I don't know about my pain threshold, but I do get very low and a bit depressed during the dark winter months. I find that helping out my African in-laws and some of my husband's struggling friends gives me a tremendous lift. We make money transfers through Western Union on a regular basis, then extra contributions if something urgent arises.
For example, last year Ramatou (my sister-in-law) contracted TB, and Mamadou (long-term mate of my husband) had to have his leg amputated. Sié is getting married soon, and the cess-pits needed emptying a couple of months ago.
We take no risks with the transfers as we make them in Asda where they have a WU booth. The transaction is done with cash, so no bank details are disclosed.
Every time we come out of Asda, I feel so thankful we're able to help. It honestly makes me smile all day. Daft I know, but I love to help in my small way!