saving money quotes

Saving Money Quotes, Sayings & Phrases to Increase Your Savings

Discover the Thrift and Insight of Saving Money Quotes

Are you ready to dive into a world of saving money, inspiration, and wisdom?

Well, get ready, because we’ve got a treasure trove of money-saving quotes just waiting to ignite your frugal fire!

We all know that saving money is like a secret superpower.

It helps us build a solid foundation for our future, fulfill our dreams, and live life on our own terms.

And what better way to fuel our financial journeys than by soaking up the wisdom of those who have conquered the art of saving?

In this article, we’re going to treat you to an epic compilation of money-saving quotes that cover all the bases.

We’re talking frugality, simple living, resourcefulness, thriftiness, budgeting, expenses management, retirement planning, long-term goals, minimalism, minimalist lifestyles, automated saving, paying yourself first—the whole enchilada!

Get ready to be inspired, educated, and motivated as we share the timeless words of financial gurus and ordinary folks who have mastered the money-saving game.

These quotes are like little nuggets of truth that can transform our perspectives on saving money and guide us toward a brighter, more prosperous future.

So, buckle up and prepare to embark on this enlightening journey with us.

Let these quotes be your trusty companions, lighting the way as you navigate the twists and turns of your financial path.

Together, we’ll unlock the secrets of saving money, and reclaiming control over our financial destinies.

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98 Saving Money Quotes List

Automating Saving and Paying Yourself First

“Someone’s sitting in the shade today because someone planted a tree a long time ago.”  – Warren Buffett

“Save when you don’t need it, and it’ll be there for you when you do.” – Frank Sonnenberg, the Author of The Path to a Meaningful Life

“To Become Rich — You Must Value Saving More than Spending.” – George Choy, the Author of RETIRE NOW! Your Blueprint to Financial Freedom Through Property

“Savings can be created by spending less. You can spend less if you desire less.

And you will desire less if you care less about what others think of you.” – Morgan Housel

“If we command our wealth, we shall be rich and free. If our wealth commands us, we are poor indeed.” – Edmund Burke

Avoiding Lifestyle Inflation

“It takes as much energy to wish as it does to plan.” – Eleanore Roosevelt

“Every time you borrow money, you’re robbing your future self.” – Nathan W. Morris, the Author of Your 33 Day Money Action Plan

“Too many people spend money they haven’t earned to buy things they don’t want, to impress people that they don’t like.”– Will Rogers

“There is a gigantic difference between earning a great deal of money and being rich.”– Marlene Dietrich

“Rule No.1: Never lose money. Rule No.2: Never forget rule No.1.” – Warren Buffett

“A fool and his money are soon parted. “– Thomas Tusser

“If saving money is wrong, I don’t want to be right!” – William Shatner

“Save money on the big, boring stuff so that you have something left over for life’s little pleasures.” – Elisabeth Leamy, the Author of Save Big: Cut Your Top 5 Costs and Save Thousands

“Money is like love; it kills slowly and painfully the one who withholds it, and enlivens the other who turns it on his fellow human.”– Kahlil Gibran

“Every day is a bank account, and time is our currency. No one is rich, no one is poor, we’ve got 24 hours each.” – Christopher Rice

“Resolve not to be poor: whatever you have, spend less. Poverty is a great enemy to human happiness; it certainly destroys liberty, and it makes some virtues impracticable, and others extremely difficult.” – Samuel Johnson

“Getting straight with your money is as complicated as a trip to the grocery store: You need a comparison shop, add and subtract, stick with a plan, and ask questions — nothing more.” – Elizabeth Warren, one of the authors of All Your Worth: The Ultimate Lifetime Money Plan

Budgeting and Expenses Management

“A budget is telling your money where to go instead of wondering where it went.” – John C. Maxwell

“Don’t tell me what you value, show me your budget, and I’ll tell you what you value.” – Joe Biden

“Financial peace isn’t the acquisition of stuff. It’s learning to live on less than you make, so you can give money back and have money to invest. You can’t win until you do this.” – Dave Ramsey, the Author of More than Enough: The Ten Keys to Changing Your Financial Destiny

“While money can’t buy happiness, it certainly lets you choose your own form of misery.” – Groucho Marx

“Assets put money in your pocket, whether you work or not, and liabilities take money from your pocket.” – Robert Kiyosaki

“The stock market is filled with individuals who know the price of everything, but the value of nothing.” – Philip Fisher, the Author of Worlds Within Worlds

Debt Management and Debt-Free Living

“Once you really accept that spending money doesn’t equal happiness, you have half the battle won.” – Ernest Callenbach, the Author of Living Cheaply With Style: Live Better and Spend Less

“He who will not economize will have to agonize.” – Confucius


“Do not save what is left after spending, but spend what is left after saving.” – Warren Buffet

“It is great wealth to a soul to live frugally with a contented mind.” – Lucretius

“By sowing frugality we reap liberty, a golden harvest.” – Agesilaus

“The way to wealth is as plain as the way to market. It depends chiefly on two words, industry and frugality: that is, waste neither time nor money, but make the best use of both. Without industry and frugality nothing will do, and with them everything.” – Benjamin Franklin

“Frugality is one of the most beautiful and joyful words in the English language, and yet one that we are culturally cut off from understanding and enjoying. The consumption society has made us feel that happiness lies in having things, and has failed to teach us the happiness of not having things.” – Elise Boulding

“Being frugal does not mean being cheap! It means being economical and avoiding waste.” – Catherine Pulsif, one of the Authors of Into Full Flower: Making Peace Cultures Happen

Minimalism and Minimalist Lifestyle

“Wealth is the ability to fully experience life.” – Henry David Thoreau

“Money looks better in the bank account than on your feet.”  – Sophia Amorus

“When I was young I used to think that money was the most important thing in life; now that I am old, I know it is.” – Oscar Wild, the Author of The Importance of Being Earnest

“Wealth consists not in having great possessions but in having few wants.” – Epictetus

“Saving is the gap between your ego and your income.” – Morgan Housel, the Author of The Psychology of Money

“Money should be one’s demand and not command, one should not become a slave of Money because we made money to help us trade and not to make us, we’re already made even without money.” – Auliq Ice

“Know what you own, and know why you own it.” – Peter Lynch, the Author of Learn to Earn: A Beginner’s Guide to the Basics of Investing and Business

“Great minds save before they spend, but idiots spend as soon as the income arrives, they never plan because they never save.” – Anath Lee Wales

“Money, like emotions, is something you must control to keep your life on the right track.” ― Natasha Munson


“He who buys what he does not need, steals from himself.” – Swedish Proverb

“When money realizes that it is in good hands, it wants to stay and multiply in those hands.” – Idowu Koyenikan, the Author of Wealth for All: Living a Life of Success at the Edge of Your Ability

“There are people who have money and people who are rich.” – Coco Chanel

“You can make money two ways – make more, or spend less. ”– John Hope Bryant, the Author of Up from Nothing: The Untold Story of How We (All) Succeed

“If you would be wealthy, think of saving as well as getting.”  – Benjamin Franklin

“Money should be mastered, not served.” – Publilius Syrus

“Some of the wealthiest people in the world became wealthy by saving money.” – Doug McMillon

“Investing puts money to work. The only reason to save money is to invest it.” – Grant Cardone, the Author of Millionaire Booklet: How to Get Super Rich

“The quickest way to double your money is to fold it over and put it back in your pocket.” — Anonymous

Saving for Retirement and Long-Term Goals

“Many people take no care of their money till they come nearly to the end of it, and others do just the same with their time.” – Johann Wolfgang von Goethe

“It’s not how much money you make, but how much money you keep, how hard it works for you, and how many generations you keep it for.” – Robert Kiyosaki

“It is never too early to encourage long-term savings.” – Ron Lewis, the Author of Miracles in Manhattan

“By definition, saving – for anything – requires us to not get things now so that we can get bigger ones later.”  –  Jean Chatzk

“Focus on all four of your net worth factors: increasing your income, increasing your savings, increasing your investment returns, and decreasing your cost of living by simplifying your lifestyle.” – T. Harv Eker, the Author of Secrets of the Millionaire Mind: Mastering the Inner Game of Wealth

“Small amounts saved daily add up to huge investments in the end.” –  Margo Vader

“Every pound is a seedling. Invest your seedlings to create a tree. Re-invest your seedlings to grow a forest.” – George Choy

“Saving money Today secures, eases, and beautifies Tomorrow.” –  Ehsan Sehgal

“Saving allows us to survive but investing enables us to thrive.” –  Logan Allegianis-Pierce

“Effective saving can lead to a successful wealth achievement.” – Anath Lee Wales, the Author of THE LIGHT IN DARK LIFE: The true guide to enhance your relationships and explode your loneliness

“A penny here, and a dollar there, placed at interest, goes on accumulating, and in this way the desired result is attained. It requires some training, perhaps, to accomplish this economy, but when once used to it, you will find there is more satisfaction in rational saving than in irrational spending.” – P. T. Barnum

“Money is a guarantee that we may have what we want in the future. Though we need nothing at the moment it insures the possibility of satisfying a new desire when it arises.” – Aristotle

“Successful investing involves doing a few things right and avoiding serious mistakes.” – Anonymous

“If you wish to get rich; save what you get. A fool can make money, but it takes a wise and clever man to save and organize it to his own advantage.”  – Anonymous

Simple Living

“The price of anything is the amount of life you exchange for it.” – Henry David Thoreau

“Wealth is not his that has it, but his that enjoys it.” – Benjamin Franklin

“I believe that thrift is essential to well-ordered living.” – John D. Rockefeller

“The bitterness of poor quality remains long after the sweetness of low price is forgotten.” – Benjamin Franklin

“Money amassed either serves us or rules us.” – Horace

“The bitterness of poor quality remains long after the sweetness of low price is forgotten.” – Benjamin Franklin

“A man who both spends and saves money is the happiest man because he has both enjoyments.” – Samuel Johnson

“Money is a terrible master but an excellent servant.” –  P.T. Barnum, the Author of The Art of Money Getting

“Deprive yourself of nothing necessary for your comfort, but live in an honorable simplicity and frugality. “ – John McDonough

“Waste neither time nor money, but make the best use of both.” – Benjamin Franklin

“Money is only a tool. It will take you wherever you wish, but it will not replace you as the driver.” – Ayn Rand, the Author of The Virtue of Selfishness 

“Many people save money and time to accomplish nothing in life.” – Tamerlan Kuzgov

“Don’t think money does everything, or you are going to end up doing everything for money.” – Voltaire

“If a man is proud of his wealth, he should not be praised until it is known how he employs it.” – Anonymous


“Never spend your money before you have it.” – Thomas Jefferson

“The habit of saving is itself an education; it fosters every virtue, teaches self-denial, cultivates the sense of order, trains to forethought, and so broadens the mind.” – T.T Munger

“A penny saved is a penny earned.” – Benjamin Franklin

“The safe way to double your money is to fold it over once and put it in your pocket.” – Kin Hubbard

“Being a smart shopper is the first step to getting rich.” – Mark Cuban, the Author of How to Win at the Sport of Business: If I Can Do It, You Can Do It

“It is thrifty to prepare today for the wants of tomorrow. ”– Aesop

“Empty pockets never held anyone back. Only empty heads and empty hearts can do that.” – Norman Vincent Peale, the Author of The Power of Positive Thinking: 10 Traits for Maximum Results

“The art is not in making money, but in keeping it.” – Jewish Proverb

“Prosperity is the fruit of labor. It begins with saving money.” – Anonymous

“Never depend on a single income. Make the investment to create a second source.” – Anonymous

Living Within Your Means and Avoiding Overspending

“You must gain control over your money or the lack of it will forever control you.” – Dave Ramsey

“Beware of little expenses; a small leak will sink a great ship.” –  Benjamin Franklin

“Stop buying things you don’t need, to impress people you don’t even like.” – Suze Orman

“The more your money works for you, the less you have to work for money.” – Idowu Koyenikan, the Author of Wealth for All: Living a Life of Success at the Edge of Your Ability

“Many folks think they aren’t good at earning money when what they don’t know is how to use it.” – Frank A. Clark, the Author of Pinky: Poverty to Prosperity

“Budgeting has only one rule: Do not go over budget.” – Leslie Tayne

“Keep your eyes on the price when spending, don’t regret later to find that you have nothing for tomorrow.” –  Auliq Ice

“Don’t tell me where your priorities are. Show me where you spend your money, and I’ll tell you what they are.” – James W. Frick

“Money is multiplied in practical value depending on the number of W’s you control in your life: what you do, when you do it, where you do it, and with whom you do it.” – Timothy Ferriss

“If you spend more than you earn, it simply means that you might be having a serious problem which may be even mental.” – Anath Lee Wales, the Author of THE VICTORY GATES: The true guide to become successful in both life and business

Overview of this Saving Money Quotes Article

You’ve reached the end of our enlightening journey through a collection of powerful saving money quotes.

We hope that these nuggets of saving wisdom have left an indelible mark on your mind and ignited a spark of inspiration within you.

As we close this chapter, let’s reflect on the valuable lessons we’ve learned.

We’ve witnessed the strength of frugality, the beauty of simplicity, and the resourcefulness that lies within each of us.

We’ve explored the art of budgeting and expenses management, recognizing that small changes can have a profound impact on our financial well-being.

The importance of saving for retirement and long-term goals has been emphasized, reminding us to think beyond the present moment and secure our financial future.

We’ve contemplated the power of minimalism and the freedom it brings, teaching us to focus on what truly matters and live intentionally.

Furthermore, we’ve embraced the concept of automated saving and paying ourselves first, acknowledging that building wealth starts with prioritizing our own financial security.

We’ve recognized the importance of living within our means, avoiding the pitfalls of overspending and the temptations of lifestyle inflation.

Lastly, we’ve delved into the realm of debt management and debt-free living, understanding that financial freedom comes from breaking free of the shackles of debt and taking control of our financial destiny.

Remember, the wisdom contained within these quotes is just the beginning.

It’s up to each of us to translate these insights into actionable steps that propel us toward our financial goals

 Let these saving money quotes serve as constant reminders of the principles we hold dear and the financial future we aspire to achieve.

Here’s to a lifetime of saving money, and enjoying the rewards of financial success.

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