financial tough times in a way that expressed generosity. For example, a child gave up his allowance to provide something for a needy child or family. Or, when money was tight, instead of not inviting friends over to eat, you figured out a way to serve festive but cheaper dishes.

Keep them to no more than 400 words, if possible, and e-mail to

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Please put "Overcoming tough times" in your subject line and be sure to include your name and location.