Most people know that they need to save more money – whether it’s for retirement, to get out of debt or even to have money to pay for things on their bucket list. But knowing that you should be saving more money is a lot different from actually being able to save more. But you can do it!

Here are 40 of the best “how to save money” quotes to leave you thinking about money differently – so that you can start saving more money now!

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

2. “Before you spend, earn. Before you invest, investigate. Before you retire, save. Before you die, give.” – William Ward

3. “The greatest rate of return you will earn is on your own personal spending. Being a smart shopper is the first step to getting rich.” – Mark Cuban

4. “Do not save what is left after spending; instead spend what is left after saving.” – Warren Buffett

5. “Invest in as much of yourself as you can, you are your own biggest asset by far.” – Warren Buffett

6. “Every time you borrow money, you’re robbing your future self.” – Nathan W. Morris

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

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

9. “Save your money. You’re going to need twice as much money in your old age as you think.” – Michael Caine

10. “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

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

12. “My favorite things in life don’t cost any money. It’s really clear that the most precious resource we all have is time.” – Steve Jobs

13. “The rich invest their money and spend what is left; the poor spend their money and invest what is left.” – Jim Rohn

14. “A man in debt is so far a slave.” – Ralph Waldo Emerson

15. “It’s amazing how fast later comes when you buy now.” – Milton Berle

16. “Not having money to spend doesn’t mean we can’t have well-spent moments every day.” – Sarah Ban Breathnach

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

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

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

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

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

22. “It’s better to have extra time on your hands and extra money in your pocket than extra stuff in your closet.” – Joshua Becker

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

24. “Saving money isn’t about being able to buy bigger and better things. It’s about being prepared to take care of your family.” – Dave Ramsey

25. “Don’t think of saving money as a punishment. Think of saving money as a lifestyle change and a means to freedom.” – Emily G. Stroud

26. “If you want to move from fearful insecurity to confident control of your personal finances, you need to have a savings plan in place.” – Emily G. Stroud

27. “If you buy things you do not need, soon you will have to sell things you need.” – Warren Buffett

28. “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

29. “The less money you owe, the less income you’ll need and the less you’ll have to save for tomorrow.” – Suze Orman

30. “Saving for retirement is not merely a desirable virtue. It is an absolute necessity.” – Suze Orman

31. “If you’re trying to diet, what do you do? You grab your two friends and say, ‘We’re going to the gym; let’s do this together.’. Money shouldn’t be any different. If you’re trying to make progress, if you’re trying to save more, we really need to be able to get support.” – Alexa Von Tobel

32. “It is critical that kids start to learn the value of money, short-term and long-term saving and budgeting at an early age.” – Alexa Von Tobel

33. “The time to save for the future is now. Thanks to compounding interest, the earlier you start putting money away for the future, the more you will save.” – Alexa Von Tobel

34. “If you’re saving, you’re succeeding.” – Steve Burkholder

35. “Don’t spend all of your money a quarter at a time. Save up and buy something special, something fine, something of lasting value, or something that will give you rich memories for a lifetime. Remember, all that candy money can add up to a small fortune.” – Jim Rohn

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

37. “Not wasting money is the best way to save money.” – Unknown

38. “Don’t spend your money on luxuries. Save it and secure a safe future. Don’t crave for quick satisfaction.” – Israelmore Ayivor

39. “Buying cheap to save money is like stopping the clock to save time. Neither works.” – Napoleon Hill

40. “Cutting food waste is a delicious way of saving money, helping to feed the world and protect the planet.” – Tristram Stuart

40 of the Best "How to Save Money" Quotes
40 of the Best “How to Save Money” Quotes

Until my next blog post, here’s wishing you lots of joy and happiness!

With love,


Hi! I'm Joanne. I’m a Canadian Chartered Professional Accountant (CPA, CMA). Money management is a life skill that I passionately believe all people need to learn. As an accountant, I love helping people understand numbers and money. At BuildingJoyAndHappiness, I share my tips to money management and make understanding finances simple.

This Post Has 2 Comments

  1. Glen

    Greetings! Very helpful advice in this particular post! It is the little changes that make the most significant changes. Thanks for sharing!

  2. Mamunur Rashid

    Hi Joanne,
    All the quotes are useful to save money .But among them “Cutting food waste is a delicious way of saving money, helping to feed the world and protect the planet.” – Tristram Stuart I like most . There are a lots of people who dosen’t have enough food to eat . This is why we all should follow this quote.

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