Money often gets a bad reputation. Some say it’s the root of all evil, while others believe it’s the key to happiness. But what if we flipped the script? What if we saw money as a tool to better this world — not just our own lives, but the lives of others too? In this article, we’ll explore how money can be a force for good, how individuals and communities can use it wisely, and how you — yes, you — can make a real difference, no matter how much you currently have.
Understanding the Role of Money
To start, let’s understand what money really is. At its core, money is a tool — like a hammer. You can use a hammer to build a home or to break a window. It’s the same with money. It’s not good or bad by itself; it all depends on how it’s used. So when we talk about how to make money better this world, we’re talking about using that tool wisely. Think of money as fuel. It can power businesses, fund education, feed families, protect the environment, and support mental health initiatives — but only if we direct it there.
Why Money Gets a Bad Name
Many people grow up hearing things like:
- “Money doesn’t grow on trees.”
- “Rich people are greedy.”
- “Money can’t buy happiness.”
While there’s some truth in those sayings, they often overlook a bigger picture. Money doesn’t have to be the enemy. In fact, when used with intention, it can be one of the most powerful agents of change in the world.
In 2015, Sarah, a single mother from Oregon, lost her job. She had only $300 in savings and was terrified. But instead of hoarding it, she used that money to buy ingredients and started making homemade granola bars to sell locally. Today, her business employs ten women who were previously unemployed. Her money didn’t just save her — it changed others’ lives too.
How to Use Money to Better This World
So how exactly can money better this world? Here are several powerful ways:
1. Supporting Local Businesses
When you spend money at a local bakery instead of a big chain, you’re supporting your neighbor’s dream. That money goes back into your community, funding schools, roads, and local jobs.
2. Investing in Education
Funding scholarships, school supplies, or after-school programs helps young minds grow. Education is one of the most effective ways to reduce poverty and inequality.
3. Donating to Causes You Believe In
Whether it’s $5 or $5,000, donations add up. Whether you’re supporting climate change activism, medical research, or animal shelters, every bit counts.
4. Paying Fair Wages
If you’re a business owner, paying employees a living wage isn’t just ethical — it’s transformative. It uplifts families and boosts the economy.
5. Sustainable Investing
Instead of investing in just anything, focus on ethical and green investments. These are businesses that prioritize people, planet, and profit.
6. Funding Mental Health and Wellbeing
More people are struggling with anxiety and depression than ever before. Funding therapy access, mental health awareness, or meditation programs can improve society deeply.
Step-by-Step: Creating a Positive Money Plan
You might be thinking: “Okay, I want to help — but I’m not rich.” That’s perfectly okay. Here’s a simple step-by-step guide to help you start using your money for good, starting right now.
Step 1: Know Where Your Money Is Going
Track your expenses for 30 days. Apps like Mint, YNAB (You Need a Budget), or even a notebook can help. Be honest with yourself — this is key.
Tip: You’ll often find subscriptions or impulse buys you forgot about.
Step 2: Set Clear Money Goals
Decide what impact you want your money to make. Some examples:
- Support one local charity each month
- Save up to start an eco-friendly business
- Help a family member go to school
Write down your goals and make them time-bound.
Step 3: Create a Budget That Reflects Your Values
If you value sustainability, maybe spend less on fast fashion and more on ethical brands. If you love animals, consider donating to shelters monthly. Even small shifts in spending can make a big impact over time.
Step 4: Give What You Can
You don’t need to be a millionaire to give. Here’s a simple rule:
- 10% Give
- 20% Save
- 70% Live
Adjust these based on your situation. Even $5 can make a difference.
Step 5: Share Your Journey
Talk about how you’re using money to create change. Share on social media, with friends, or in your community. The more people who know, the more they’ll be inspired to do the same.
Real Stories: Everyday People Making a Big Difference
Let’s look at some real-life examples that show how money can better this world, even when you don’t have a lot of it.
1. The $1 Tip That Changed Everything
In New Jersey, a customer once left a $1 tip along with a handwritten note that said: “Thank you for your smile — it made my day better.” That barista, who had been struggling with depression, said that small act reminded her she mattered.
2. The Teen Who Built a Water Well
Ryan Hreljac was just six years old when he learned that people in Africa were dying from dirty water. He started doing chores to raise money. By the age of 10, he had raised $70,000 and built a well in Uganda. Today, Ryan’s Well Foundation has built over 1,000 water projects worldwide.
3. The Retired Couple and the Bus Stop
A retired couple in Florida noticed kids waiting for the school bus with no shelter. They used part of their retirement savings to build a small covered bus stop. Now, kids have a safe place to wait — rain or shine.
Challenges and How to Overcome Them
Let’s be honest: using money to better this world isn’t always easy. There are obstacles, such as:
1. Financial Struggles
If you’re barely making ends meet, giving might seem impossible. In this case, consider giving time instead of money. Volunteering is just as powerful.
2. Fear of Losing Security
Many people hold on tightly to money because of fear. That’s understandable. But building a safety net and then giving slowly and intentionally can help you feel safe while still making a difference.
3. Lack of Trust in Charities
Not all nonprofits are created equal. Do your research. Sites like Charity Navigator can help you find trustworthy organizations.
Final Thoughts
When we think of money as a tool — not just for buying things, but for bettering this world — we start to see it in a new light. You don’t have to wait until you’re rich. Start with what you have. A few dollars. A few hours. A new mindset. What matters most is intention.
