35 Quotes About Money & Frugality

The majority of Americans from my generation, the Millennials, have a need for instant gratification. They believe they shouldn’t have to wait to receive the fruits of the little effort they put into something.

It’s all around us. Some people protest for higher minimum wage rates that they believe they deserve for flipping burger. Others rack up debt on their credit cards with no idea if they’ll ever be able to pay it off.

In the world we live in, being frugal and saving money is difficult. Advertisers are pushing us to buy the newest iPhone. Our friends are pressuring us to go out for expensive dinners and drinks every weekend.

I sometimes feel like the only real option I have is to lock myself in my house and turn off all my electronics! No TV, no radio, no phone, no computer, no pressure from the world to spend money I don’t have.

As much fun as that plan sounds, it isn’t realistic. Life goes on, we must brave through and avoid the impulse buys, say no to our friends, and ignore those who think our lifestyle is weird.

It’s not easy!

Some days I just want to give up! The debt-free, comfortable future I dream of is so far away and a pair of $200 shoes are so close. All I have to do is pull out a credit card and spend money that I don’t possess.

We all have these moments. Days where it’s hard to say no, days where all we want to do is give up on our budget. I’ve been there. I know it’s tough.

One thing that helps me make it through the hard days is reading quotes about frugality, money, and saving. It serves as a nice reminder that it isn’t really the entire universe that’s against you. It turns out there really are people out there who live life the way you do!

  1.  “Earn all you can, give all you can, save all you can.” – John Wesley
  2.  “A penny saved is a penny earned.” – Benjamin Franklin
  3.  “A bargain ain’t a bargain unless it’s something you need.” – Sidney Carroll
  4.  “Make money your God and it will plague you like the devil.” – Henry Fielding
  5.  “Too many people spend money they haven’t earned to buy things they don’t want to impress people they don’t like.” – Will Rogers
  6.  “Riches enlarge, rather than satisfy, appetites.” – Thomas Fuller
  7.  “Every time you borrow money, you’re robbing your future self.” – Nathan W. Morris
  8.  “I think the hardest part is having the discipline to save. So my tip is: save now or pay later. Far too many people wake up in their sixties and realize they don’t have enough money. I say, let go of the mentality of spending money for immediate gratification to protect yourself in the long-term.” – Jeanette Bajalia
  9.  “Wealth is the ability to fully experience life.” – Henry David Thoreau
  10.  “Money looks better in the bank account than on your feet.” – Sophia Amoruso
  11.  “Frugality is founded on the principal that all riches have limits.” – Edmund Burke
  12.   “Wealth is not his that has it, but his that enjoys it.” – Benjamin Franklin
  13.  “It is thrifty to prepare today for the wants of tomorrow.” – Aesop
  14.  “Debt is the worst poverty.” – Thomas Fuller
  15.  “A budget is telling your money where to go instead of wondering where it went.” – John C. Maxwell
  16.  “By sowing frugality we reap liberty, a golden harvest.” – Agesilaus
  17.  “The wisdom of life consists in the elimination of non-essentials.” – Lin Yutang
  18.  “Frugality is one of the most beautiful and joyful words in the English language, and yet one that we are culturally cut off from understanding and enjoying. The consumption society has made us feel that happiness lies in having things, and has failed to teach us the happiness of not having things.” – Elise Boulding
  19.  “It is not the man who has too little, but the man who craves more, that is poor.” – Seneca
  20.  “We make ourselves rich by making our wants few.” – Henry David Thoreau
  21.  “Don’t cry about money. It never cries for you.” – Mike Schiemer
  22.  “Americans spend all or most of their income on things that have little or no lasting value” – Thomas Stanley
  23.  “It’s the intelligent thing to be frugal.” – Chuck Feeney
  24.  “Rather go to bed supperless than rise in debt.” – Benjamin Franklin
  25.  “Thrift is the best means of thriving.” – Charles J. Hare
  26.  “I have learned to seek my happiness by limiting my desires, rather than in attempting to satisfy them.” – John Stuart Mill
  27.  “Frugality may be termed the daughter of Prudence, the sister of Temperance, and the parent of Liberty.” – Samuel Johnson
  28.  “Someone’s sitting in the shade today because someone planted a tree a long time ago.” – Warren Buffett
  29.  “Wealth consists not in having great possessions, but in having few wants.” – Epicurus
  30.  “I’m old enough to remember in the 1930s and the 1940s when thrift, frugality, was considered an important virtue.” – Edmund Phelps
  31.  “There is no dignity quite so impressive, and no independence quite so important, as living within your means.” – Calvin Coolidge
  32.  “We’re not very good when we’re spending other people’s money.” – Jason Jennings
  33.  “Money cannot buy peace of mind. It cannot heal ruptured relationships or build meaning into a life that has none.” – Richard M. DeVos
  34.  “By definition, saving – for anything – requires us to not get things now so that we can get bigger ones later.” – Jean Chatzky
  35. Balancing your money is key to having enough.” – Elizabeth Warren

Did these quotes help inspire you?  If they did, share them with your friends!

Here are 5 unusual things I do to save money.
Why live a frugal lifestyle?
Do you want an easy way to save money on groceries?


3 thoughts on “35 Quotes About Money & Frugality

  • July 20 at 6:45 pm

    Really enjoyed reading all the great quotes. My favorite is #12 by Benjamin Franklin. Thanks for the putting up together this compilation.

  • July 21 at 7:05 am

    Will Roger’s one, the number five, is my fav! Actually I agree with many of them. My generation, not just in Italy but all over Europe I guess, is the first that will have more difficulties in saving money that their parents. That’s why, I think, in front of this awareness, my peers tend to spend money useleslly-

  • July 21 at 3:24 pm

    I need to follow #26! These are all really great! Need to be better at unnecessary spending:)


Leave a Reply

Your email address will not be published. Required fields are marked *

This site uses Akismet to reduce spam. Learn how your comment data is processed.