Gratitude in Money Attitude: Being Grateful for What You Have

There was hardly any gratitude in my money attitude when I was growing up andI have always been uncomfortable with numbers, hated it even -- brushing it aside, pushing it away, running away from it -- especially when it comes in the form of money. I usually asked someone to deal with money matters until I discovered that it was this very attitude that contributed much to my constant lack of money. Avoiding numbers hindered my growth in financial management skills. It was very much later in life that I found myself “forced” into developing some basic money skills for the daily operations of our informal musical theater school.

I followed the basics, grudgingly and abhorred the task of planning, budgeting, filling-out columns, balancing, checking and the like. It became a stress factor for me. Instead of feeling good about accomplishing the task it only made me more depressed seeing how much money came in, how much money went out, with only very little remaining to go around with. It took a couple of more years to motivate me to learn more about saving and investing. I finally felt I had enough knowledge and skills to manage money better. Wrong. Something was still missing. The knowledge and skills had to come with the right attitude - gratitude in money attitude.

Money Attitude

Author and financial planning expert Diane McCurdy states that there are four types of Money Attitude that people find themselves functioning with namely, the Spender, Builder, Saver, and Giver. She briefly describes them as follows:

  • Spenders are those who enjoy buying things with their money or have something concrete. They like spending everything they have — or more.
  • Savers are those who create a fortune in the bank very quickly, while still living a comfortable life, sometimes even on a tight salary.
  • Builders see money as a tool. They use it (and sometimes risk it) to turn their dreams into reality investing their money wherever possible.
  • Givers make up the volunteers, charity donors, and do-gooders of the world. They buy extravagant gifts for friends that they would never purchase for themselves, and deny their own wants so they can give to others.

I went through the descriptions and discovered that I used to be a Spender in my younger days, moved on to be a Giver, realized I needed to be a Saver, and then learned to be a Builder. McCurdy gave pointers on what steps one can take in order to balance off these Money Attitudes.

Spenders - Each month take out your allotted savings and expense money immediately. The rest is yours to spend however you wish.

Savers - Determine how much savings is "enough" to meet security needs while still allowing you to actually enjoy life along the way. Once you reach this number, keep your peace of mind but spend a little money on something nice that you deserve. Life is just too short.

Builders – While they make excellent mentors because of their creative endeavors they are prone to miscalculating the funds and risks that are involved in their projects and neglect to leave themselves a margin of error, just in case. Developing a portfolio is a building activity. Once Builders get interested in using their creativity here, they're on the escalator!

Givers - If you first take care of yourself, you'll be better suited to take care of others.

These were great tips which could be done by anyone with good discipline. Still, I felt something was not going right. Along the way I still found myself stressed out, burned out, spaced-out, conked out, down and out when it comes to dealing with money, with cash flow, with check flow, with anything and everything that had anything to do with numbers!

My Money Attitude

I found myself cursing numbers and in the process complained about why things had to come with numbers. Why did money have to come in numbers too?! One day a light bulb. Blink! That’s it. I resisted what is. I resisted that numbers are all part of life. I resisted the fact that without numbers there would be no way we could measure anything. We wouldn’t even know what is measurable or not. What is good and what is bad? What is black and what is white? The Yin and Yang principle – each need the other for them to exist! Relativity!

Here is where Gratitude comes in with a big smile on its face. Gratitude, for me, became the missing link to this whole Money Attitude bit. Gratitude draws in more of that which we are grateful about. And, thus, one day I decided to be grateful about numbers using the very thing that caused most of my anxiety --- money.

The Money Attitude Add-On

The moment I decided to make peace with numbers and money, I got a call from a client asking me to claim a down payment. Tadaaah! I felt it was the best time to carry out my plan and cash out the check immediately. To my surprise, they gave it to me in cash. Another “Tadaaaaah!”. I had to hold back my urge to let out a big laugh, amused at the way things were going.

I finally allowed myself to shed a tear the moment I reached home for it was then I realized how a grateful heart is honored by God, the source of all abundance. I went about executing my plan. I ceremoniously took out all the pieces of 1,000 and 500 peso bills amounting to 50,000 pesos and laid it out gently in front of me. I took the time to look at them and found varied emotions rushing out of me. A part of me wanted it, I part of me hated it, a part of me was bothered by it, a part of me begged for it, a part of me was embarrassed about it, and a part of me was just confused about it. I knew this was a necessary act for me to do, if only to bring my whole being into changing my view of money.


Warning: The following scenario may be too graphic for sensitive hearts and stomachs. No cuts were executed in order to retain the rawness of the experience and warrant the necessity of the actions to produce beneficial results. Please be advised to take necessary precautions.


The Grateful Money Attitude Ceremony

The Thanksgiving. I simply came before God and thanked Him for the gift He had bestowed upon me through the money that now lay before me. I acknowledged that it was His way of providing for my needs and I was grateful because money is a tool with which I could carry out my mission in life.

The Grateful Acceptance. I found it hard to execute this part flawlessly as I struggled with the thought that I did not deserve this blessing. I had to make a choice and spoke the words out loud for me to hear myself clearly. “Father God, I accept the money with a grateful heart for it is through the talents which you have given me that allowed me to earn this amount.”

The Grateful Ownership. I moved on to hold all the money in my hand and acknowledged that they are mine to use wisely in order to fulfill my duties and obligations in this present life. I took time to do this part for I realized that most of my life I never took ownership of the money I received because they normally just passed by and be sent away to pay the bills. I never therefore, took time to savor the feeling of abundance, in fact, I denied myself that pleasure.

I used this time to be grateful once more for this beautiful feeling of literally having so much money in my hands in that present moment and enjoyed the experience as God watched amusingly and tenderly. I took ownership of the money and took the responsibility that went along with it and gave thanks once more for the trust that God had given to me.

The Grateful "Thanks" Giving. The previous step allowed me to feel all the richness that surrounded me and brought in a very generous feeling. In that moment, I took out my “bill purses”, where I normally put in the money allotted for paying my bills, and laid it out in proper order. I checked my list on dues and slowly counted the money required for each one. Before placing the money in the respective purse, I gave thanks again, this time with an added element.

You see, I hated paying bills to the seemingly arrogant utility companies. I blamed them for constantly ruining my cash flow. I detest seeing their warnings about overdue accounts or disconnection notices. I’ve avoided receiving such notices by being more conscientious in meeting deadlines which only caused me more stress. This anger blinded me from seeing the value of the service they were giving me – thus, this new perspective of paying the bills.

As I put the payment inside the purse I say phrases like, “Thank you God for giving me the chance to thank these people who make sure I am connected to the net. I pay them now as a way of showing my gratitude for the service they have accorded me. In this, manner, I too am helping make sure that the people who work for the company are paid on time.”

This perspective allowed me to find joy in paying my bills on time and with a grateful heart. Now, every time I use money to pay for any product or service, it is with a grateful heart that I do so.

The Grateful Opening. I ended the session with a grateful opening of the heart, body, mind and spirit. Numbers and money were no longer threats, enemies, nor evil entities. They were important tools that allowed me to do my share in creating a better world for everyone. All is well and I am now ready, wiling and able to accept all the numbers that come my way and all the money that goes along with it. Oh, and donations, of any kind, are readily accepted with full appreciation.

I believe putting Gratitude in Money Attitude gives more meaning to spending, saving, building, and giving. To paraphrase “the more you give with a grateful heart, the more you receive with a grateful heart” and that can only mean more grateful and happy people living in this world.

I am grateful for this chance to share what I know and pray that you too find gratitude in all that you do in money matters and beyond.

Daisy Ba-ad

More by this Author

Comments 55 comments

Catherina Severin profile image

Catherina Severin 7 years ago from Arizona, U.S.A.

Great Hub! There is so much anxiety in money, maybe my hub "The fastest way to overcome anxiety" can be of help here?

Happy World profile image

Happy World 7 years ago from Slovenia, Europe

I like numbers a lot but this view of expressing gratitude while paying the bills is really excellent. I'll put it in to practise. It feels so right. Thanx a lot, Dayzeebee.

C. C. Riter 7 years ago

I think Samuel Clemens once said something like, "There's no shame in being poor, but it sure is one hell of an inconveinience." Or something to that effect.

Great advice dayzee, thanks

VioletSun profile image

VioletSun 7 years ago from Oregon/ Name: Marie

This is a subject that is perfect for me. I dislike numbers very much, managing finances, and guess what? The universe/God conspired to put me in charge of the accounting of my sister's business. At first, I would break into a sweat when I had to turn in the numbers at the end of the month, for expenses and profits; I resisted it, and I still don't like this part of the job, but, it has been a learning experience for me! Reading your article reminds me to change my attitude as I still have a little attitude/fear when it comes to doing this part of the job. I get the message of your hub very clearly, so thanks for this!

dayzeebee profile image

dayzeebee 7 years ago from Cebu, Philippines Author

Hi Catherine, thank you for finding this hub to be great. I checked on the hub you suggested and will link it to this page. I'm glad to find a fellow "tapper" here too. Will go visit your hub and share more. Be blessed:)

dayzeebee profile image

dayzeebee 7 years ago from Cebu, Philippines Author

Happy World I am happy for your love of numbers and happier still that you found paying with a grateful heart an excellent idea. It did wonders for me and I am grateful for having heard that concept from Deepak Chopra and Neale Donald Walsch. Keep staying happy:)

dayzeebee profile image

dayzeebee 7 years ago from Cebu, Philippines Author

C.C. Riter I could almost "hear" you say those lines with a grin on your face. Thank you for finding this to be a good advice. Do take care now:)

dayzeebee profile image

dayzeebee 7 years ago from Cebu, Philippines Author

Hello VioletSun, why am I not surprised about your dislike of numbers as well?LOL. Yes, I agree, we find ourselves trained in several ways no matter how much we try to avoid them. I'm glad the message of this hub clearly goes out to you. Let's keep enjoying numbers. Love and light!:)

ripplemaker profile image

ripplemaker 7 years ago from Cebu, Philippines

Hi dayzeebee, yes, what a beautiful way of showing us how to have the attitude of gratitude when it comes to money. I have come to recognize that the more grateful I am in having money, more blessings came. And the more I gave, the more I received. It's a great lesson to learn. :-)

dayzeebee profile image

dayzeebee 7 years ago from Cebu, Philippines Author

Hi Ripplemaker, yes everyday I am awed at the extent gratitude affects various aspects of our lives. And everyday this gratitude increases and more joy is felt amidst the economic challenge faced by the world. It is in such moments that people bring out the best of themselves and that is a beautiful thing:) Hugs:)

Dottie1 profile image

Dottie1 7 years ago from MA, USA

An easy to understand hub with a SUPER BIG money attitude.  Don't you just LOVE it Dayzeebee when the light bulb comes on? and the missing link is found:)  Thank you and thank you again for writing this hub.  It's just what the doctor ordered for me today.  Big hugs to you my beautiful angel friend....

dayzeebee profile image

dayzeebee 7 years ago from Cebu, Philippines Author

Hi Dottie, yes I'm loving light bulb moments and finding missing links! And lately, these moments have been surging through my life with vigor. My grateful spirit is in an all time high and I am committed to keeping it going up.LOL. I'm glad this hub provided that which your doctor has ordered. Big hugs to you to angel Dottie. Will be visiting your hub now. See yah.:)

Shirley Anderson profile image

Shirley Anderson 7 years ago from Ontario, Canada

Oh Daisy, I like this hub very much! I am very familiar with running away - I'm a runner. I also fall into the category of Giver. Unfortunately, I do it to the point where I cause myself harm. I am improving, though.

My biggest problem is in the feeling part. When I do get a windfall, I am grateful, express gratitude, but try as I might, I can't feel it. That in itself causes me some distress, but I'm working on it.

Thanks for writing this, Angel Daisy. You've given me some information to consider that I think might be just what I need.

Love & Light!

Constant Walker profile image

Constant Walker 7 years ago from Springfield, Oregon

Money is a very fascinating thing. When I was young and making enough of it, I was definitely a Spender. I focused simply on enjoying it.

Now, as an older adult, I find myself (judging from your categories) to be a mutant of all, except for Saver. Maybe that part will evolve later. But, I am definitely smarter now, with money, than I ever was before.

dayzeebee profile image

dayzeebee 7 years ago from Cebu, Philippines Author

Hi Shirley, I'm happy to know you found something here you could possibly do to avoid running away and feel some amount of gratitude. I suspect we have similar struggles of feeling undeserving of such blessings. Hmmm I think I will email you about my recent experience related to this "undeserving" feeling. You take care now and again good job with Hubmob. God bless:)

dayzeebee profile image

dayzeebee 7 years ago from Cebu, Philippines Author

Hi Constant Walker, i like that a mutant of all...LOL. I'm glad you are smarter with money now and that you don't seem to have any problems with enjoying it. Good for you. Keep that happy attitude and yes I would say starting to save at this time would be a good idea. To money and life....cheers:)

Jennifer Bhala profile image

Jennifer Bhala 7 years ago from Upstate New York

This was a beautiful thing to do with your money and I loved reading it. I experienced for myself my own feelings about money and felt them disintergrate as I read of your experience. Thank you for writing about your experience. If only we could all feel that way, all the time, the world would be a happier place for more.

I am going to link this hub from one of my hubs.

Madison Parker profile image

Madison Parker 7 years ago from California


You're a big nut case, and to that, I can relate!! I hate numbers because I feel that in the other realms, outside of here, numbers mean nothing. I think that is why I had such a problem with math, as a child; you see, if I'm an old soul, and if I have lived for many lives, then time doesn't travel in a straight line there! And THAT is why I have always thought that math sucks! Wish I had figured this out in high school when my math teachers just looked at me and shook their heads.....

But, the lord provides for us old souls, and now, we have calculators!!! Praise God!!!

Now, my job reqires basic math skills, but, basic math and CONCEPTS as they relate to the world and world markets, are much different. I GET those! I'm no longer a numbers dummie! I get the big picture and the calculator and computer do the rest!

Don't be afraid to make big money. I once said, as a twenty-something, at a wives dinner, when someone asked, "how much money would you like to make?"

Well, the other wives hummed and hawed, and professed that they didn't need much beyond taking care of their family needs. And, upstart that I was, said, "I want to be really rich. That's what Jeff and I want so that we could never worry about money and then money wouldn't be a big deal and then we could do the things we would like to do; like take care of kids who need homes, sponsor kids who are hungry and maybe even find brilliant kids and help them to get good nutrition and education."

When I finished my rant, one of my young friends took me aside. She said, "I couldn't believe that; you said it like it is; I want so much money that I could give most of it away! How cool would that be."

We didn't become rich because, along the way, we found other things more important than working until we dropped. We came to a crossroads where we found that money wasn't everything. Our babies and our time here is everything.

But we're not doing too badly. With big money comes big responsibility, I think. Some know how to handle it and some don't. I think that if you came into a big amount of money, you would know just what to do!


Alana Obe profile image

Alana Obe 7 years ago from My mind...

Great hub!! thank you so much for such positive words of wisdom!


Intuitive Advisor 7 years ago

Excellent Hub, thanks... a great reminder in these difficult times.

Gratitude is so important.

Tatjana-Mihaela profile image

Tatjana-Mihaela 7 years ago from Zadar, CROATIA

THANK YOU for this Hub, Daisy...wish you a lot of abundance and money.

dayzeebee profile image

dayzeebee 7 years ago from Cebu, Philippines Author

Hi Jennifer, wow thanks so much for the link. In my appreciation of your valuable comments and your link, I have included your hub in my link capsule as well. A grateful gesture can only harvest a grateful gesture and we are both happy. Isn't that great? I love the interesting responses to this hub for it contributes much to my loving numbers and the money that goes along with it.LOL. Thanks again and be blessed:)

dayzeebee profile image

dayzeebee 7 years ago from Cebu, Philippines Author

Madison you made me chuckle with your sharing. I knew many could relate to my view of numbers!LOL. You actually had the perfect attitude with wanting to be rich so that you could share. The only thing missing then was the concept that we could make money work for us and not us work for money. Nothing is ever too late though. Hmmm maybe I could make a hub about that....Relaxing into Abundance or How to Make Money Work For You As You Sleep. LOL. Keep being grateful about the richness that you now posses and see that richness increase as opportunities flow into your life. Be blessed:)

dayzeebee profile image

dayzeebee 7 years ago from Cebu, Philippines Author

Hi Alana, I appreciate your visit and your kind comments. Blessings be upon you too. May abundance flow in your life always:)

Intuitive Advisor thank you for finding this an excellent hub, I am humbled. Yes we do need a little reminding to be grateful for all the richness we do have in our lives and focus on that positive feeling. Be blessed:)

dayzeebee profile image

dayzeebee 7 years ago from Cebu, Philippines Author

Hi Tatjana Mihaela, I am grateful for your appreciation and your kind wishes. I wish you all the abundance of life and love in all of your days. Be blessed:)

Madison Parker profile image

Madison Parker 7 years ago from California


One day when the kids were in high school, Jeff and I looked at each other and realized we had everything we needed; two healthy kids, a home we loved and, although not as "grand" as I had once hope for, we loved our home! Best of all, our home is affordable and will be paid off in full soon; nothing better than peace of mind.

One of my favorite people, Shirley Maclaine, said that as long as she had enough money to get on a plane and go anywhere she wanted, any time she wanted, she would be content. (Of course, owning a home, etc. wasn't a concern for her at that time.) But I feel just like that. The basics are covered, we ARE truely blessed when it comes to the material things we need.

It is important to us to be able to help our kids, now and then. They need to make their own way, but a little help now and then...Otherwise, I don't ever think we'll be rich and I don't really care. We're content.

You are so right; we shouldn't be working for the money but for the ablility to have a better life. Making money can become an addiction.

dayzeebee profile image

dayzeebee 7 years ago from Cebu, Philippines Author

Yes Madison you are rich! This is the kind of richness that we discover when we reach a certain point in our life. We may not call it as BEING RICH but the moment we recognize what is truly valuable to us --- it is then that we find money way down on the list. What does this mean? We have finally acknowledged the RICHNESS that surrounds us daily --- from the beautiful home to the significant people in our lives to the freshness of the air to the wonder of nature to the beautiful smile of our partner etc.

And money, yes we appreciate it for what it can do to express our support for those we love but we no longer "kill" ourselves just to make sure we have more of it. Whatever amount comes -- we accept it with gatitude and use it to the fullest. And this is the way to "relax into abundance" --- the state when we know all is well for in reality ---- we have never been poor. Hugs to you:)

cecory 7 years ago

Great Hub, thanks. This is a subject that is perfect for me.very clearly, thanks for this!

dayzeebee profile image

dayzeebee 7 years ago from Cebu, Philippines Author

Hi Cecory, I appreciate your comments and hope it helps enough. Be blessed:)

retirementhelp profile image

retirementhelp 7 years ago


dayzeebee profile image

dayzeebee 7 years ago from Cebu, Philippines Author

Hi let it be written so let it be done:) See you around:)

Latrelle Ross 7 years ago

Another fantastic hub Dayzee! Gratitude is the key that changed my life and prosperity. So important to share ~~ Thanks :)

BTW - I love your new profile photo!

dayzeebee profile image

dayzeebee 7 years ago from Cebu, Philippines Author

Hi Latrelle, thank you for the appreciation. I'm glad to know gratitude has done wonders for you. As for the avatar LOL thanks I like it too. hahaha. Do take care:)

RGraf profile image

RGraf 7 years ago from Wisconsin

Great words - we all need to examine our money attitude :)

dayzeebee profile image

dayzeebee 7 years ago from Cebu, Philippines Author

Hi Rgraf, yes indeed. Thank you for appreciating the article. God bless you:)

compu-smart profile image

compu-smart 7 years ago from London UK


This hub is right up my street! I'm a deffinate giver and spender and could and would never save unless I was earning more money than I could actually spend!!

I too hate numbers and like you did, brushed them aside!..I have learned enough here to reevaluate my thoughts about money numbers and future finances!

Thank You!:)

dayzeebee profile image

dayzeebee 7 years ago from Cebu, Philippines Author

Hi Compu-smart, oh that is so very sweet of you to remember and I'm very glad to know this hub motivated you enough to reevaluate you money attitude. Way to go dear friend. I pray you find peace in knowing that abundance awaits your full acceptance. You deserve all the good this life can offer you, Hugs:)

tdarby profile image

tdarby 7 years ago

Thank you for this wonderful hub. It is critical to know about gratitude. Thanks for sharing your knowledge.

dayzeebee profile image

dayzeebee 7 years ago from Cebu, Philippines Author

Tdarby you are most welcome. Appreciation truly brings more value to anything. Blessings be upon you:)

LMT Forex Formula 7 years ago

great tips

dayzeebee profile image

dayzeebee 7 years ago from Cebu, Philippines Author

Thanks for dropping by and the compliment.:)

Dottie1 profile image

Dottie1 7 years ago from MA, USA

I am grateful for every penny, nickel, dime, quarter, dollar and millions that I/We deserve. Counting down to Mass Mega Millions (28 million), 2 hours and 25 minutes to go. Are you ready for this one Daisy?

dayzeebee profile image

dayzeebee 7 years ago from Cebu, Philippines Author

Hahahah yes dear Dottie, I am ready and though not one number came out this time I am grateful for the positive and lively spirit you bring into our lives. Hugs and thank you for sending your bubbling energy constantly.:)

couponalbum profile image

couponalbum 6 years ago from Sunnyvale, CA

Nice hub dayzeebee. Joining your fanclub and would like to invite you to join mine.. Thanks

dayzeebee profile image

dayzeebee 6 years ago from Cebu, Philippines Author

Hello couponalbum. Appreciate your visit. Have become your fan too. Blessings:)

123chri123 profile image

123chri123 6 years ago

Great work,money is not the root of all evil as is popularly chorused but the negative attitude towards it is the evil.

glorgeousmom profile image

glorgeousmom 5 years ago from Philippines

It is the love for money that is the root of all evil. This hub is very informative and helpful;. Thanks for a great hub. I wish you more success.

Patrick Rasmussen 5 years ago

Nice article! You're good copywriter ;)

If u wan't look at this

dayzeebee profile image

dayzeebee 5 years ago from Cebu, Philippines Author

Hi 123chri123, now that's one way of looking at it. Thanks for sharing your thoughts. Blessings:)

dayzeebee profile image

dayzeebee 5 years ago from Cebu, Philippines Author

Hi Glorgeousmom, Thank you for expressing yourself. I appreciate your kind words. May your life be filled with loving abundance. Blessings:)

JAILTALK profile image

JAILTALK 5 years ago from Oregon

Hi Dayzeebee I like your thoughts.Interesting hub. I think it is a fascinating subject and like to hear all views!

I read a book-"The Courage to be Rich" about this and it is so interesting how psychology and money truly go together.They claimed we all had either shame, fear, or anger when it came to money.(All attitudes)Each can apply to someone rich or poor and has been shaped by events that have happened to us throughout our life.

Another interesting thought in this book was to value people first, money, then things in that order. You know how someone takes you into their house and shows off all of their nice things?

What would you think of them if they showed off the first Hundred dollar bill, or money wall papered all over room? We are trained to think that they are full of themselves! But if we value money more than things, it makes us more conscientious when we make purchases and curbs frivalent spending. I still have a long ways to go but thought I'd share someone else's perspective on money too!

Mine, I definately have a gratitude for it!

dayzeebee profile image

dayzeebee 5 years ago from Cebu, Philippines Author

Hi Jailtalk, truly appreciate your insights on the matter. It is great to read different views on the subject at hand. It widens our perspective of things and adds to the wisdom we gain. Blessings always:)

sundaynews profile image

sundaynews 5 years ago from Tampa, FL

Hi. I just published my first hub about a similar subject. I have learned for myself in the past the value of Gratitude. Thank you for reminding me of how it relates to money. Good job!

dayzeebee profile image

dayzeebee 5 years ago from Cebu, Philippines Author

Hi Sundaynews, I'm glad the hub served its purpose in your life. Blessings:)

martinnitsim 4 years ago

hello there gary it took me ages to find it here is the site

and details,ring them for advice , mention myself-netsimsy put you on

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