44 Best Wise and Inspiring Frugal Quotes For Money Success

44 Best Wise and Inspiring Frugal Quotes For Money Success
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Introduction to Frugal Quotes

Are you looking for ways to become smarter with your finances and embrace a more thrifty lifestyle? If so, you’ve come to the right place! Today we’re taking a closer look at some of the best frugal quotes from famous authors, entrepreneurs, and thought leaders — all designed to give you realistic advice on how to save money and make smart financial choices.

So let’s dive in and get started on our journey into learning the art of being thrifty!

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Money can be a stressful and overwhelming topic for many of us, but it doesn’t have to be. Sometimes, all we need is a little inspiration to reframe our thinking about finances. This is where frugal quotes come in.

By embracing thriftiness and seeking out wise words from those who have successfully navigated their own finances, we can start to feel more empowered and in control of our own finances.

Embracing a frugal lifestyle doesn’t mean sacrificing happiness, but rather finding creative ways to make our money stretch. By prioritizing your spending and cutting out unnecessary expenses, you can focus on the things that truly matter to you. Use the frugal living quotes on money to get motivated and inspired.

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

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

3) “Never spend your money before you have it.” Thomas Jefferson.

Two men trying to get a large rock that says "loan" up a mountain with the quote, "Every Time You Borrow Money, You're Robbing Your Future Self" by Nathan W Morris, which is one of 44 frugal quotes.

4) “Money is a terrible master but an excellent servant.” P.T. Barnum

5) “It’s not about 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

6) “The safest way to double your money is to fold it over and put it in your pocket.”Kin Hubbard

7) “When the federal government spends more each year than it collects in tax revenues, it has three choices: It can raise taxes, print money, or borrow money. While these actions may benefit politicians, all three options are bad for average Americans.” Ron Paul

8)  “Every Time You Borrow Money, You’re Robbing Your Future Self.” Nathan W. Morris

Quote: Suze Orman: People first, then money, then things.

9) “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

10) Those who don’t manage their money will always work for those who do.”Dave Ramsey

11) “People first, then money, then things.” – Suze Orman

12) “Spend with purpose, not on impulse. Mindful spending transforms your relationship with money.” – Rachel Cruze

13) For the love of money is the root of all evil” KJV Bible: I Timothy 6:10

Frugal Living

A frugal life is not just about saving money, it’s a mindset shift. It’s about embracing the beauty of simplicity and realizing that happiness doesn’t come from owning the latest and greatest material possessions. Sometimes all it takes is a little inspiration to get us on the right track. That’s where frugal quotes come in handy.

Adopting a frugal mindset isn’t an overnight fix, it’s a journey that requires patience and perseverance, but with the help of inspirational quotes, the path becomes a little easier to navigate. So, let’s embrace thriftiness and let the frugal quotes inspire us to live our best lives while spending less.

14) “Frugality is founded on the principal that all riches have limits.”Edmund Burke

15) Frugality is enjoying the virtue of getting good value for every minute of your life energy and from everything you have the use of.Vicki Robin

Quote: Jason Cabler: Frugality is the bridge between your money and your financial dreams.

16) “People who are frugal understand the value of a dollar and make informed and thoughtful decisions. People who are cheap try to spend as little money as possible.” Frank Sonnenberg

17) “Being frugal does not mean being cheap! It means being economical and avoiding waste.” Catherine Pulsifer

18) “Frugality is the bridge between your money and your financial dreams.”Jason Cabler

19) “To thrive in a frugal lifestyle, there are only two things you need – to know your values and have goals.”Laura Tweedale

20) Frugality, in the end, is more about contentment and simplicity than deprivation.” Amy Dacyczyn

21) “I have three precious things which I hold fast and prize. The first is gentleness; the second is frugality; the third is humility, which keeps me from putting myself before others.” Lao Tzu

22) “Frugality is the mother of all virtues.”Justinian I

23) “Frugality is the daughter of prudence, the sister of temperance, and the parent of liberty.”Samuel Johnson

24) “The way to wealth depends on just two words, industry and frugality.Benjamin Franklin

25) “Great wealth is a gift from heaven; moderate wealth results from frugality.” Chinese Proverb

26) “By sowing frugality we reap liberty. a golden harvest.”Agesilaus

27) “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


Thrifty living is all about making the most out of what you have and embracing the simplicity of a frugal lifestyle. It’s not about being cheap, but rather making wise choices with your hard-earned money. So whether you’re looking to save money on groceries, reduce your utility bills, or simply live a more sustainable life, there’s lots of frugal quotes out there to help inspire you along the way.

28) “What a marvelous resource soup is for the thrifty cook – it solves the ham-bone and lamb-bone problems, the everlasting Thanksgiving turkey, the extra vegetables.”Julia Child

29) “It is thrifty to prepare today for the wants of tomorrow.” Aesop

Quote: Plato: The greatest wealth is to live content with little.

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

31) The greatest wealth is to live content with little.” Plato

Quote: David Thoreau I make myself rich by making my wants few.

32) “He who will not economize will have to agonize.” – Confucius

33) I make myself rich by making my wants few.” Henry David Thoreau


Saving money is a challenge that often requires discipline, determination, and practicality. It can be difficult to resist the temptation of impulsive purchases and unnecessary expenses. However, by embracing a thrifty outlook and adopting frugal habits, you can experience the satisfaction of financial stability and security.

Whether you’re trying to save for a big purchase or just trying to stretch your budget a little further, these frugal quotes of saving wisdom can remind us that being savvy with our money can lead to a more fulfilling and rewarding life.

34) “The more money you save, the more freedom and options you have in life.”Suze Orman

35 ) “It Is Never Too Early To Encourage Long-Term Savings.” — Ron Lewis

Quote: Benjamin Franklin: A penny saved in s penny earned.

36) “The best time to start saving was 20 years ago. The second best time is now.”Chinese Proverb

37) “A penny saved is a penny earned.”Benjamin Franklin

38) “The foundation of lasting prosperity is saving, not spending.”David Bach

39) Some of the wealthiest people in the world became wealthy by saving money.”Doug McMillion

Quote: Warren Buffet: Do not save what is left after spending but spend what is left after saving.

40) “Save for a rainy day.” Aesop

41) This next quote is used in my logo: “Do not save what is left after spending, but spend what is left after saving. “– Warren Buffett


Budgeting is a crucial aspect of personal finance, but it can be challenging to stick to a budget and resist the temptation to overspend. Budgeting isn’t just about cutting back on expenses; it’s about being intentional with our money and making it work for us.

These frugal quotes can motivate you to create a budget, stick to it, and become more financially responsible:

42) “Beware Of Little Expenses; A Small Leak Will Sink A Great Ship.”  Benjamin Franklin

Quote: Dave Ramsey: A budget is a reflection of your priorities.

43) “A Budget Is Telling Your Money Where To Go, Instead Of Wondering Where It Went.” John C. Maxwell

44) “A budget is a reflection of your priorities.”Dave Ramsey

Marriage.com has some marriage and money quotes you might be interested in.

Conclusion of Frugal Quotes

As you can see, embracing thriftiness is a valuable practice that can have an incredible impact on your finances. Taking steps like making a budget and learning how to save on the things you need brings tremendous benefit into our lives, allowing us to collect more of the life experiences we truly value.

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Quotes from notable thinkers can motivate us to consider our spending and climb out of debt. We recognize that it’s not always easy — it takes determination and hard work — but with courage and dedication, any goal is possible. By understanding the importance of careful saving and meaningful spending, we can turn thriftiness into a personal victory!

With frugal practices combined with wise investments by taking advantage of resources like financial advisors for a personalized approach, we create paths to success. The journey won’t be without its challenges but in the end, you’ll find great satisfaction when seeing the fruits of your labors take shape toward financial freedom.

Mumtastic Life has some positive money affirmations that will also empower you and help you have a positive mindset toward money.


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      1. These quotes are a good reminder to SAVE MORE. These resonated with me:

        “Every Time You Borrow Money, You’re Robbing Your Future Self.” — Nathan W. Morris

        “People who are frugal understand the value of a dollar and make informed and thoughtful decisions. People who are cheap try to spend as little money as possible.” – Frank Sonnenberg

      2. A list of money quotes will always include Robert Kiyosaki. Just love he’s quotes and real eye-opening quotes as well from the rest of your list.
        Thanks for sharing!

      3. I love these quotes! My favorites are around the importance of goals, values, and frugality. So helpful and important!

      4. These are some of the very best inspiring frugal quotes for money success. There are a lot of great choices, but “Frugality is founded on the principal that all riches have limits.” by Edmund Burke is one of my favorites.

      5. I think I really like this quote – “The safest way to double your money is to fold it over and put it in your pocket.” These money quotes are so inspirational!

      6. When I got my first job as a teenager, I remember my aunt using that quote of “Never spend your money before you have it.” It’s so true, and an important lesson to always keep in mind!

      7. I find all of these to be very inspiring. It’s amazing what the right words can do for your motivation – whatever it’s regarding.

      8. These are such a great set of quotes , I have not heard some of them . You have out together a great list.

      9. This is a fantastic and comprehensive post on frugal living! I especially loved the breakdown of the different aspects of frugality, from money management to budgeting.

      10. These really spoke to my soul. Lol a little leak is still a leak . I need to remember this. lol

      11. I absolutely love this collection of frugal quotes! They are so inspiring and really help me rethink my approach to spending and saving. It’s amazing how a few wise words can make such a big difference in how we view money.

      12. Not spending your money before you have it? That’s such a good one that we need to remember!

      13. I love them all. Especially this one: “Great wealth is a gift from heaven; moderate wealth results from frugality.” Chinese Proverb.

      14. This describes my husband! He is not cheap he is frugal, he knows how to show and find deals. to him why spend retail when you can find it at a discount. Thanks for all the amazing quotes

      15. Amazing quotes for success, I see there as great reminders to help us throughout the process. Always love to save them. Thank you for sharing!

      16. My favorite quote is “ The safest way to double your money is to fold it over and put it in your pocket”. It has a double meaning!

      17. I totally agree with Thomas Jefferson that we should never spend our money before you have it. There are a lot of things that may happen that may cause it to be delayed and all. So, if you want to avoid the headache, make sure to have the money on hand or on your account before you actual spend it.

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