Last Updated May 15, 2025 by Davina Kelly

Are you tired of watching your hard-earned money slip through your fingers month after month? Building up your savings can change that. It might feel challenging, but these saving money quotes will keep you motivated. 

Saving money isn’t just a financial habit, it’s a mindset that leads to a more secure and abundant future.

In this post, I’m going to share the most inspiring saving money quotes. These words of wisdom have personally helped me stay focused on my saving journey, so I know they’ll do the same for you. 

Plus, I’ve included actionable tips for each quote to help you turn motivation into action. 

This post is all about saving money quotes.

20 Inspiring Saving Money Quotes:

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

Warren Buffet is giving us a reality check: it’s time to rethink how we manage our money.

Instead of saving whatever’s left after spending (which, let’s face it, is often not a lot), make saving your top priority. 

Think of it as paying yourself first, trust me, your future self will absolutely appreciate you.

2. “It’s not your salary that makes you rich, it’s your spending habits.” – Charles A. Jaffe

This is one of the best saving money quotes. It’s a wake-up call we all need.

Instead of obsessing over how much you earn, shift your focus to how you’re spending it. 

After all, you can make six figures and still struggle if your spending habits are out of control.

Small changes to how you spend can lead to big wins over time.

3. “Savings, remember, is the prerequisite of investment.” – Campbell R. McConnell

Before your money can work for you through investments, you need a starting point.

Think of it like building a house, every strong home begins with a solid foundation.

Start by saving what you can now. It will lay the groundwork for opportunities that can transform your financial future.

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

It’s not about how much cash you can make, it’s about holding onto it.

If you’re not careful, money can slip through your fingers faster than you realise.

Learning to save and manage your income will lead to financial independence.

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

You’d be amazed how those $5 Starbucks coffees and random online purchases add up.

Benjamin Franklin is basically saying: check your small habits before they derail your big goals. 

A few small changes here and there can help you save more money.

6. “It’s not about how much money you make, it’s about how much money you keep.” – Robert Kiyosaki

This one’s a game-changer.

You can earn all the money in the world, but if you’re spending it as fast as it comes in, what’s the point? 

Focus on keeping and growing what you earn, it’s the key to long-term wealth.

7. “Save money, and money will save you.” – Jamaican Proverb

This is one of my favourite saving money quotes. 

Think of your savings as your safety net, it’s there to catch you when life throws a curveball. 

Whether it’s a car repair or a sudden medical bill, having money stashed away can save you from unnecessary stress.

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

This quote is a reminder to avoid debt traps and live within your means. 

Spending money you don’t have such as credit cards, loans and the many buy now pay later options can lead to big regrets later. 

Stay patient and save up for what you want instead.

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

Your budget is like a mirror, it shows what’s really important to you.

If you spend more on eating out and give less attention to saving for your dreams, it might be time for a reset. 

Shift your spending to reflect what truly matters to you.

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

This saving quote is straightforward but so powerful!

Saving isn’t about big, flashy changes, it’s the little tweaks to your monthly budget that really add up. 

Cut back on things you don’t need and watch your savings grow faster than you expect.

11. “Saving money is a lifestyle, not a single action.” – Anonymous

I love this quote. I think it’s super important and something people often overlook.

Saving isn’t something you do once, it’s a habit you build over time. When you treat it like a lifestyle, it becomes second nature. 

Start small and before you know it, saving will feel as normal as brushing your teeth.

12. “Don’t underestimate the power of saving $1. A single dollar saved repeatedly can change your life.” – Anonymous

Never underestimate the power of small wins.

That $1 or $5 you save today might not seem like much, but trust me, over time it adds up. 

13.”Save for a rainy day.” – Aesop

Life happens, it’s not always sunshine and rainbows. 

Having an emergency fund is like carrying an umbrella, you’ll thank yourself later when the unexpected storm rolls in.

Related: How To Build an Emergency Fund Fast

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

Impulse buys often feel good in the moment, but they’re stealing from your future self.

Before you swipe your card, ask yourself: do I really need this? Most of the time, the answer is no.

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

We’ve all been there, thinking the new gadget or outfit will make us happy.

But true happiness comes from experiences, relationships and peace of mind, not stuff.

Focus on what really matters and your wallet will thank you.

16. “Don’t go broke trying to look rich.” – Unknown

If you feel pressure to keep up with appearances this saving money quote is for you.

Chasing a lifestyle you can’t afford might seem glamorous, but it only leads to stress and debt.

I know because I’ve been there!

I spent money I didn’t have trying to keep up appearances and it left me stuck in a financial hole. 

True wealth isn’t about flashy purchases or impressing others. It’s about creating security, freedom and a life you genuinely enjoy.

17. “Think of saving money as a way to make room for what really matters in life.” – Anonymous

When you save, you’re creating space for your future dreams. Whether it’s a vacation, a new home or early retirement, saving gives you the freedom to live life on your terms.

18. “You don’t have to be rich to save, but you have to save to be rich.” – Anonymous

Anyone can start saving no matter how much they earn. The key is consistency.

Over time, those small amounts add up and lead to financial success.

19. “Saving must become a priority, not just a thought. Pay yourself first.” – Dave Ramsey

Make saving non-negotiable, like paying rent or your phone bill. 

Set up automatic transfers and treat your savings like the important expense it is. Your future self will thank you.

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

The best time to start saving is before you need it. 

Think of it as giving your future self the ultimate gift, peace of mind.

By building your safety net now, you’ll be ready to handle life’s curveballs without the added stress of financial worry.  

Final Thoughts on Saving Money Quotes

These quotes aren’t just words, they’re strategies to change your money mindset and build a better financial future.

I hope these saving money quotes have motivated you on your financial journey. 

Which one inspired you the most? Let me know in the comments! 

This post was all about saving money quotes.

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