She worked in an agency that provided services to the community based on financial need. Through that, she and another baal chesed and a local Rav kept bumping in to people who where in desperate need, often for temporary reasons, but didn’t qualify financially. They had “too much income”.
The three got together and established a fund. They accepted donations and handed out cash. It was all done on the books and the accountant was another baal chesed in the community.
They distibuted food monthly and money for bills as needed. Tens of thousands, then hundreds of thousands. The once a year mailing to the community was done on paper and envelopes and stamps donated by friends.
Every penny went to tzedaka. And much of the volunteer work for packing and deliveries was done by gvirim and recipients who were happy to give back.