Budgeting is a good financial habit that everyone should aspire to adopt. However, building this habit and wielding it to improve your finances won’t be easy. This is why it’s important to stay motivated and focused by paying attention to budgeting quotes.
Quotes about budgeting are inspirational, insightful, and motivating statements that would propel the desire in you to take your monthly budget seriously.
In this post, I will be sharing over 140 budgeting quotes from prominent figures across different walks of life. You will also learn some of the most famous budget quotes that have inspired millions of people over the years.
What Is The Most Famous Budget Quote Of All Time?
Joe Biden said, “Don’t tell me what you value, show me your budget, and I will tell what you value”. This is a very famous budgeting quote that has stuck with me for the longest time. It basically talks about how your budget is a direct reflection of your priorities.
147 Budgeting Quotes To Keep You Motivated With Budgeting
If you have tried budgeting and it didn’t work out, you don’t have to give up yet. You must understand that budgeting is one of the simplest yet most effective practices that will help you gain control of your finances. So instead of giving up because you couldn’t keep up with your budget or financial plan, learn how to do it right.
Below are numerous quotes on budget, which have been curated into the following categories; best budgeting quotes, motivational budget quotes, positive budget quotes for saving more money, budgeting quotes that will inspire you to make more money, budgeting quotes to help you be more frugal, and funny budgeting quotes.
I believe these quotes will teach you a lot about budgeting, its benefits, as well as some of the mistakes you should avoid when building a budget.
Best Budgeting Quotes
If you want to be compelled to take your monthly budget seriously, here are the best budget quotes you should know today:
1. “It isn’t what you earn but how spend it that fixes your class.” – Sinclair Lewis
2. “We must consult our means rather than our wishes.” – Leslie Tayne
3. “A budget is telling your money where to go instead of wondering where it went.” – Dave Ramsey
4. “They call it a budget so you don’t budge from it.” – Mike Figgis
5. “A budget is a financial plan to control future operations and results.” – Jae K. Shim
6. “The secret to budgeting is that it needs to be honest. Not what you think it should be or wish it could be, but what it really is.” – Lisa Conway-Hughes
7. “Do not save what is left after spending; instead spend what is left after saving.” – Warren Buffett
8. “Never spend your money before you’ve earned it.” – Thomas Jefferson
9. “If you don’t get serious about your money, you will never have serious money.” – Grant Cardone
10. “A penny saved is a penny earned.” – Benjamin Franklin
11. “Too many people spend money they haven’t earned, to buy things they don’t want, to impress people that they don’t like.” – Will Rogers
12. “Once your money is in balance, you can stop worrying about it. Managing your money becomes automatic.” – Elizabeth Warren
13. “Money, like emotions, is something you must control to keep your life on the right track.” – Natasha Munson
14. “The greatest wealth is to live content with little.” – Plato
15. “It’s not the man who has too little, but the man who craves more, that is poor.” – Seneca
16. “When you buy a bigger house, another luxury car, or a fancy boat, you are showing people that you used to have money.” – Christopher Manske
17. “If we command our wealth, we shall be rich and free. If our wealth commands us, we are poor indeed.” – Edmund Burke
18. “Just because you can afford it doesn’t mean you should buy it.” – Suze Orman
19. “Being in control of your money means being in control of your life.” – Sam Beckbessinger
20. “Would you rather spend your tomorrow today or save today and spend it tomorrow?” – Ken Monyoncho
21. “A fool and his money are soon parted.” – Thomas Tusser
22. “Those who don’t manage their money will always work for those who do.” – Moses Tan
23. “Setting goals is the first step in turning the invisible into the visible.” – Tony Robbins
Motivational Budget Quotes
Sometimes, we may not get the drive to pursue our goals until we are self-motivated. Here are some motivational budget quotes, and inspiring budgeting quotes to keep you going:
1. “Budgeting is not just for people who do not have enough money. It is for everyone who wants to ensure that their money is enough.” – Rosette Mugidde Wamambe
2. “When it comes to money and so many other things in life, understanding your weaknesses and strengths can help you with your future plans.” – Tagene Brown-McBean
3. “A budget is more than just a series of numbers on a page; it is an embodiment of our values.” – Barack Obama
4. “Budgets are blueprints and priorities.” – Kevin McCarthy
5. “With an understanding of your budget and your true needs, you may start putting away more money than you ever expected.” – Larry Dyson
6. “Used correctly, a budget doesn’t restrict you; it empowers you.” – Tere Stouffer
7. “When money realizes that it is in good hands, it wants to stay and multiply in those hands.” – Idowu Koyenikan
8. “Beware of little expenses; a little leak will sink a great ship.” – Benjamin Franklin
9. “If you want creativity, take a zero off your budget. If you want sustainability, take off two zeros.” – Jaime Lerner
10. “The speed of your success is limited only by your dedication and what you’re willing to sacrifice.” -Nathan W. Morris
11. “Budgeting isn’t about limiting yourself – it’s about making the things that excite you possible.” – Unknown
12. “A budget tells us what we can’t afford, but it doesn’t keep us from buying it.” – William Feather
13. “A budget doesn’t limit your freedom; it gives you freedom.” – Rachel Cruze
14. “Balancing the budget is like going to heaven. Everybody wants to do it, but nobody wants to do what you have to do to get there.” – Phil Gramm
15. “You are no longer a boy, and one of the first duties which a man owes to his friends and to society is to live within his income.” – Thomas Hughes
16. “A budget isn’t about restricting what you can spend. It gives you permission to spend without guilt or regret.” – Dave Ramsey
17. “Don’t make money, create wealth. Making money is easy. Being able to create and sustain wealth is what will set you apart from the rest.” – John Rampton
18. “Become so financially secure that you forget when payday is!” – unknown
19. “Our goals can only be reached through a vehicle of a plan, in which we must fervently believe, and upon which we must vigorously act. There is no other route to success.” – Picasso
20. “Many of Life’s failures are people who did not realize how close they were to success when they gave up.” – Thomas Edison
21. “People do not decide their futures. They decide their habits, and their habits decide their futures.” – FM Alexander
22. “Without Discipline and dedication, Your dreams will always be a dream.” – unknown
23. “It is our choices that show what we truly are, far more than our abilities.” – JK Rowling
24. “The most important decision about your goals is not what you’re willing to do to achieve them, but what you are willing to give up.” – Dave Ramsey
25. “Wealth is largely the result of habit.” – John Jacob Astor
Budget Quotes For Saving More Money
One of the things budgeting can help you achieve is your savings goal. Here are dozens of budgeting quotes to encourage your savings habit:
1. “The poor and the middle-class work for money. The rich have money work for them.” – Robert Kiyosaki
2. “The enemy of every investor is fear, greed, and impatience.” – unknown
3. “The more your money works for you, the less you have to work for money.” – Idowu Koyenikan
4. “Compound interest is the eighth wonder of the world. He who understands it, earns it, he who doesn’t, pays it.” – Albert Einstein
5. “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
6. “The quickest way to double your money is to fold in half and put it in your pocket.” – Will Rogers
7. “The best time to plant a tree is 20 years ago, the second-best time is now.” – Chinese proverb
8. “Save money, and money will save you!” – John Soforic
9. 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
10. 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
11. A man who both spends and saves money is the happiest man, because he has both enjoyments. -Samuel Johnson
12. Being a smart shopper is the first step to getting rich. – Mark Cuban
13. It is thrifty to prepare today for the wants of tomorrow. – Aesop
14. He who will not economize will have to agonize. – Confucius
15. If you would be wealthy, think of saving as well as getting. – Benjamin Franklin
16. Enough is better than too much. – Dutch Proverb
17. The art is not in making money, but in keeping it. – Proverb
18. Know what you own, and know why you own it. – Peter Lynch
19. Waste neither time nor money, but make the best use of both. – Benjamin Franklin
20. “If you spend more than you earn, it simply means that you might be having a serious problem which may be even mental.” – Anath Lee Wales
21. “Save when you don’t need it, and it’ll be there for you when you do.” – Frank Sonnenberg
22. “Saving money Today secures, eases, and beautifies Tomorrow.” – Ehsan Sehgal
23. “Great minds save before they spend, but idiots spend as soon as the income arrives, they never plan because they never save.” – Anath Lee Wales
24. “Effective saving can lead to a successful wealth achievement.” Anath Lee Wales
Budgeting Quotes That Will Inspire You To Make More Money
If you are looking for budgeting quotes that will inspire you to make money, here are some of the popular ones you should know:
1. “Rule No. 1: Never lose money. Rule No. 2: Never forget rule No.1.” – Warren Buffet
2. “Don’t let money run your life, let money help you run your life better.” – John Rampton
3. “Happiness is not in the mere possession of money; it lies in the joy of achievement, in the thrill of creative effort.” – President Franklin D. Roosevelt
4. “A wise person should have money in their head, but not in their heart.” – Jonathan Swift
5. “There are people who have money, and there are people who are rich.” – Coco Chanel
6. “Money grows on the tree of persistence.” – Japanese Proverb
7. “Sometimes poverty is the greatest gift you can ever be given. Sometimes loss is the key that leads you to gain.” –Suze Orman
8. “You either master money, or, on some level, money masters you.” –Tony Robbins
9. “It is not how much you earn but what you do with it that determines your end.” –Olumide Emmanuel
10. “You can be young without money, but you can’t be old without it.” – Tennessee Williams
11. “People say that money is not the key to happiness, but I always figured if you have enough money, you can have a key made.” –Joan Rivers
12. 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
13. How many millionaires do you know who have become wealthy by investing in savings accounts? I rest my case. – Robert G. Allen
14. “The biggest risk is not taking any risk. In a world that’s changing really quickly, the only strategy that is guaranteed to fail is not taking risks.” – Mark Zuckerberg
15. If you don’t value your time, neither will others. Stop giving away your time and talents. Value what you know & start charging for it. – Kim Garst
16. “Fortune sides with him who dares.” –Virgil
17. “Success is not how many zeroes your bank account has. It’s about making the most of the life you have. “- Suze Orman
18. “There are specific universal and timeless laws that govern wealth creation: to make money, you must know and follow these laws. Ignorance about the Laws of money; makes man poor.” -LanreOlusola
19. Not everything that can be counted counts, and not everything that counts can be counted. –Albert Einstein
20. Let him who would enjoy a good future waste none of his present. –Roger Babson
21. Don’t let the fear of losing be greater than the excitement of winning. –Robert Kiyosaki
22. The longer you’re not taking action the more money you’re losing.” – Carrie Wilkerson
23. “Opportunity is missed by most people because it is dressed in overalls and looks like work.” – Thomas Edison
Budgeting Quotes To Help You Be More Frugal
Budgeting quotes can sometimes teach you how to curb your spending and manage your finances wisely. Here are some top budgeting quotes on frugality:
1. There is no dignity quite so impressive, and no one independence quite so important, as living within your means. – Calvin Coolidge
2. Without frugality, none can be rich, and with it very few would be poor. – Samuel Johnson
3. I have learned to seek my happiness by limiting my desires, rather than in attempting to satisfy them. ― John Stuart Mill
4. Wealth can only be accumulated by the earnings of industry and the savings of frugality. – John Tyler
5. Sowing frugality we reap liberty, a golden harvest. – Agesilaus
6. We make ourselves rich by making our wants few. – Henry David Thoreau
7. Because of deep love, one is courageous. Because of frugality, one is generous. Because of not daring to be ahead of the world, one becomes the leader of the world. – Lao Tzu
8. The greatest wealth is to live content with little. – Plato
9. I hold it the duty of the executive to insist upon frugality in the expenditure, and a sparing economy is itself a great national source. – Andrew Johnson
10. I’m a practitioner of elegant frugality. I don’t feel comfortable telling other people what to do, so I just try and lead by example. – Amory Lovins
11. Frugality includes all the other virtues. – Marcus Tullius Cicero
12. Frugality is founded on the principle that all riches have limits. – Edmund Burke
13. I’d like to live as a poor man with lots of money. – Pablo Picasso
14. The Bible warns us against greed and selfishness, but it does encourage frugality and thrift. – Billy Graham
15. Great wealth is a gift from heaven; moderate wealth results from frugality. – Chinese Proverbs
16. That culture of frugality and discipline is really important for the Y Combinator mindset. – Sam Altman
17. A dash of frugality is a good thing for everyone. – Jason Chaffetz
18. Frugality is a handsome income. – Desiderius Erasmus
19. Don’t let pride keep you in debt. A big house and fancy car aren’t worth a lifetime of bondage — Unknown
20. Unless you control your money, making more won’t help. You’ll just have bigger payments. – Dave Ramsey
21. Everyone must choose one of two pains – the pain of discipline or the pain of regret or disappointment. – Jim Rohn
22. You will win with money when you decide that your family’s future is more important than any new toy you want to buy. — Jacob Lew
23. A penny saved is worth two pennies earned… after taxes. – Randy Thurman
Funny Budgeting Quotes
Are you looking for insightful budgeting quotes coated in humor? Here are some funny quotes about building a budget:
1. “I like my money where I can see it, hanging in my closet.” – Carrie Bradshaw
2. “Some couples go over their budgets very carefully every month, others just go over them.” –Sally Poplin
3. “It’s easy to meet expenses, everywhere we go, there they are.” – Unknown
4. “I’m not saving money, I’m just keeping it hostage from myself.” – Unknown
5. “Budgeting isn’t about restriction, it’s about directing your money to where it will bring you the most joy.” Mathew Lawrence
6. “Budgeting is like a game of chess – it’s all about making the right moves with your money.” Samuel Johnson
7. “Who needs a personal trainer when you have a budget to keep you in financial shape?” — Jack Bernard
8. “A budget is the adult version of a scavenger hunt – you have to find creative ways to save money.” — John Tyler
9. “Budgeting can be fun when you treat it like a puzzle to solve instead of a chore to dread.” — Dave Ramsey
10. “Budgeting isn’t about deprivation, it’s about giving yourself the gift of financial security.” — Unknown
11. “Money management is a lot like a game of Jenga. One wrong move and the whole thing could come crashing down!” — Robert Kiyosaki
12. “Budgeting is like going on a diet. You know it’s good for you, but it’s no fun at all.” — William Henry
13. “The best way to save money is to avoid temptation. And by temptation, I mean the mall.” — Jack Yelton
14. “Rich people have small TVs and big libraries, and poor people have small libraries and big TVs.” – Zig Ziglar
15. “Money is like manure. You have to spread it around or it smells.” – JP Getty
16. “Money is like an arm or a leg. Use it or lose it.” – Henry Ford
17. “This would be a much better world if couples were in love as much as they are in debt.” – Earl Wilson
18. “I finally know what distinguishes man from other beasts: financial worries.” – Jules Renard
19. “A rich man is one who isn’t afraid to ask the salesperson to show him something cheaper.” – Jack Benny
20. “Why stress about money when you can just laugh and make a budget instead?” – Joe Moore
Final Thoughts On Budgeting Quotes
Budget quotes and sayings can be a tool for financial improvement. It all depends on your perspective. I suggest you remind yourself of the meaning of these powerful budgeting quotes as you read them. The goal is to embrace the valuable lessons embedded in the quotes rather than just reading them like nursery rhymes.
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