How To Give Someone Money Without Offending Them? [9 Tips]

We all love to be generous and we always want to show our love to the person who is close to us.

But when it comes to giving someone money, most people avoid it because they think that it may offend the person.

In this article, I will share with you some easy ways how to give money to someone without offending them.

I will also share some polite phrases and wordings so that you don’t have any problem while giving the money to the person.

9 Effective Tips To Give Someone Money Without Offending Them

Giving money is a kind gesture and everyone loves to be treated with a kind gesture.

If you know someone who is having a hard time financially, you can help them by giving them some money.

But, before you start, you need to know how to give someone money without offending them.

Here are the most effective ways to give someone money without hurting their feelings.

1. Give Cash To Him/Her Anonymously

Give Cash To Him OR Her Anonymously

This is the best way to give someone money.

If you do this, you won’t get any kind of response from them.

So, you can safely and anonymously give money to your loved one.

You can simply write a note “I want to give you something but I don’t want you to tell anyone about it. So, here’s your cash”.

You can also write, “I would like to give you $100 but I’m not comfortable giving it to you in front of my family and friends.”

Since it’s anonymous your money won’t be considered rude. Plus, if he/she needs the money, they’ll use it for a good cause.

You can also leave your gift money at their workplace so that they can use it without having to think twice.

It’s simple and no one has to know about it. 

2. Try The Fake Head Trick

Try The Fake Head Trick

How about giving them a gift and hiding some money inside?

Imagine they are receiving many gifts on occasion. And how about giving a gift with cash (unnamed gift) with your actual gift (your named gift)?

And when they open the box then you must pretend like you don’t know what they’re talking about if they ask you about it.

Books work well for this. You just need to hide them and wrap them with paper or something.

When they open the book, they will find the hidden money!

But don’t forget to write something to it like:

“You may be wondering what this book is. But since I love you, I wanted to give you a little extra. Love, your friend.”

“I hope you enjoy reading this book as much as I enjoyed giving it to you. It has been so fun to give you this gift. Have a great day and keep reading!”

You’ll see they are really happy to get the money!

Related article:

How To Say Thank You For an Unexpected Gift [40 Easy Ways]

3. Wait For Any Holiday or Birthday To Pay Them as a Gift

Wait For Any Holiday or Birthday To Pay Them as a Gift

You can also give money on someone’s birthday or any holiday, and they won’t expect anything from you.

Just ask them:

“Hey! Would you like me to give you some money for Christmas?”

“I thought about giving you some money for your birthday next week. I’m sorry I didn’t think about it sooner, but I had a lot of things to do recently. If that’s OK, would you like some money?”

And if they say “No”, don’t get disappointed because it’s really up to you.

You have to give them the money when they least expect it.

But you should also make sure that you do it the right way. You should ask for permission first.

Helpful articles:

13 Wording For Giving Money Instead Of Gifts For a Birthday

How To Ask For Money Instead of Gifts For Birthday [My 10 Tips]

4. Ask Him/Her Directly If He/She Needs Money

Ask Him or Her Directly If He or She Needs Money

Having an honest conversation can also help you if you want to know if your friend needs money or not.

You can start a conversation like this:

“Hey, I was thinking about Christmas and I wanted to ask you about it. Have you got any plans for the holidays? If so, do you need any money?

If he/she says no, it’s OKAY. You are not taking advantage of him/her.

If he/she says yes, then you can be honest with him/her:

“I want to buy you something for Christmas. Do you need any money?

Of course, if he/she still wants money from you, you should not refuse because that’s just being rude.

Instead, you can simply say:

“That’s great. I can give you some money. I hope that will help you in some way or another.”

With just a simple honest conversation you can know what’s going on and avoid hurting anyone’s feelings.

5. You Can Treat Him/Her To Things Rather Than Only Money

(Try this tip only if they are hard to convince to accept money from you.)

Well, you want to help your friend. But do you know you can do this just by treating them with other things like dinner, shopping, movie tickets, etc?

You can treat him/her to all these things as gifts and you can do it without expecting anything in return.

That will make your friend feel special and appreciated.

Also, read:

How To Convince Someone To Accept a Gift? [9 Easy Ways]

6. Offer Him/Her Money as a Loan (Installment)

Offer Him or Her Money as a Loan

If they are feeling embarrassed or not comfortable taking the money you can just offer them money as an installment.

If your friend is a hard worker, you can offer him/her a monthly or weekly installment.

In this way, he/she will be able to pay back their loan gradually.

This is something that will not hurt their feelings and they won’t feel bad about receiving it.

Tell him/her:

“Hey! I am offering it as an installment plan for your college fees (or any cause). I am just giving you money so that you can use it to buy the necessary things for your studies. So, let me know if you need any more help.”

7. Ask Them To Volunteer For You (That’ll Help Them To Earn)

Ask Them To Volunteer For You

Suppose your friend is good at drawing.

In this case, ask him/her to paint some of your wall pictures.

Offer them a few dollars in return, but make sure that they get paid when they deliver their work.

This is another way that will help them to earn money without feeling uncomfortable.

Make your friends happy by offering them a little bit of extra cash.

Just tell them:

“Hey, I am not asking you to pay for your painting. Just deliver the final product to me and get paid. Let me know what other ways you can help me.”

Or try saying,

“I am going to be working on my art over the weekend. I need someone to give me a hand and paint this picture for me. Can I count on you?”

8. Push Them Hard To Accept Your Money (Only If They are Close To You)

Push Them Hard To Accept Your Money

If he/she is a very close friend of yours then you can easily insist on them accepting your money.

This is a nice way of showing them that you trust them.

It is really up to you how far you can push your friend to accept money.

But if he/she is not a close friend of yours then you should try to avoid this.

Try asking them if they are okay with accepting your money or not. And make sure to only offer them when they agree to accept it.

You can say some hard-hitting words like:

“If you don’t accept my help, then I will have no choice but to stop helping you. And never talk to you.”

“I insist you take it from me. Don’t refuse me. Please!”


“I am desperate for you to accept this. I have no option than to force you.”

And I bet you they would say yes and want to accept your help.

9. Complete/Fulfill Their End Goal

Complete or Fulfill Their End Goal

So, you tried all eight tips and still failed to convince him/her to accept your money.

Then, this my last tip is for you.

Somehow you must find their end goal. Meaning, what do they want to have money for? Or Is there any financial issue going on with them?

However, if the answer is yes, then it’s time for you to go all out to help them fulfill their end goal.

For example, when someone says they are interested in a new car, I give them a better car.

When they say they need a new computer, I get one for them.

Don’t just give them your money, give them something else too. This will make them feel you genuinely care about them.

And also while giving you can use some phrases like:

“I know that you needed a computer (any item) last month, but now that you’re saving so much money you can afford to have a new one. Here’s the deal. You can have it or you can use this gift card. Your choice.”

“I have seen you going financially unstable lately because of a certain situation. I have paid your college fees and you don’t have to worry about this year.”

“I saw you were looking for a new mattress and here is a great one I’ve been using and I think you’ll love it. What do you think?”

These were some of my creative and thoughtful ways to give someone money.

With these tips, you will be able to handle the situation of ‘how to give someone money without them knowing‘ smoothly.

Keep reading the article, I have also shared the right wordings and phrases you need to use.

How To Help Someone Without Offending Them [Wording & Phrases]

How To Help Someone Without Offending Them

It’s obvious that when you give someone cash they might feel uncomfortable.

But how do you avoid feeling awkward when giving someone money? How can you make them comfortable with you asking for money?

So to avoid them feeling offended, I’ve listed below some phrases and words that will help you offer them what they want without it being a hassle.

“Since I have some extra money, I wanted to help you out.”

“I noticed that you haven’t been taking care of yourself lately. I don’t mind if you take this cash as a gift. Please let me know what I can do more for you.”

“I have a few dollars left over from my salary. Would you like me to give you this? You can return it to me next month.”

“I know that I might offend you, but I was wondering if you needed any more bucks or supplies.”

“Is there anything I can do for you? I just wanted to see if you needed anything else.”

“I think I’ve got more money than what I need for the week. Is there anything you would like?”

“I’m not trying to make your life difficult. I just thought of it because I have the extra money in my bank account. I’m always trying to figure out things to spend my money on.”

“Do you have anything else you would like me to buy you? If you do, I can buy it for you. Otherwise, I won’t bother you.”

“Here is some money for you. I would like you to use this money, but if you don’t want to, I’ll accept it back.”

I think you get the idea. These phrases are easy to say and even more easy to hear. And with these phrases, you won’t offend them and it will be easier for you to help them.

What To Write When Giving Money To Someone In Need

What To Write When Giving Money To Someone In Need

If you are thinking about what to write on a card when giving money to someone in need, here is what to write.

These words can also be used when buying gifts for someone.

You can write:

“I hope you will be able to use this money to buy something that will make you happy.”

“I hope this money will enable you to accomplish your goal.”

“Please use this money to buy something that will help you grow in your faith.”

“I am glad to know that you have a need and I hope you will be able to meet this need.”

“I hope this money will help you overcome your problem.”

“I am glad to see that you have received help. Please keep me informed as to how things are going.”

“I am helping you in the name of Jesus and I hope you will use my help to do good works.”

“You have a big heart and I hope you will be able to use this money to help those who need it.”

“Thank you for being so generous with your time and money. I hope that this helps you in some way.”

“I hope this money will enable you to pay off debts and you will be debt-free.”

“May God bless you and give you the strength to get through your financial problems.”

These phrases will help you get a lot of mileage out of this act of kindness.

And remember that you can always add something to a greeting, such as “in Jesus’ name,” or “in the Lord’s name.”

Give Money To a Friend Without Hurting His Feelings [Wordings You Must Use]

Give Money To a Friend Without Hurting His Feelings

If you are trying to help out a friend, colleague, or family member, remember to always be sincere.

If you think they might feel awkward about receiving money from you, try to buy them something.

How to help your financially struggling friend

You could say:

“I am sorry that your car broke down, but I want you to know that I am here for you. I hope you will let me help you out financially until you find a new one.”

“I am sorry about the fact that you lost your job, but I’m happy that you’re staying home and taking care of the kids. I’d like to help you pay for some of the expenses.”

“I’ve noticed you need a few extra dollars. I can cover your next three bills if you let me give you this money.”

“I want to give you some money because you deserve it and I want you to have it.”

“You can keep this money as a reward for helping yourself. It will help you get back on your feet.”

“I am sure that you’ll use this money to get your place and live a better life than the one you are living now.”

“I’d like to lend you the money and I’m sure you’ll pay me back when you’re able to. But until then, I’ll be happy to keep paying for your food, gas, etc.”

“I’m sorry that you are going through a difficult time, but you are someone special to me and I want to help.”

“I hope that you won’t mind my saying so, but I love you and I want to make sure that you have what you need in life.”

You can use any one of these phrases as per your situation and needs, but all of them should reflect the truth.

Also, you should know that you are not obligated to help anyone.

In case your friend refuses your help, you can either continue to offer or you can choose to stop your help.

You should try to help those who truly need it without expecting anything in return.

How To Offer To Pay For Something Without Offending [Phrases To Use]

How To Offer To Pay For Something Without Offending

Paying for someone is the best thing you can do for another person.

It shows that you respect them and it shows that you appreciate the fact that he/she is paying for you.

But it can also be annoying. If you are not ready to pay for everything and do not know where to start, just ask.

You don’t want to be rude and you don’t want to be accused of being a cheapskate.

So how do you offer to pay without offending people?

Here are the phrases to use:

“It would be my pleasure to pay for the dinner.”

“I’ll take care of the bill. Would you like to join me?”

“I’d be happy to pick up the tab.”

“It’s been a long I have been waiting to give you a treat.”

“Would you mind if I pay for (any item) for you?”

“I hope you won’t mind but I’m going to pay for the drinks.”

“I know you are on a budget, so I would love to treat you tonight.”

“Here is my credit card. And I am on a good budget. Let me pay for you.”

These are some wording you can use in your situation. As you can see, there is no mention of money at all.

Instead, you use things that mean nothing bad about the person you are asking.

Is It Rude To Offer Someone Money?

It depends on what you are trying to say.

You cannot be rude by offering someone money.

The only time it could be rude is if you say “Here is my wallet” and expect them to pay.

Then it could be considered rude because they may think you want the money for yourself.

However, it is always polite to accept an invitation. If you don’t accept the invitation, then you could consider yourself rude.

But if you accept it, it means that you are saying yes and want to go out with them.

Also, if someone offers you money, you don’t have to accept it.

You can say thank you, but you don’t have to accept it. You can decline and explain why.

This is what most people do, so don’t worry about offending someone if you don’t accept their offer of money.


Can you give money to a friend?

If you have a friend that needs money, you can give it to them. If you do this, then you are showing that you are kind and good to your friends. It doesn’t matter if you don’t have much money or a lot of money, as long as you give money to a friend.

Is it OK to help someone financially?

If you want to be a good person, you should help other people financially. People in need are always grateful for the help, especially when they don’t have any money. They will often take the money that you give them and use it to get by in life.

How much cash can I give to someone?

You can give them as much money as you want, but if you are giving them more than 50 dollars, then you are being too generous. Don’t give your friends a lot of money, because they may not be able to pay you back.

What do you say when gifting money?

You should say something along the lines of “You deserve it because you help me out.” Do not say anything else. This way, your friend is going to know that you mean business.


How To Give Someone Money Without Offending Them - Conclusion

So, I hope with these 9 tips, phrases, and wordings on how to give someone money without offending them, you will have a better understanding of how to be generous when it comes to giving someone money or even getting money from them.

Also, let us know do you have any stories/incidents of giving money to someone without offending them.

Share what tip helped you in the comment section below!

Read more articles:

Crafting a No-gift Policy: 29 Tips and Tricks

6 Ways To Give Family And Friends Financial Aid

How To Say Hope You Will Like The Gift [21 Beautiful Ways]

How To Uninvite Someone Politely? [Phrases & Excuses To Use]

Your friendly neighborhood. I do SEO (Freelance Content Writer), and sometimes I cook food.

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