100 Inspirational Money Quotes for Your Journey to Financial Freedom

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Image with the proverb: "Save money and money will save you."

When you’re living in an expensive city, saving money can be quite a challenge. Go through these 100 money saving quotes that you can bookmark and use for inspiration!

1. Starting with a classic: A penny saved is a penny earned.

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

3. “A simple fact that is hard to learn is that the time to save money is when you have some.” – Joe Moore

4. “The quickest way to double your money is to fold it over and put it back in your pocket.” – Will Rogers

“Sometimes your best investments are the ones you don’t make.” – Donald Trump

6. “The mint made it first, it’s up to you to make it last.” – Evan Esar

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

An image of a person stacking coins

8. “Save a part of your income and begin now, for the man with a surplus controls circumstances and the man without a surplus is controlled by circumstances.” – Henry Buckley

9. “You must learn to save first and spend afterwards.” – John Poole

10. A cheeky Valentine’s Day money saving tip: “Break up on February 13th, get back together on the 15th.” – David Letterman

Related: What Behavioural Science Teaches Us About Saving Money

11. “He who does not economise will have to agonise.” – Confucius

12. Saving money is the best gift you can give to your future self.

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

14. “People suddenly know how to use money when there is none left.” – Bangambiki Habyarimana

15. “In the long run, it’s not just how much money you make that will determine your future prosperity. It’s how much of that money you put to work by saving it and investing it.” – Peter Lynch

“Save a dollar here, a dollar there. Over time, it adds up to two dollars.” – Jarod Kintz

17. “To save half, when you are fired by an eager impulse to contribute to a charity, wait and count to forty. To save three quarters, count sixty. To save all, count sixty-five.” – Mark Twain

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

19. “Just because you can afford it doesn’t mean you should buy it.” – Suze Orman

20. Know your basics: Most of us know that we should save more and spend less, we just don’t do it.

Related: 4 Simple Ways Teach Your Children a Few Money Saving Habits

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

22. “It’s better to do nothing with your money than something you don’t understand.” – Suze Orman

23. “Compound interest is the eighth wonder of the world. He who understands it, earns it. He who doesn’t, pays it.” – Albert Einstein

24. “It is never too early to encourage long-term savings.” – Ron Lewis

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

26. “Personally, I tend to worry about what I save, not what I spend.” – Paul Clitheroe

Image of a piggybank, indicative of savings

27. When you have money, think of the time when you had none – Japanese Proverb

28. “All days are not same. Save for a rainy day. When you don’t work, savings will work for you.” – M.K. Soni

29. “The way to build your savings is by spending less each month.” – Suze Orman

30. One for your bathroom mirror: “Money in the bank is like toothpaste in the tube. Easy to take out, hard to put back.” – Earl Wilson

Related: 6 Money Saving Tips for Pregnant Ladies in Singapore

31. “Money can’t buy happiness, but neither can poverty.” – Leo Rosten

32. “Saving requires us to not get things now so that we can get bigger ones later.” – Jean Chatzky

33. The art is not in making money, but in keeping it.

34. “Look everywhere you can to cut a little bit from your expenses. It will all add up to a meaningful sum.” – Suze Orman

35. “The waste of money cures itself, for soon there is no more to waste.” – M.W. Harrison

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

37. “Money is something you have to make in case you don’t die.” – Max Asnas

38. “If you wish to get rich, save what you get. A fool can earn money; but it takes a wise man to save and dispose of it to his own advantage.” – Brigham Young

39. Life is a game. Money is how we keep score.

40. For when you understand the abstract in life: I got 99 problems and money could solve at least 73 of them.

Related: 5 of the Best Online Grocery Stores in Singapore

41. “Balancing your money is the key to having enough.” – Elizabeth Warren

42. “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

43. Save money and money will save you.

44. Saving a small amount soon builds up to a large amount. – Scottish Proverb

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

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

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

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

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

50. Something you realise when you are middle aged: “You can be young without money but you can’t be old without it.” – Tennessee Williams

Related: 5 Small Eco-Friendly Things to Buy to Help You Save Money and the Environment

51. “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

52. “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

53. “Money is the sixth sense that makes it possible to enjoy the other five.” – Richard Ney

54. The art is not in making money, but in keeping it.

55. “The art of living easily as to money is to pitch your scale of living one degree below your means.” – Sir Henry Taylor

56. “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

Image of coins stacked together with a blurred clock in the background

57. “Annual income twenty pounds, annual expenditure nineteen six, result happiness. Annual income twenty pounds, annual expenditure twenty pound ought and six, result misery.” – Charles Dickens

58. “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

59. “A journey of a thousand miles must begin with a single step.” – Lao Tzu

60. A change of perspective is important: “It’s not your salary that makes you rich, it’s your spending habits.” – Charles A. Jaffe

Related: How to Save Money on Gadgets in Singapore

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

62. A fool and his money are soon parted – English proverb

63. “Before you speak, listen. Before you write, think. Before you spend, earn. Before you invest, investigate. Before you criticise, wait. Before you pray, forgive. Before you quit, try. Before you retire, save. Before you die, give.” – William A. Ward

64. “Save for a rainy day” – Aesop

65. Saving is a greater art than gaining – German proverb

“A penny here, and a dollar there, placed at interest, goes on accumulating, and in this way the desired result is attained.” – P.T. Barnum

67. He who saves, finds. – Spanish proverb

68. He who saves in little things, can be liberal in great ones. – German proverb

69. “Lots of people know how to make money, but are not gifted in the art of preserving it. Frequently the same risk that was involved in making you rich is the same risk that can make you poor again.” – Fred J. Young

70. This should be inspiration enough: “That man is richest whose pleasures are cheapest.” – Henry David Thoreau

Related: 8 Things You Should Always Buy Used to Save Money

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

72. “Look after the pennies and the pounds will look after themselves. 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

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

74. “Prosperity is the fruit of labour. It begins with saving.” – Abraham Lincoln

75. If you find yourself saying to yourself that you can’t afford to save money right now, you are lying to yourself.

Every little bit counts, so rather than looking for one big way to save a ton of money, save in lots of small ways and set yourself up for success.

77. “Thrift is of great revenue.” – Cicero

78. Money speaks only one language – if you save me today, I will save you tomorrow.

79. “Save a little money each month and at the end of the year you’ll be surprised at how little you have.” – Ernest Haskins

80. One for your health: Being in control of your finances is a great stress reliever.

Related: 52 Ways to Save Money Because We Live in The Most Expensive City in The World

81. “Save one-third, live on one-third and give away one-third.” – Angelina Jolie

82. Pick a day for a ‘no spend zone’ – 24 hours where you don’t spend anything.

83. “No one’s ever achieved financial fitness by a January resolution that is abandoned by February.” – Suze Orman

84. Every time you spend money on things you have no business spending money on, you are only cheating yourself.

85. A man without money is like a bow without arrows. – Indian proverb

“I make myself rich by making my wants few.” – Henry David Thoreau

87. “It’s all about the money.” – Joseph Jackson

88. “Though small was your allowance you saved a little store and those who save a little shall get a plenty more.” – William Makepeace Thackeray

89. Expect the best. Prepare for the worst. Capitalise on what comes.

90. This one is for when you wish to retrospect: “Lack of money is the root of all evil.” – George Bernard Shaw

Related: 5 English Movies That Teach Us About Money Management

91. Keep going until your bank account looks like your phone number.

92. “The goal isn’t more money. The goal is living life on your own terms.” – Chris Brogan

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

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

Those who don’t manage their money will always work for those who do.

96. Money does not have healing properties, but it does make a nice salve.

97. If you can actually count your money, then you are not a rich man.

98. Money isn’t everything, but everything needs money.

99. “Never depend on a single income. Make investments to create a second source.” – Warren Buffet

100. Finally: Be humble. Period

Related: 5 Silly Things People Do When They Think They Are Saving


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