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GRATITUDE WHEN MONEY IS TIGHT

How to practice gratitude when money is tight: Rachael J Katz shares the bedtime prayers that carried her family through hard years, and simple daily practices.

By Rachael J Katz

Thanksgiving is coming, and if money is tight right now, the word gratitude might sting a little. I understand. There were years when I could barely afford groceries, and someone telling me to count my blessings would have felt like one more thing I was doing wrong.

I did learn to practice gratitude when money was tight. It looked different than I expected, and it started with two little boys and a bedtime routine.

PRAYERS FROM THE BUNK BEDS

In our RV years, every night ended the same way: teeth, story, prayer. My boys' prayers were simple, honest and sometimes a little silly.

““God, thank You for hot dogs and mac and cheese.””

They were thankful for what was right in front of them. They did not compare our dinner to anyone else's. Some nights they asked God to help me not be so stressed, which told me they saw more than I thought. Kids notice everything, and they also notice the good faster than we do.

After they fell asleep, I would lie in the dark listening to them breathe and whisper my own prayer:

““Thank You that we are here. Even here.””

GRATITUDE DID NOT WAIT FOR PERFECT

I had called that season rock bottom. We were living on welfare in a few hundred square feet, and the future felt like one long question mark. I did not expect to feel thankful inside it. But I did, and it surprised me.

“It felt strange to be grateful inside what I had once labeled rock bottom. But gratitude did not wait for perfection. It slipped in through the cracks.”

I want to be careful here, because gratitude can be used to shame people. Being thankful does not mean pretending the bills are fine or the fear is gone. Some nights I cried over overdue notices and still thanked God for my boys. Both were true at once.

Years later, I put it this way in the book:

“Practice gratitude not as a way to deny pain, but as a way to notice goodness alongside it.”

HOW DO YOU PRACTICE GRATITUDE WHEN MONEY IS TIGHT?

These are the small practices that helped me through those years. None of them cost anything.

  1. 1

    Keep it specific. Thank God, or simply name out loud, one real thing from today. A hot meal counts. So does a bill that got paid.

  2. 2

    Write it down. I kept a notebook full of budget numbers, and I wrote small wins in it too. On hard days, those pages reminded me that good things had happened.

  3. 3

    Let your kids lead. Ask them what they are thankful for at bedtime. Their answers are often simpler and wiser than ours.

  4. 4

    Say the hard part too. You can tell God you are scared and thankful in the same prayer.

  5. 5

    Notice the people. A friend who brings a meal or a neighbor who checks on you is provision. Tell them thank you.

IF THANKSGIVING FEELS HEAVY THIS YEAR

You do not need a big table or a perfect meal for it to count. If all you can manage this year is a simple dinner and one honest thank you, that is enough. If you are spending the day alone, or missing someone, you can still name one good thing and let that be your prayer. Gratitude grows with practice, a little at a time, the same way savings does. I wrote about the quiet prayers that carried me through those years in From Why Me to What Now.

If the season is also stretching your budget, my plan for avoiding holiday debt may help. The whole story is in Welfare to Wealthy, and the money steps I learned are in The Key. If you want to talk about your own next step, you can reach me here.

Quoted passages are from Welfare to Wealthy: A Single Mom's Remarkable Rise to Riches by Rachael J Katz.

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