Money doesn't grow on trees... unless you plant your own

Change your habits and pick it up!

Finding money on the ground is a great way to make extra money without throwing in a lot of effort. All you have to do is bend over and pick it up!
Finding money on the ground is a great way to make extra money without throwing in a lot of effort. All you have to do is bend over and pick it up!

It is said, according to a Chinese Myth, the owner of a Money tree will have good luck and fortune brought upon them. The problem is, getting your hands on a money tree might be a difficult task. Therefore, if you want to be a proud owner of a money tree, you must take responsibility into your own hands and plant your own.

With a money tree, you will have a surplus of wealth. Yet, nurturing this money tree to prosper and grow will be a impossible without creating a strong root system. You will have to work hard and do your research. This tree is touchy and needs to be cared for well.

The Money Tree...

While the Chinese myth is about the idea of a money tree, you can actually have your very own, with a little creativity. Yes, this tree has dollar bills hanging as leaves... it was given as a present in hopes of fortune and good luck!
While the Chinese myth is about the idea of a money tree, you can actually have your very own, with a little creativity. Yes, this tree has dollar bills hanging as leaves... it was given as a present in hopes of fortune and good luck!

Saving should start young...

The best time to start growing this tree is at a young age, so the fruits of your labor will be seen well into your adult life. As a child, this is done by planting away your money. Obviously a child does not have the financial understanding available to want to save their money, therefore it is up to the parents to teach the child the importance of putting money aside. This money will start off small, but will grow as the child gets older. This money may come in forms of gifts, lost coins found on the street, the tooth fairy, or that dollar Grandpa just gave them for behaving well. Another great form of teaching children the value of money is through an allowance. An allowance is beneficial because not only will they learn about money, but they will also learn they must work for it.

While the saving habit should be instilled at a young age, it is never too late to get into the habit. As a good rule of thumb, a person should always pay themselves first. Therefore, when you get paid for your job, set aside a certain amount that goes directly into a savings account. Make sure to only use this account if an emergency comes up… and needing a new pair of jeans is not considered an emergency situation! This amount of money may vary depending on the person, family or situation. If you have money wasted regularly, try setting your savings goal a little higher per month. If you are a person who lives month to month, try putting aside only $5 per month. Every little bit helps.

Get an education...

In the old days, an education wasn’t always deemed necessary. People were still able to obtain jobs and make a good living to support their family. Now a days, an education seems vital in order to support yourself and maintain a good job. Most higher paid jobs require a degree. Even if you are able to get a decent job without a degree, chances are high your pay scale will top off at a lower level. This can be discouraging. Therefore, continue your schooling and give yourself the best possible chance to advance in your career.

If you are beyond the age where you think you can go back to school, you are wrong. With the recent recession, more and more of the older generations are finding themselves back hitting the books. This is due to a large amount of layoffs and a low job satisfaction. If you find yourself part of this group, remember it isn’t too late. If you are out of a job, this is a great opportunity to find a new career. If you are currently working, try taking a few classes here and there. It is never too late to get your degree and when you final graduate, you will be proud of your accomplishments (and possibly your raise!)

Own a money tree!

Learn the value of a dollar...

Learning the value of a dollar can be tricky, and there are too many people out there that don’t understand the concept. Now, unfortunately, a person’s living situation can’t be defined by whether they know the value of a dollar. For instance, a family who lives month to month may have come across hard times. On the other hand, there might be another family that owns several cars, a house with a pool, and spends money like it is going out of style. Maybe they inherited the money; maybe they won the lottery. Just because they have a dollar doesn’t mean they understand the value of the dollar.

Truly understanding the value of the dollar comes down to knowing what you can and can’t spend. It is also knowing whether or not spending that dollar is worth what you will get in return. A good example of the value of a dollar can easily relate to food. For about $5, you can go to a fast food restaurant and get one meal. For that same $5 you can get a jar of peanut butter, a jar of jelly and a loaf of bread. This can result in a whole family eating peanut butter and jelly sandwiches. You will also have leftover peanut butter and jelly. Now obviously, eating the peanut butter and jelly seems like the better bargain.

Now I am not suggesting that you can never spend your money on anything fun. What I am suggesting is that you are aware of what you get in return for your dollar. So the next time you are in the store, ask yourself if what you are getting is worth that dollar. After all, a couple dollars saved can add up, which means you might end up having more fun spending it on vacation than those impulse buys you really didn’t need.

Setting the roots...

To be the proud owner of a money tree, you need to set up some strong roots. These roots have to be strong enough to hold the tree up against the storms of life. The times when it might be necessary to move across country; the times when you may have to change jobs; the times when a person in your family might become sick; the times when your car decides not to start anymore; the times when you find yourself taking a cold shower because the water heater decided to run out. This are all life storms that can happen unrepentantly. They can also break us if we are not prepared.

But once you have yourself set up, allowing the tree to continue to grow should be a relatively painless process. You have set your foundation and you are ready to expand on the basics. You have learned the value of a dollar and how important it is to save and hopefully you have secured yourself a good job that you will be able to advance in.

So, now that your money tree is planted, it is time for you to water it and watch it grow!

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Comments 25 comments

Highvoltagewriter profile image

Highvoltagewriter 5 years ago from Savannah GA.

Great job! Back in the day, (1970's) my "money tree" was Marijuana! However that is no longer an option! (LOL)


prasetio30 profile image

prasetio30 5 years ago from malang-indonesia

I always pay attention for financial planning. Very inspiring hub. Thanks for writing this. I hope we can follow your tips and this is good financial resolution in 2011. I give my vote for you. Take care!

Blessing and hugs,


barbergirl28 profile image

barbergirl28 5 years ago from Hemet, Ca Author

Highvoltage - that cracks me up... lol

Prasetio - Thanks for the vote... I appreciate the feedback. Hope you continue to enjoy my hubs!


Simone Smith profile image

Simone Smith 5 years ago from San Francisco

Great Hub! I love your use of metaphor - and now I am kind of tempted to craft a little money tree XD


barbergirl28 profile image

barbergirl28 5 years ago from Hemet, Ca Author

My parents gave my husband and I the money tree for Christmas because we moved out West and they wanted to wish us good luck. I really have no idea how much money it holds because each dollar bill is wrapped in a gold foil and because it looks so cool, I don't have the heart to break it. I guess we will wait until I am really broke! LOL Good luck on making your own money tree!


sunchild28 profile image

sunchild28 5 years ago from Nigeria

Your story is very educative.Education has no age or time limit.I have really learnt a lot from you and from today hence forth my irrelevant expenses will give way for my savings.Great things starts small,the youth are leaders of tomorrow.


sunchild28 profile image

sunchild28 5 years ago from Nigeria

Your story is very educative.Education has no age or time limit.I have really learnt a lot from you and from today hence forth my irrelevant expenses will give way for my savings.Great things starts small,the youth are leaders of tomorrow.


barbergirl28 profile image

barbergirl28 5 years ago from Hemet, Ca Author

@sunchild - thank you very much. I hope that you can use some of these tips to go forward in life! Thanks for stopping by and the wonderful comments!


chamilj profile image

chamilj 5 years ago from Sri Lanka

I like your comparison Fast Food Meal & a loaf of bread. Very true. Great savings tips. Thanks!


barbergirl28 profile image

barbergirl28 5 years ago from Hemet, Ca Author

@chamilj - it was a good comparison that I could really relate too. After all, I am a bit of a fast food addict and that is something I need to try and stick away from. It is were a lot of my money goes down the drain!

Thanks for stopping by!


marellen 5 years ago

Great job and thanks for sharing this link with me. As always your hubs are full of great advice and wisdom.


barbergirl28 profile image

barbergirl28 5 years ago from Hemet, Ca Author

Thank you. I typically don't like spamming my hubs in other people's comments, but I thought you would really love the money tree, especially since I already have one. I don't even know how much money is on it because 5 months later it is still sitting just how it was when we opened it on Christmas!


catsimmons profile image

catsimmons 5 years ago from Mission BC Canada

You're certainly right, fast food is a real money grab. What I need to do is to stop bending to the whims of the rest of my family!

Planning ahead is the key I think...I have a full-time job and a 3 hour commute so it's easy to be tempted...


barbergirl28 profile image

barbergirl28 5 years ago from Hemet, Ca Author

@catsimmons - That sounds like a situation just asking for temptation. I can only imagine how tired you are when you get home and how nicely fast food would be appealing. I wish you luck on all the preplanning. Crockpot recipes are also a great way to make an easy meal that takes little prep and keeps you away from the fast food. If you throw in some cubed beef and a can of cream of mushroom soup in a crockpot you have beef stroganoff waiting for you! :)


catsimmons profile image

catsimmons 5 years ago from Mission BC Canada

Hey yes you're right..I have a slow cooker that I put away for the summer, so no excuses..Thanks!!!


barbergirl28 profile image

barbergirl28 5 years ago from Hemet, Ca Author

As a side note - the fix it and forget it cookbook has some great, easy recipes to make. I have made two this week. I love my slow cooker... it is a year round tool for me! :)


John Sarkis profile image

John Sarkis 4 years ago from Los Angeles, CA

Funny lady...enjoyed it


barbergirl28 profile image

barbergirl28 4 years ago from Hemet, Ca Author

@John Sarkis - Glad you enjoyed it... it was a fun article to write!


mythicalstorm273 profile image

mythicalstorm273 4 years ago

Looking back at that little tree that Mom and Dad made for you still makes me smile. That was such a cute little idea for you guys! Plus mom did it with such flair! lol


barbergirl28 profile image

barbergirl28 4 years ago from Hemet, Ca Author

@Myth - I love that tree... I still actually have it too. It is sitting in our front room. I told mom I am saving it for a rainy day! :)


mythicalstorm273 profile image

mythicalstorm273 4 years ago

That is awesome! I bet mom is so happy that you are still enjoying it! I would save it for a rainy day as well! After all you never know when a good old fashion money tree might be just the thing you need to make the day turn around!


Ruchira profile image

Ruchira 4 years ago from United States

loved this hub, BBG.

I keep reminding my kid about it...although I have not tried growing money...lol

I have a money plant though...lol

but on a serious note...when there is so much new things in the market for the kids, they tend to lose value for money. Always good to reiterate the above.

voted up as beautiful and interesting!


barbergirl28 profile image

barbergirl28 4 years ago from Hemet, Ca Author

@Ruchira - My kids have yet to understand the value of the dollar. They are still young yet so it is ok.. but the other day I caught my daughter trying to walk out of the house with 2 dollars in her hand. Why - she wanted to eat breakfast at school. Funny - because I just finished feeding her breakfast at home.


pramodgokhale profile image

pramodgokhale 4 years ago from Pune( India)

Yes you are very correct. Money tree is planted one should do watering and and nursing.In developing countries like India we do not have welfare scheme unlike the west,but your guidance will do and planning from beginning of his/her employment or business of investment and constant vigil on market conditions then they can enjoy high life.

You should be the mentor to grass root people across the globe

Thank you for guidance.


barbergirl28 profile image

barbergirl28 4 years ago from Hemet, Ca Author

@pramodgokhale - We truly are responsible for our own destiny. Sure, we might have hard times every once in awhile, but we have to nuture and protect what we have. Thanks for stopping by.

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