Ladies, there's hope yet...

I was thinking to split the money between an education-related charity and a health-related one. Anybody know of any effective ones? As in, a large percentage of donations goes towards the cause, rather than the overhead of running the charity itself, fundraising, etc?

As a rule of thumb - larger charities are both more efficient in terms of overhead and more effective at delivering aid than smaller ones. It may seem counterintuitive, but the 3rd sector is subject to the same economies of scale as the rest of the world.