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How to Make a Gift Money Tree

Updated on October 13, 2017
Mickie Gee profile image

Mickie is a retired librarian who loves to tinker around the house. Every where she looks, she sees possibility!

Learn to turn branches into a gift money tree for a baby shower: photo by Mickie Goad

Branches from a real tree, cement mix, clay pot and white spray paint can be made into a gift money tree for any occasion.
Branches from a real tree, cement mix, clay pot and white spray paint can be made into a gift money tree for any occasion. | Source

Giving money couldn't be easier!

What is a gift money tree? As you probably have guessed (or not), money does not actually grow on my gift tree.

A "gift money tree" is a "tree decoration" that you put money on, then you give the tree as a gift. One usually sees a money tree at a wedding shower, baby shower, or a retirement party.

A "tree" is a unique way to give a gift of money to a friend instead of a gift certificate or just an envelope with cash enclosed. One of the perks about a tree like mine is that you can use it again to decorate for another party or holiday.

The Image shown to the upper right is of one of the steps in the process of making my own money tree. Mickie_G - use with attribution.

origami money heart to put on a money tree from
origami money heart to put on a money tree from

A Money Tree is an ideal gift for all occasions

See the step-by-step images for how to make a money tree further down the page.

Recently, our church minister had a baby. Several ladies decided to give her a "shower" at church one Sunday. We announced our intention in the church bulletin and also in the newsletter. But, we figured that a lot of our members might not remember the plans or would just plain not see the announcements. So, we gave those who did not have a wrapped gift for the soon to arrive baby a chance to give cash instead.

I made the tree this way:

(1) First I found several tree branches

(2) Then I found a nice terracotta flower pot.

(3) My husband mixed up some concrete--I chose to use concrete because I did not want the "tree" to turn over.

(4) We put Styrofoam (recycled from packing material we had on hand) in the bottom of the pot and stuck in the tree branches.

(5) Then we spooned in the concrete mix around the Styrofoam and the branches.

(6) After the concrete set, we sprayed the whole thing white.

I bought blue and white ribbon (for a boy), cut it into strips, then tied the ribbon to large paperclips. The loops of ribbon with the clips were then hung on the tree. Voila! We had a gift money tree and a really nice decoration for the shower.

If you would rather not use real tree branches on your gift money tree, try using wire clothing hangers. I saw this idea at Wire Coat Hanger Halloween Tree.

Image from foldsomething on flickr Creative Commons. You could fold the money in a fancy way and attach it to your tree!

12 Inch Clear Plastic Money Tree - if you do not have time to make your own

This AMSCAN Money Tree is highly rated by Amazon users. It reminds me of the plastic trees we used to stick spice gel drops on when I was a kid.

Scroll down further to see the Wilton Celebration Tree that is also on Amazon.

DIY Photos: How to make a gift money tree. - Click on each photo to enlarge it. All images were taken my Me

Click thumbnail to view full-size
Branches stuck in StyrofoamFill pot with cement mixtureSpray paintFinished money treeAttach money using paper clips tied to ribbon
Branches stuck in Styrofoam
Branches stuck in Styrofoam | Source
Fill pot with cement mixture
Fill pot with cement mixture | Source
Spray paint
Spray paint | Source
Finished money tree
Finished money tree | Source
Attach money using paper clips tied to ribbon
Attach money using paper clips tied to ribbon | Source

Another Money Tree you can purchase on Amazon: - Another use for a money tree--teacher appreciation gift!

I found another idea for constructing a "Money Tree" for a Teacher Appreciation gift. Read this creative idea at Skip To My Lou--How to make a money tree (teacher appreciation) gift

Dollar Bill Heart for a money tree
Dollar Bill Heart for a money tree

Creative Ways to Fold Money for your Tree:

Get more ideas for folding money:

Here is a link to a page about folding money origami-style: Dollar Bill Origami! On that page you will find links to different origami shapes that can be made from a dollar bill.

There are so many ideas. Get your creative juices flowing!

Wouldn't that heart dollar be just perfect on a money tree?

Photo used under Creative Commons from Thomas Hawk

Learn to Fold a Dollar Origami Heart for your Money Tree! - Video Instructions on how to fold money for your gift tree:

Change of Heart--make the origami shown earlier on this very page!

How to video to make a folded heart:

More ideas for "Money Trees" on - Purchase one if you do not have time to make your own money tree.

The Wilton money tree does not have as many good reviews as the one further up the page. However, this is the item that most visitors to this page purchase. I guess they like the curly branches. According to the reviews I read, this tree is not a good idea if your guests will be putting the money on as they arrive; nor is is good for children as it is not sturdy. Perhaps, you could find a way to attach the Wilton tree to a heavy pot using foam and landscaping picks.

I think a good alternative is the Umbra Fotofalls Metal Desktop Photo Holder.

Video: How to make a money tree bank: - Great for kids to make as a gift!

An interesting twist on making a money tree: paint a coffee can and the plastic lid. Put a slit in the lid and you have a bank.

Yet one more "how to" video:

Additional Money Tree Ideas and Poems: - more ideas for you to create your own gift money tree!

  1. The Money Tree by "Then She Made"--a tree for Christmas, but the idea can easily be used for other occasions. (image used with permission of blog owner)

    I found a cute poem to use with your money tree gift on this blog, as well:

    Money Tree by Emily Baldwin (link leads to a bio)

    We wondered what to get you, to put underneath your tree.

    A gift card was an option, but not as crafty, you see.

    We decided on a money tree, from Lydia to you.

    A decoration before Christmas, but it's useful too.

    We thought of you as we folded each bill and put it in its place.

    We hope you enjoy spending it and it put's a smile on your face.

    We thank you for being a teacher and hope you've enjoyed this rhyme.

    We appreciate you very much this Holiday and Christmas time.

  2. Poems for Money Trees and Wishing Wells

    Find more poems and ideas than you can count on this webpage. You should be able to find a money tree poem appropriate for your occasion--especially weddings.


Mickie Gee is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to

I am also in affiliation with, which carries the largest selection of prints and posters online.

I participate in several other affiliate programs (such as Night Owl Paper Goods (link goes to an article here on Hubpages)) as well, where we may be eligible for earning advertising fees. Thank you for considering our recommendations.

Your opinion counts:

My money tree was a much appreciated gift. Have you had a similar experience? Did you use your tree as a wedding, graduation, shower or retirement gift?

Share your ideas, if you will.

© 2009 Mickie Goad

Have you ever used a money tree as a gift? - This is a guestbook, please feel free to sign in! It is easy!

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    • profile image

      Ruthi 3 years ago

      I love the idea of a money tree as a gift and you have shown there are many ways to personalize the tree to make it a unique gift.

    • Miracle Magnolia profile image

      Miracle Magnolia 3 years ago from Atlanta, GA

      I LOVE these ideas so much that I sent them to my daughter! How clever!

    • profile image

      GEMNITYA5 4 years ago

      What A Great Idea. LOved it :)



    • Mickie Gee profile image

      Mickie Goad 4 years ago

      @ideadesigns: My white money tree is stored in the attic just waiting for an occasion to celebrate.

    • profile image

      ideadesigns 4 years ago

      I did something similar with a centerpiece. I hadn't thought of the concrete for heaviness. Good idea!

    • Melissa Miotke profile image

      Melissa Miotke 4 years ago from Arizona

      This is such a cool idea!

    • Angelee1027 profile image

      Angelee1027 4 years ago

      Wow, this is such a neat gift idea! I would love to try to make one of these. :) Thanks for the information!

    • garagerob profile image

      garagerob 4 years ago

      Niiiiice! Will make one for my nephew. Thanks for sharing this! :)

    • profile image

      Maniya 4 years ago

      This is awesom and very unique Idea.. Thanks..

    • Mickie Gee profile image

      Mickie Goad 5 years ago

      @ThisisMissyMiss: She must believe that money grows on trees, I guess.

    • ThisisMissyMiss profile image

      Mommy 5 years ago from The Fabulous Midwest

      Neat! My daughter has been wanting one of these.

    • profile image

      charles34 5 years ago

      Thank you for writing this quality informational content.

    • profile image

      Krisenvorsorge 5 years ago

      You have interesting lenses. This is the 4th lens in a row by you which is really interesting to read! Thanks for sharing with us.

    • Ben Reed profile image

      Ben Reed 5 years ago from Redcar

      What a great idea - who wouldn't want a money tree?

    • Mickie Gee profile image

      Mickie Goad 5 years ago

      @Linda Pogue: Thanks for the blessing. I have given money trees, but never received one. :(

    • Linda Pogue profile image

      Linda Pogue 5 years ago from Missouri

      I was given a gift money tree when I graduated high school (not saying when!), and loved it. Blessed.

    • steph7h profile image

      steph7h 5 years ago

      It's been a long time since I have seen a money tree given as a gift; this is a very good instruction manual on how to make one, very creative!

    • profile image

      Toy-Tester 5 years ago

      Never seen this before but I will definitely have to remember this idea

    • MindPowerProofs1 profile image

      MindPowerProofs1 5 years ago

      Not yet but I love the idea.

    • squidoopets profile image

      Darcie French 5 years ago from Abbotsford, BC

      I've never given a money tree as a gift - but I love the idea - now that the kids are older, they always love to get cash, and what a great visual for manifesting more money!

    • profile image

      Margot_C 5 years ago

      Honestly this is the first I've seen or heard of a money (except for my parents telling me repeatedly that money didn't grow on trees). But what a great idea! Certainly much better than those boring money holders you buy at the card shop. Will have to keep this in mind for future. Thanks for the lens.

    • profile image

      anonymous 5 years ago

      My sister has cancer and we couldn't think of anything to get her and her husband so I saw an idea where I work they could use the money since she can't work I hope they like it and I know they can use it to help pay bills

    • profile image

      laurenrich 5 years ago

      What great ideas for money trees. If informative and great instructions. Thanks

    • LauraHofman profile image

      Laura Hofman 5 years ago from Naperville, IL

      Wonderful and clever idea! Love your suggestions too. I will definitely do this for a gift-giving occasion soon!

    • Gypzeerose profile image

      Rose Jones 5 years ago

      I love the idea of a money tree spirituality - part of an abundant universe. (Not to say anything about an indulgent grandmother.) I have made money trees for my kids and I will continue to do so- I love the idea of generously sharing our resources. Pinned to my crafts I love board and blessed.

    • Ardyn25 profile image

      Ardyn25 5 years ago

      What a wonderful idea, a great way to give a gift.

    • rawwwwwws lm profile image

      rawwwwwws lm 5 years ago

      I used to make those heart letters with my friends back in grade school and write notes to each other!

    • profile image

      TamarWrites 5 years ago

      What a fantastic idea! Next year will be expensive, as my daughter is graduation high school, and so are all of her friends! This is a clever idea that all my kids can help create.

    • LynetteBell profile image

      LynetteBell 5 years ago from Christchurch, New Zealand

      I have not used a money tree as a gift. It's a nice idea.

    • SailingPassion LM profile image

      SailingPassion LM 5 years ago

      I've not seen this before, but really like the idea :-)

    • pcgamehardware profile image

      pcgamehardware 5 years ago

      I have never used a money tree as a gift, but after reading this page and having a wedding to attend today, I may just give it a try... Great page thanks for sharing :)

    • Deadicated LM profile image

      Deadicated LM 5 years ago

      Great ideas, when my mother use to help run the Penny Sales at our parish they use to have money trees for some of the prizes.

    • profile image

      Storykeeper 6 years ago

      What a fun way to give a gift of money.

    • VeseliDan profile image

      VeseliDan 6 years ago

      I love this idea! I often give cash for a birthday present for my nieces and nephews, but I haven't used a money tree yet!*blessed*

    • profile image

      crstnblue 6 years ago

      Nice and fun lens idea! :)

    • Millionairemomma profile image

      Millionairemomma 6 years ago

      This was a well written lens. Thanks for sharing.

    • Brandi Bush profile image

      Brandi 6 years ago from Maryland

      Great idea! I'm sure anyone would enjoy getting a money tree! :)

    • JoyfulReviewer profile image

      JoyfulReviewer 6 years ago

      What a clever way to give money as a gift. Seems more special than just receiving cash tucked inside a card. Blessed!

    • profile image

      Curt001 6 years ago

      I wish money did grow on trees! Cool lens! :)

    • MelonyVaughan profile image

      MelonyVaughan 6 years ago

      What a unique and wonderful idea. Great lens!

    • mihgasper profile image

      Miha Gasper 6 years ago from Ljubljana, Slovenia, EU

      This is really cool idea. We mostly give money with some kind of greeting card, but tree is much better because it carries also strong symbolic message.

    • chrisssy profile image

      chrisssy 6 years ago

      I've always thought they were the neatest thing. A girlfriend of mine does this every Christmas for her whole family because she can't be bothered to run around the crazy people at the malls lol great lens

    • Bill Armstrong profile image

      Bill Armstrong 6 years ago from Valencia, California

      Just got introduced to them, great idea

    • profile image

      Funny_Beekeeper 6 years ago

      Some great ideas here, I like it! I have never tried to make a money tree as a gift, but I'm sure I will try it in the near future ;)

    • profile image

      frugal123 6 years ago

      Excellent ideas, never thought of doing this, hmm money tree, maybe someday I'll find one that grows ?

    • profile image

      anonymous 6 years ago

      We have a money tree at our fund raisers and sale chances. We always do quite well.

    • BobZau profile image

      Bob Zau 6 years ago

      This money tree idea kind of grows on you. What a fun way to give cash as a gift.

    • goo2eyes lm profile image

      goo2eyes lm 6 years ago

      in some countries, paper bills are being pinned to the wedding dress of the bride. in the end, the bride looks like a money tree. squidangel *blessings* granted.

    • TheBaseballCoach profile image

      TheBaseballCoach 6 years ago

      I'll have to remember this when my boys get married

    • profile image

      gyo_art_fashion 6 years ago

      Great idea!!... I often prefer to give cash to my loved ones (especially my younger siblings), so this beats the usual envelope-with-cash method. Love the creativity!! I'll be sure to check out some of your other lenses... A total newbie like me sure has got lots to learn, and I could use the inspiration and guidance from the giants/angels, etc. like you. :-)) Thanks for sharing!!...

    • profile image

      JoshK47 6 years ago

      What a fun way to give cash as a gift - way better than just stuffing it in a card! Blessed by a SquidAngel!

    • Mickie Gee profile image

      Mickie Goad 6 years ago

      @KimGiancaterino: Asante Africa Foundation

    • KimGiancaterino profile image

      KimGiancaterino 6 years ago

      What a beautiful way to present a cash gift. Thank you for supporting Asante Africa Foundation. I'll make sure your lens is added to our plexo.

    • profile image

      klaird 6 years ago

      I like the dollar origami heart. Thanks for sharing this idea. I've featured your lens on my "50 Craft ideas for Adults" page. Great job!

    • Mickie Gee profile image

      Mickie Goad 6 years ago

      @PersonnelRecruitment: What a wonderful tribute to your Nan.

    • Mickie Gee profile image

      Mickie Goad 6 years ago

      @cr00059n: Thanks for the compliments.

    • nyclittleitaly profile image

      nyclittleitaly 6 years ago

      great lens

    • profile image

      cr00059n 6 years ago

      What a good set of instructions with plenty of colorful photos. This is the best place to learn how to make and use a money tree. Thanks

    • profile image

      PersonnelRecruitment 6 years ago

      When I was about 15 we made a money tree for my nans 60th, there must have been nearly $1,000 bucks on that sucker. Hope they do the same for me when i hit 60 !

    • profile image

      baby-strollers 6 years ago

      I can't say that I have ever done that, but it's a neat idea.

    • profile image

      Webizen 6 years ago

      Awesome lens, I love it.

    • LouisaDembul profile image

      LouisaDembul 6 years ago

      This is such a nice way of giving money to somebody, instead of just putting it in an envelope!

    • profile image

      julieannbrady 6 years ago

      OMG!!! Money tree ... sign me up ... I definitely WANT one of those.

    • Mickie Gee profile image

      Mickie Goad 6 years ago

      @DeterminedDolphin: Glad I could be of service. I love sharing ideas that I have used and were successful.

    • Mickie Gee profile image

      Mickie Goad 6 years ago

      @mincass: Oh yes! Gift Cards would be wonderful on a gift money tree! Thanks for thinking of it!

    • profile image

      MorningShine 6 years ago

      What a neat idea! Liked.

    • profile image

      mincass 6 years ago

      This is such a cute gift idea! I bet you could do something similar with gift cards.

    • JoleneBelmain profile image

      JoleneBelmain 6 years ago

      Those are very cute money trees! I love the whole origami thing... so neat. Nice lens :)

    • profile image

      MintySea 6 years ago

      cute idea

    • DeterminedDolphin profile image

      DeterminedDolphin 6 years ago

      Very neat idea. I have never used this as a gift and in fact never knew it about, so I've learned something new. Thanks!

    • Diana Wenzel profile image

      Renaissance Woman 6 years ago from Colorado

      Who wouldn't be very happy to receive a money tree? Great gift idea. Love the money origami. I'll have to try this. Thanks!

    • profile image

      anonymous 6 years ago

      I"ve made several money trees as group wedding gifts. The last one I made was for a co-worker who was getting married. The couple had registered at an organic nursery, but they also really needed money to help with the wedding. I took some twigs and anchored them into a copper watering can. I attached the fanned bills with colored ribbon (1/8 ") and also bought organic vegetable seeds and marigold seeds and attached them to the twigs as well. I added a few nice gardening tools, sticking out of the watering can. Wish I could attach a photo. It was really cute and they are still reaping the benefits of the seeds! The bride had also never had a watering can so she was delighted all the way around.

    • profile image

      tally lm 6 years ago

      Great lens! I think this is a wonderful gift idea!.

    • agoofyidea profile image

      agoofyidea 6 years ago

      I have never seen a money tree, but I loved yours. The white paint really transformed it. Great lens.

    • profile image

      Runnn 6 years ago

      Cool. I wish I get one from my buddy. Lol..

    • sandyjunep lm profile image

      sandyjunep lm 6 years ago

      Wow what a great idea. I did something similar for my daughter years ago and she loved it. Thanks for the reminder

    • profile image

      anonymous 6 years ago

      I came across this post because I was looking for additional ideas on how to present money as a gift at a bridal shower. I like the money tree idea, but was wondering if anybody had any additional ideas. Another way I have seen and plan on using to give money as a bridal shower gift is to take a rolling pin, attach a couple of sheets of paper towels, attach to the paper towels what ever denomination of cash you want to give, roll up the paper towels on the rolling pin so that the money is rolled on the inside and on the last sheet of paper towel write "May you always be rolling in dough!" after all the paper towels have been rolled up tie closed with a pretty ribbon.

      If any body has additional ideas please post. Thanks

    • anticloud profile image

      anticloud 6 years ago

      Very cool lens. I will have to keep this idea in mind.

    • Mickie Gee profile image

      Mickie Goad 6 years ago

      @SquidooFanatic: I do not like giving money, either. I usually only use the $$$ option when everything a Bride's list that I wanted to give is already fulfilled. As for a baby shower, when it is a 2nd baby, it is hard for me to know what the mom already has, so I like giving money or gift cards.

    • Mickie Gee profile image

      Mickie Goad 6 years ago

      @TIRMassageStone1: I agree with you in a way. This money tree was made for a "shower" at church. It was held after the service and some members did not know what to purchase for the mom-to-be. Putting money on the tree along with an optional note or greeting card was convenient for them. I, personally, had purchased a gift card and attached it to the "money tree".

      At Greek weddings, it is traditional to give a monetary gift on the day of the wedding even if you had purchased something earlier for a shower for the bride and groom.

      A money tree is just another option for gift giving.

    • TIRMassageStone1 profile image

      TIRMassageStone1 6 years ago

      Not really into money trees since I think guests already have to get a wedding present, presents for the bridal shower, and maybe even the bachlorette gift.. kinda tacky to ask for more money and gifts.

    • lbrummer profile image

      Loraine Brummer 6 years ago from Hartington, Nebraska

      Terrific gift idea. I'll remember to look here the next time I'm at a loss for what to give as a gift. I invite you to visit my lens.

    • profile image

      beardvc 6 years ago

      Nice money tree,well done ,


    • SquidooFanatic profile image

      SquidooFanatic 7 years ago

      ive never heard of making a money tree before. I hate getting or giving money as a gift as I usually think its the easy option, but putting it together as a money tree is a nice touch

    • stephenteacher profile image

      Stephen Carr 7 years ago from Corona, CA

      Terrific idea! Great lens.

    • profile image

      anonymous 7 years ago

      Haha :"Well, money does not actually grow on it."

      good one!

    • Gypzeerose profile image

      Rose Jones 7 years ago

      I made a money tree as a gift for my kids. I wrapped dollar coins in red and green tissue paper and called them "cherries" and "leaves." It made receiving money a lot more fun. Even though I believe in hard work and all that jazz, I also believe in luck and a part of me believes that money does grow on trees. When I get rich I have a dream of tying dollar bills to the tree limbs in a city park and letting someone come up to the surprise and find their own money tree.

    • LisaAuch1 profile image

      Lisa Auch 7 years ago from Scotland

      Lucky Leprechaun Blessing - Happy St Patricks Day

    • UKGhostwriter profile image

      UKGhostwriter 7 years ago

      great idea!

    • DanMoriarity LM profile image

      DanMoriarity LM 7 years ago

      I hadn't heard of anything like this before, but what a great gift idea!

    • profile image

      GrowWear 7 years ago

      Happy Valentine's Day!

    • profile image

      boutiqueshops 7 years ago

      I've seen lots of money trees at weddings and sometimes even children's birthdays. GREAT JOB on this creative page, Mickey! Love it! Blessed By An Angel...

    • profile image

      poutine 7 years ago

      That is a cool idea!

    • Joy Neasley profile image

      Joy Neasley 7 years ago from Nashville, TN

      Perfect gift for a minister...they tend to already have enough of the usual gifts. Thanks for the idea.

    • Sylvestermouse profile image

      Cynthia Sylvestermouse 7 years ago from United States

      This is a really awesome idea! I would love to receive a gift money tree :)

    • VarietyWriter2 profile image

      VarietyWriter2 7 years ago

      Great idea. Do you think if I planted one of these in the backyard that money will grow on it? lol Worth a try!

    • LouiseKirkpatrick profile image

      LouiseKirkpatrick 7 years ago from Berkshire, United Kingdom

      What a lovely idea! We're not nearly so inventive and personal here in the UK...our imaginations seem to be limited to putting money or a gift voucher in an envelope! Your Money Tree looked great! Blessed by a SquidAngel :)

    • paperfacets profile image

      Sherry Venegas 7 years ago from La Verne, CA

      The tree you created with the branches is top notch. Black would be perfect for the bats.


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