Dining out with friends may be your favorite indulgence. But by staying in, you could actually make a difference. Host a potluck meal at home and donate the money each of you would normally spend at a restaurant to Dining for Women (www.diningforwomen.org), a nonprofit that raises money for charities dedicated to making life easier for impoverished women. Every cent of your donation goes to groups like Habitat for Humanity and Women for Women International, which provides assistance in war-torn regions.