savings mindset Quotes

As long as we live beyond our means, we are destined to live beneath our means.

Wealth is what you accumulate, not what you spend.

Savings represent much more than mere money value. They are the proof that the saver is worth something in himself. Any fool can waste; any fool can muddle; but it takes something more of a man to save and the more he saves the more of a man he makes of himself. Waste and extravagance unsettle a man's mind for every crisis; thrift, which means some form of self-restraint, steadies it.

When I was growing up, I never expected to be able to afford everything I wanted. There are certain things I couldn't afford. I didn't run around blasting those companies or those things. I just decided I was gonna have to, if I really wanted it, find a way to pay for it. But that doesn't seem to be the attitude today. The attitude today is if you want it, you should have it. And if you can't afford it, it's not your fault. It's the provider's fault because they're corporations and they rip you off and they kill you.

There are two ways to be rich: to have more or need less. It's estimated that we squander about 30 percent of our energy leaving the lights on, the refrigerator door open, and so on. Then there is the enormous amount of food that we expend huge amounts of energy to raise and then throw away.

Live beyond your means, then you're forced to work hard, you have to succeed.

I'm always thinking about losing money as opposed to making money. Don't focus on making money, focus on protecting what you have

I knew once a very covetous, sordid fellow [perhaps William Lowndes], who used to say, 'Take care of the pence, for the pounds will take care of themselves.

When we lavish our money we rob our heir; when we merely save it we rob ourselves.

Nothing is more common than energy in money-making, quite independent of any higher object than its accumulation. A man who devotes himself to this pursuit, body and soul, can scarcely fail to become rich. Very little brains will do; spend less than you earn; add guinea to guinea; scrape and save; and the pile of gold will gradually rise.

Waste begets self-will; thrift begets meanness: but better be mean than self-willed.

If you buy the things you don't need, you will soon be selling the things that you need.

Creating breathing room financially may lower your standard of living but raise your quality of life.

There is a wise old saying 'Eat it up, wear it out, make it do, or do without'. Thrift is a practice of not wasting anything. Some people are able to get by because of the absence of expense. They have their shoes resoled, they patch, they mend, they sew, and they save money. They avoid installment buying, and make purchases only after saving enough to pay cash, thus avoiding interest charges. Frugality means to practice careful economy.

If you can, you will quickly find that 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.

Rich people think long-term. They balance their spending on enjoyment today with investing for freedom tomorrow.

I don't spend money on anything. I don't collect anything. I don't spend it on furniture.

Debt is so ingrained into our culture that most Americans can't even envision a car without a payment ... a house without a mortgage ... a student without a loan ... and credit without a card. We've been sold debt with such repetition and with such fervor that most folks can't conceive of what it would be like to have NO payments.

If frugality were established in the state, and if our expenses were laid out to meet needs rather than superfluities of life, there might be fewer wants, and even fewer pleasures, but infinitely more happiness.

You seem to think that everyone can save money if they have the character to do it. As a matter of fact, there are innumerable people who have a wide choice between saving and giving their children the best possible opportunities. The decision is usually in favor of the children.

Financial peace of mind is not determined by how much we make, but is dependent upon how much we spend!

Be not penny-wise. Riches have wings. Sometimes they fly away of themselves, and sometimes they must be set flying to bring in more.

As a species, we're not only wired to choose today over tomorrow, but we hate to feel like we're losing out on something. The bottom line is, if we feel like we're losing something we avoid it, we won't do it. That's why so many people don't save and invest. Saving sounds like you're giving something up, you're losing something today. But you're not.

Bad debt is sacrificing your future day needs for your present day desires.

I don't go looking for somewhere to spend my money. You can step on a tube of toothpaste for a week, if you have to. I spend what I need to and give it away.