50 Financial Wisdom: 50 Inspiring Quotes About Saving Money

Spending money may be fun, but these quotes about saving money will show you just how important it is to save.

There are two kinds of people in life—spenders and savers.

Spenders are people who naturally like to spend their money, which means they tend to struggle with saving money.

Savers are the people who would rather tuck their money away to have it if they need it later instead of spending it today.

There is a good balance to be found between the two. 

If you struggle with saving, the savings quotes below will help motivate you to get started for your future.

Top 10 Quotes About Saving Money

Saving money is not a new concept by any means.

The following quotes span the generations.

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

2. “You don’t have to see the whole staircase, just take the first step.” — Martin Luther King, Jr.

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

4. “Do not save what is left after spending, but spend what is left after saving.” — Warren Buffett

5. “Being a smart shopper is the first step to getting rich.” — Mark Cuban

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

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

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

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

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

Motivational Saving Money Quotes 

Sometimes, thinking about the long-term impact of our decisions can help us make wiser ones.

Consider these saving money quotes as you make your financial decisions.

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

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

13. “Money amassed either serves us or rules us.” — Horace

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

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

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

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

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

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

20. “Once you really accept that spending money doesn’t equal happiness, you have half the battle won.” — Ernest Callenbach

Quotes About Saving Money that Make a Strong Impact

How each person chooses to spend their money says a lot about them.

Consider how your spending and savings communicate who you are as you read these quotes.

21. “Save money on the big, boring stuff so that you have something left over for life’s little pleasures.” — Elisabeth Leamy

22. “Know what you own, and know why you own it.” — Peter Lynch

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

24. “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

25. “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

26. “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

27. “The stock market is filled with individuals who know the price of everything, but the value of nothing.” — Philip Fisher

28. “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

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

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

Exceptional Saving Money Quotes

Delayed gratification is not a popular idea, but it can be life-changing.

Saving money for the things you want in the future can help ease your stress and financial burden.

What else can you learn from these money quotes?

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

32. “Empty pockets never held anyone back. Only empty heads and empty hearts can do that.” — Norman Vincent Peale

33. “Money is a terrible master but an excellent servant.” —  P.T. Barnum

34. “Deprive yourself on nothing necessary for your comfort, but live in an honorable simplicity and frugality.” — John McDonough

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

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

37. “Money is only a tool. It will take you wherever you wish, but it will not replace you as the driver.” — Ayn Rand

38. “A penny saved is still just a fucking penny.” — Dan Lok

39. “Saving money is good. Saving dreams is not good.” — Richie Norton

40. “To become rich—you must value saving more than spending.” — George Choy

More Motivational Quotes About Saving Money

It can help to put motivational quotes about things you want to do around your house.

Choose from the money quotes here to keep yourself motivated to save for your goals.

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

42. “Just because something is conventional doesn’t mean it’s conservative or correct.” — Jeremy C. Miller

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

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

45. “Literally, time is money. Starting to save now instead of later lessens the amount you will need to contribute.” — Coreen T. Sol, CFA

46. “Save when you don’t need it, and it’ll be there for you when you do.” — Frank Sonnenberg

47. “Enough is better than too much.” — Dutch Proverb

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

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

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

Which of these saving money quotes hit you the hardest?

There are many different reasons why saving your money instead of spending it all is helpful.

Building an emergency fund is a helpful way to have money set aside for the future in case you lose your job, your bathroom sink starts leaking, or you have some other unexpected expenses you’re unable to plan for.

It’s also important to save for your short-term and long-term financial goals.

A short-term goal could be something like saving to go on an international vacation next year.

A long-term goal could be saving so you can retire when you’re 50 years old.

Saving money might not sound like the most fun, but you can use your financial goals as motivation to keep you going so you can achieve the things you want.

Which saving money quotes motivate you the most? 

Let us know in the comments, and then share them on social media to help motivate your friends and family too.

You can keep each other accountable to work toward your financial goals.