Everyday Cheapskate: The Dos and Don'ts of Campaign Contributions

In all my years of writing this column, I've steered clear of politics. But every rule has its exception, and today, it's political fundraising scams. As we inch closer to the elections, the heat is on. I think it's time we have a little heart-to-heart about staying safe.

With billions of dollars pouring into the 2024 House, Senate and presidential races, I bet you've already gotten a few friendly donation requests via texts, email, direct messages -- you name it. And it doesn't matter which side you're on. Scammers don't care about your politics; they're equal opportunity offenders, ready to take a bite out of anyone who looks like lunch.

Consider these dos and don'ts for keeping both you and your money safe while navigating the murky waters of political contributions.

First, the dos:

DO ASSUME EVERY CONTACT IS A SCAM

Make this contact prove that it's not. Suspicion is the best attitude when it comes to unsolicited messages and calls. Yes, it's gotten that bad. Just know that a legitimate organization will be more than happy to offer resources and contact information to put your suspicions to rest.

DO YOUR RESEARCH

Stick to official campaign websites or reputable platforms like WinRed or ActBlue. If you're unsure, a quick search can save a big headache. "Trust but verify" means you may need to end the call in order to do your own due diligence.

DO USE CREDIT CARDS OR SECURE PAYMENT METHODS

Opt for credit cards over debit cards. Credit cards offer better fraud protection.

DO SET LIMITS

Decide in advance how much you're willing to give, and stick to it. It's easy to get swept up in the emotion, but your future self will be grateful that you set some boundaries.

DO DOUBLECHECK SOURCES

If you get a request from any source, stop. Check the sender's details. Scammers love to impersonate official organizations. Look for red flags -- strange URLs, weird email addresses, misspellings or odd requests.

DO REPORT SUSPICIOUS ACTIVITY

If something feels off, trust your gut. Report suspicious emails, calls or messages to the Federal Trade Commission or your state's consumer protection office.

And the don'ts:

DON'T DONATE THROUGH UNVERIFIED LINKS OR THIRD-PARTY APPS

Avoid giving out your information through sketchy links, unsolicited texts or social media messages. If it feels like you're clicking into a black hole, you probably are.

DON'T SHARE PERSONAL INFORMATION

No legitimate campaign needs your Social Security number or bank PIN to accept your donation. If they're asking for more than your basic payment details, run -- don't walk -- away.

DON'T GIVE IN TO PRESSURE TACTICS

Scammers thrive on creating a sense of urgency. Suppose you feel rushed or threatened, stop. Take time to do your research. Legit campaigns will welcome your donation tomorrow just as much as today.

DON'T ASSUME TEXTS OR CALLS ARE LEGIT

Scammers have become pros at mimicking official numbers and tones. If you receive a call or text, hang up and contact the campaign directly through their verified contact information.

DON'T IGNORE STATEMENTS

Check your bank statements. Make certain your donation was recorded exactly as you instructed. Look out for unauthorized and recurring charges you didn't sign up for this month and in the coming months. I can promise you that catching fraud early is half the battle.

Remember, the only thing more important than supporting a cause you believe in is knowing your support actually makes it to your chosen place -- safely and securely.

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Mary invites you to visit her at EverydayCheapskate.com, where this column is archived complete with links and resources for all recommended products and services. Mary invites questions and comments at https://www.everydaycheapskate.com/contact/, "Ask Mary." This column will answer questions of general interest, but letters cannot be answered individually. Mary Hunt is the founder of EverydayCheapskate.com, a frugal living blog, and the author of the book "Debt-Proof Living."