148 Saving Money Quotes To Help You With Your Personal Finance

Do you keep trying to save money, but always find yourself slipping back in to bad spending habits?

Sometimes, all we need is an inspirational reminder and positive reinforcement for our actions.

Saving money can be a hard task. Our loud inner voices are continuously telling us that we need more things.

As a result it’s tough to stay motivated with your financial goals and keep moving forward.

Reading wise words from famous people in the form of sayings, or “money quotes”, could be your secret weapon against the temptation of unnecessary purchases.

Here’s a list of some great quotes about saving, investing and managing money that can help turn your financial life around.

Don’t have time to read the whole guide right now?

No worries. Let me send you a copy so you can read it when it’s convenient for you. Just let me know where to send it (takes 5 seconds):

148 Saving Money Quotes To Help You With Your Personal Finance

“Do what you can, with what you have, where you are.”
“Wealth consists not in having great possessions, but in having few wants.”
“Save money by being frugal if you want true financial freedom.”
“You must gain control over your money or the lack of it will forever control you.”
“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.”
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.”
“Do not waste your money in vain or spend it on things that will diminish; preserve and increase your riches.”
“Frugality includes all the other virtues.”
“There are two ways to get enough: one is to continue to accumulate more and more, the other is to desire less.”
“It takes as much energy to wish as it does to plan.”
“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.”
“A penny saved is a penny earned.”
“Don’t tell me what you value, show me your budget, and I’ll tell you what you value.”
“Do not waste your money in vain or spend it on things that will diminish; preserve and increase your riches.”
“Frugality includes all the other virtues.”
“There are two ways to get enough: one is to continue to accumulate more and more, the other is to desire less.”
“It takes as much energy to wish as it does to plan.”
“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.”
“A penny saved is a penny earned.”
“Don’t tell me what you value, show me your budget, and I’ll tell you what you value.”
“The way to wealth depends on just two words, industry and frugality.”
“Do what you can, with what you have, where you are.”
“Nobody can save money by being careless with it.”
“It’s not your salary that makes you rich, it’s your spending habits.”
“Personally, I have yet to find somebody who has gotten rich by saying no to things.”
“A simple fact that is hard to learn is that the time to save money is when you have some.”
“Frugal living is not about giving up everything and suffering through life; instead it’s about learning how to get more out of every penny spent.
“You must gain control over your money or the lack of it will forever control you.”
“Wealth consists not in having great possessions, but in having few wants.”
“It is 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.”
“Money is only a tool. It will take you wherever you wish, but it will not replace you as the driver.”
“If we command our wealth, we shall be rich and free; if our wealth commands us, we are poor indeed.”
“Do not save what is left after spending; instead spend what is left after saving.”
“The safest way to double your money is to fold it over once and put it in your pocket” -Kin Hubbard
“A penny saved is a penny earned.”
“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.”
“You must gain control over your money or the lack of it will forever control you.”
“Do not save what is left after spending; instead spend what is left after saving.”
“The wealthiest people focus on opportunities to multiply their sources of income and actively seek assets that can help them build long-term wealth rather than looking for ways to spend their money as it comes in each month.”
“If you want to be rich, never give up. People tend to give up too soon. If you stick around long enough, magic starts to happen.”
“It’s not about how much money you make—but it’s about how well you manage your finances so that you can save and invest in secure financial resources that are reliable and worthwhile.”
“Money isn’t the most important thing in life, but it’s reasonably close to oxygen on the ‘gotta have it’ scale.”
“Wealth is not his that has it, but his that enjoys it.”
“Frugality includes all the other virtues.”
“Do not save what is left after spending, but spend what is left after saving.”
“The best way to save money isn’t by making more money, its by learning to spend your money wisely and understanding how much you should be saving for retirement.”
“When you have enough money and you don’t need to save anymore, start investing—not just for your own benefit but for the benefit of those around you who may need help in any shape or form.”
“Money can buy you a fine dog, but only love can make it wag its tail.”
“A penny saved is a penny earned.”
“Save your money, you’ll need it later in life.”
“The art of living lies less in eliminating our troubles than in growing with them.”
“Saving money doesn’t make you rich, it just helps you to become rich faster.”
“It is not how much we have, but how much we enjoy, that makes happiness.”
“Frugality includes all the other virtues.”
“Save for the future; there may be lean years ahead.”
“A penny saved is a penny earned.”
“Don’t tell me what you value, show me your budget, and I’ll tell you what you value.”
“The more money you save, the more freedom you have to pursue your dreams.”
Money talks – but all mine ever says is goodbye.”
“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.”
“Nobody grows old merely by living a number of years; we grow old by deserting our ideals years will fly past us as an unknown stranger passes out in the night.”
“Do what you can with what you have where you are.”
“Do not save what is left after spending, but spend what is left after saving.”
“Appearances are misleading: The most useful tenants of money management can be found in thinking small and living large.”
“A penny saved is a penny earned.”
“Compound interest is the eighth wonder of the world.”
“Frugality includes all the other virtues.”
“Money isn’t everything – but it ranks right up there with oxygen.”
“Beware of little expenses; a small leak will sink a great ship.”
“A penny saved is a penny earned.”
“If you love money as much as I do, then you will understand how important it is to save it.”
“Frugality includes all the other virtues.”
“Our incomes are like our shoes; if too small, they gall and pinch us; but if too large, they cause us to stumble and to trip.”
“It’s not your pay check that makes you rich, it’s your spending habits.”
“Wealth consists not in having great possessions, but in having few wants.”
“Live on less than you make and give the rest away.”
“A penny saved is a penny earned.”
“The art of living well and the art of saving money are one and the same thing.”
“Save money by spending it wisely, not by hoarding it needlessly.”
“It’s easier to resist temptation when you know where it lies.”
“Don’t buy what you don’t need to impress people you don’t like.”
“The only person who loves a bargain more than an investor is a miser.”
“My favorite thing is to save money.”
“The safest way to double your money is to fold it over once and put it in your pocket.”
“Do not save what is left after spending, but spend what is left after saving.”
“Save a little money each month and at the end of the year you’ll be surprised at how little you have.”
“It takes as much energy to wish as it does to plan.”
“If you want to know what a man’s like, take a good look at how he treats his inferiors, not his equals.”
“We tend to forget that happiness doesn’t come as a result of getting something we don’t have, but rather of recognizing and appreciating what we do have.”
“You can only become truly accomplished at something you love; don’t make money your goal; instead pursue the things you love doing and then do them so well that people can’t take their eyes off you.”
“A penny saved is a penny earned.”
“Do not save what is left after spending; instead, spend what is left after saving.”
“Wealth consists not in having great possessions, but in having few wants.”
One of the best ways to care for your future self is to start saving today.
The art of living easily as to money is to pitch your scale of living one degree below your means.”
“Empty pockets never held anyone back. Only empty heads and hearts can do that.
“Learn how to handle money — make it work for you, save it and use it wisely for yourself and others.”
“Do not save what is left after spending, but spend what is left after saving.”
“When you have money in hand, only then you realize that money is not everything.”
“He who spends more than he earns will always be poor.”
“If one can be witty and wise with little money, think how much better off he could be if he had some.”
“A penny saved is a penny earned.”
“Frugality includes all the other virtues.”
“Save now, cry later.”
“Doing more during financially tough times actually helps save in a way that simply cutting expenses cannot.”
“Wealth consists not of having great possessions, but of having few wants.”
“No greater wisdom can be found than in economy and self-denial.”
“A penny saved is a penny earned.”
“Frugality includes all the other virtues.”
“Don’t tell me where your priorities are by telling me how much you spent on lunch; show me where your priorities are by showing me what you have saved for retirement or for a rainy day fund.”
“You must learn to save first and spend afterward.”
“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.”
“Wealth consists not in having great possessions, but in having few wants.”
“The best way to save money is to not spend it all at once.”
“If you want to be wealthy, start by saving the money that passes through your hands.”
“Save for a rainy day: The cost of living never decreases.”
“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.”
“Wealth consists not in having great possessions, but in having few wants.”
“The best way to save money is to not spend it all at once.”
“If you want to be wealthy, start by saving the money that passes through your hands.”
“Save for a rainy day: The cost of living never decreases.”
“The way to wealth depends on just two words, ‘Industry’ and ‘frugality.'”
“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.”
“You must gain control over your money or the lack of it will forever control you.”
“Do what you can, with what you have, where you are.”
“If saving money is wrong, I don’t want to be right!”
“Wealth consists not in having great possessions, but in having few wants.”
“A penny saved is twice as sweet as a penny earned.”
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.”
“A penny saved is a penny earned.”
“Saving not only gives you security for today but also for tomorrow.”
“What we don’t need to have, we don’t need to want.”
“Don’t tell me where your priorities are. Show me where you spend your money and I’ll tell you what they are.”
“Do not save what is left after spending; instead spend what is left after saving.”
“The practice of economy would help us in making provision for our old age; and needless extravagance should be discountenanced both by precept and example.”
“Do not save what is left after spending, instead spend what is left after saving.”
“Successful people are good at managing their money – they can make it, save it, and grow it.
“Spend your money on the things money can buy. Spend your time on the things money can’t buy.”
“If you don’t find a way to make money while you sleep, you will work until you die.”
“Save a little bit of every check so that you are prepared for anything that life may throw your way.”
“A wise person should have money in their head, but not in their heart.”
“The way to wealth depends on just two words, ‘industry’ and ‘frugality’”
“It is better to have a little with the fear of the Lord, than great treasure and trouble with it”
“If you would be wealthy, think of saving as well as getting.”
“Do what you can, with what you have, where you are.”
“Save money by living within your means without sacrificing your lifestyle needs or wants.”
“Frugality includes all the other virtues.”
“Wealth consists not in having great possessions, but in having few wants.”

Final Thoughts

I hope that these saving money quotes have inspired you to start saving and living a more frugal lifestyle. Remember, the key to financial success is to spend less than you earn and save the rest.

With discipline and dedication, you can achieve your financial goals.