What to Write When Giving Money as a Gift

Money is a universal gift and regardless of the occasion it’s being given for, one size fits all. Some people are uncomfortable about giving money, afraid it will seem impersonal.

Recipients don’t seem to mind, a recent poll revealed that cash is among the most favored gifts for the holidays.

💸 Gifting Occasions Where Money May be Given

If gift giving is in order for an occasion, money is an acceptable present. Birthdays, Christmas, Easter, anniversaries, weddings, wedding and baby showers, engagements, get well, encouragement, and even the death of a loved one are examples of times money might be gifted. And don’t forget “just because” cash gifts.

🤗 Making it Personal

There is a fine line with gifting cash. It can appear that you were just being lazy, not wanting to exert the effort to shop for a present.

Although most recipients are happy to receive money, if you are going to give it, you do want to make it as personal as possible.

One way to make your cash gift more heartfelt is to include a written note or sentiment in the card or envelope. Here are some suggestions on what to write when you are giving money as a gift:

Funny bone

Giving money can be awkward, so why not laugh it off? If you’re giving for a birthday, holiday, or medical situation that isn’t serious, try out some of these messages:

  • Money doesn’t buy happiness. Just kidding. It buys tacos and tacos make us happy. Enjoy and don’t eat too many tacos.
  • Hope you don’t mind going green for your birthday!
  • What do you get a person who has everything? Money! Enjoy!
  • BYOP. Buy Your Own Present! Enjoy!
  • Hope it fits! Love you bunches!
  • Money Matters. It really does. Enjoy!
  • Thought you’d like some bills! No. No, not that kind…dollar bills!
  • Thought you might knead some dough!

Sentimental side

More and more people are sending money in lieu of flowers for funerals because it is typically needed and appreciated. Flowers die. Money doesn’t. There are other occasions where cash or a check are gifted that are serious as well such as when someone is going through chemo or is in the hospital. Consider writing something like:

  • I’m so sorry for your loss. Please accept this gift from our family to yours.
  • I know things are difficult right now. Hopefully this gift will make a small difference.
  • Times are tough right now, but they won’t always be. Please accept this gift from my heart to yours.
  • Money can’t solve all the problems, but it can make things a little easier. Please know that I am rooting for you.
  • It’s not much but I hope it makes a difference. I’m praying for you.
  • Here’s a little cash to stash…or spend.
  • Got you some dough. Thought you might knead it!
  • There’s a rainbow after the storm but until then, here’s some money to help get you through.
  • Just a little something so you know that I care.

🎉 By Occasion:


  • Make a wish and blow out the dollars.
  • I made you a birthday cake. It was delicious! Next time I’ll save some for you. In the meantime, you can buy one…or something.
  • BYOG. Buy your own gift. You’re better at it than I am.
  • Shop till you plop.
  • Heard you were going green! This should fit right in.


  • Oh deer…some bucks for Christmas.
  • Put some jingle in your pocket!
  • In honor of the season, let this be a reason…to smile.
  • Merry and Bright is better with a little jingle in your pocket.
  • Just a note. Literally. A note…bank note.
  • Thought I’d check in for Christmas. A check…get it? He-he-he!
  • Everything’s merrier with money!
  • Chestnuts roasting on an open fire and a little money to burn.
  • A little green under the tree…from me.

Valentine’s Day

  • Didn’t get around to baking cookies. But here’s some dough.
  • I know things have been heart lately so here’s a little stash of cash.
  • Roses are red. Clowns are funny. Thought you might like…a little money.


  • The weather outside is frightful, but shopping is delightful. Enjoy!
  • When everything else is snowy and white, thought you might enjoy some green.
  • It’s always nice when things turn green.
  • Thought you might like some cold cash.
  • Guess the tree isn’t all that’s green this year.
  • Hope this puts a twinkle in your holiday.
  • It’s a Winter Wonderland! Wonder what you’ll spend this on. Stay Warm and…Enjoy!
  • Penguins keep their cash in snowbanks. But do what you please with yours. Enjoy!

New Years

  • A little cheer for your pocket.
  • Start the New Year right.
  • Here’s to a prosperous year.
  • A little something to help you celebrate the new year.
  • It’s a brand-new year. Hope this one is better than the last.
  • Usher the new year in the right way…the green way. Enjoy!


  • Hopping by to make sure you had a little eggstra money.
  • Somebunny stopped by to leave a little cash. Enjoy!
  • Hope this makes you jump for joy!
  • Happy Easter. BYOE Buy Your Own Eggs!
  • Happy Spring! Buy yourself something!


  • Congratulations on your accomplishment. Enjoy!
  • You did it! I’m just as surprised as you. Congrats!
  • Congrats. Don’t spend all of it on tacos…(get pizza too!)
  • I was going to get you a car. But it wouldn’t fit in the envelope. This will have to do.
  • Life is a highway. You’ll need gas!


  • Money will come and go but may your love forever grow.
  • Marriage is beautiful…and expensive. Hope this helps!
  • To a beautiful couple – enjoy your new lives together (and a little cash).
  • At least it’s not another toaster!
  • Money goes fast…here’s some cash.
  • Here’s a little cash for your honeymoon bash.
  • Love is in the air. Enjoy.
  • Here’s to your future and to good fortune.
  • A little green for the white wedding. Best Wishes!


  • You’re going to need this. Now go buy some diapers!
  • Babies are expensive. Hope this helps.
  • Girl or boy. Please enjoy.
  • It’s small but hope you still like it. Not the baby, silly. The cash!
  • Babies grow fast. They grow like weeds. Here’s some cash. To buy clothes or whatever baby needs. A sprinkling of cash for baby’s shower. Enjoy!
  • Babies are cheap. Buy whatever you need.
  • For baby’s changing needs. Literally. Buy some diapers!


  • We’re going to miss you more than you’re going to miss us. Please accept this token of our appreciation for the years you served the company.
  • Now you can do what you want…’round the clock!
  • Just so you don’t get bored.
  • After all this time, NOW you can be young again.
  • Retirement is a beach. Here’s a little cash to stick in your Speedos.
  • Follow your dreams. Here are a few dollars to help.
  • Now you can do all the nothing you want. So here’s a little something to help you do it with.

🖌️ Get Creative

Who says giving money is boring? You can spice it up with words and in the presentation as well.

For fun, try wrapping an envelope of bills in duct tape or have cards leading the recipient on a scavenger hunt that ends in a little pot of gold.

You can give a book and put different denominations of cash in between the pages for a nice read.

Kids will love cash stashed inside helium or air-filled balloons.

Build a money tree or fill an empty box of candy to add a “wow” factor.

Money is a fabulous gift when you use your imagination and make it as special as the person who’s receiving it.

Cheryl Jerabek
Cheryl Jerabek
Cheryl is a professional writer that has been writing ever since she could hold a crayon. She has authored over 200 fiction and non-fiction books for teens and adults (both credited and ghost-written) on a wide range of subjects. Cheryl also writes blogs and articles on various topics and themes. Residing in a small mountain community in Southwest Colorado, Cheryl draws her inspiration from the gorgeous scenery, her 2 adult children, and 3 grandchildren. She enjoys traveling, party and event planning, and hanging out with family and friends. “I write so you don’t have to,” is Cheryl’s motto.

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