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If you wish to prosper, you need to save

• 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 advantage.  Brigham Young
• If you would be wealthy, think of saving as well as getting. Ben Franklin
• In the family, as in the state, the best source of wealth is economy. Cicero
• On the first day of every week each one of you is to put aside and save, as he may prosper. Corinthians 16:2
• Frugality,  Wealth,  Prosperity

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Save for the wants of tomorrow

• All days are not same. Save for a rainy day. When you don’t work, savings will work for you. K. Soni.
• It is thrifty to prepare today for the wants of tomorrow. Aesop
• Is better to have a hen tomorrow than an egg today. Thomas Fuller

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Save for old age

• Save your money. You’re going to need twice as much money in your old age as you think.  Michael Caine
• Getting older gracefully

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Save even if you earn a little

• Try to save something while your salary is small; it’s impossible to save after you begin to earn more. Jack Benny
• Though small was your allowance / You saved a little store / And those who save a little / Shall get a plenty more. William Makepeace Thackeray

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Save especially in times of prosperity

• When prosperity comes, do not use all of it. Confucius
• When you have money, think of the time when you had none. Japanese Proverb
• In prosperity prepare for a change; in adversity hope for one. James Burgh

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From saving comes having …

• A penny here, and a dollar there, placed at interest, goes on accumulating, and in this way the desired result is attained. T. Barnum
• From saving comes having. Scottish Proverb
• Those who save, have; those who have get. Proverb

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… for money saved is money gained

• Money saved is as good as money gained. Danish Proverb
• Saving is a greater art than gaining. German Proverb
• He who saves, finds. Spanish Proverb
• A penny saved is a penny earned. Benjamin Franklin
• A penny saved is worth two pennies earned…after taxes. Randy Thurman

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Over time, savings amounts to a lot

• A penny here, and a dollar there, placed at interest, goes on accumulating, and in this way the desired result is attained. T. Barnum
• Compound interest is the eighth wonder of the world. Albert Einstein
• He who gathers money little by little makes it grow. Proverbs 13:11
• Spend less than you make; always be saving something. Put it into a tax-deferred account. Over time, it will begin to amount to something. This is such a no-brainer. Charlie Munger

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Saving will save you from the pain of poverty

• Resolve not to be poor: whatever you have, spend less. Poverty is a great enemy to human happiness; it certainly destroys liberty, and it makes some virtues impracticable, and others extremely difficult. Samuel Johnson
• A full purse is not as good as an empty one is bad. Yiddish Proverb
• Poverty

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Saving will bring you later freedom

• If you have money, you can make the devil push your grindstone. Chinese Proverb
• The best thing money can buy is financial freedom.
• Freedom

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Saving will bring you peace of mind

• There is a certain Buddhistic calm that comes from having money in the bank. Tom Robbins
• Inner peace

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Saving fosters virtue

• 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. Munger
• Virtue

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Saving will help you gain control

• Save a part of your income and begin now, for the man with a surplus controls circumstances and the man without a surplus is controlled by circumstances. Henry Buckley
• Control

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Live below your means to expand your means

• Live below your means with the intent to expand your means. MJ DeMarco
• No one is rich whose expenditures exceed his means, and no one is poor whose incomings exceed his outgoings. Thomas Chandler Haliburton

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Embrace frugality

• How large an income is thrift! Cicero
• If we fasten our attention on what we have, rather than what we lack, a very little wealth is sufficient. Francis Johnson
• Industry is fortunes right hand, and frugality its left. John Ray
• Wealth can only be accumulated by the earnings of industry and the savings of frugality. John Tyler
• Use it up, Wear it out, Make it do, Or do without. New England Proverb
• Those who spend too much will eventually be owned by those who are thrifty. John Templeton
• The way to wealth depends on just two words, industry and frugality. Benjamin Franklin
• Freedom is low overhead.
• Frugality

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Control your spending …

• A bargain ain’t a bargain unless it’s something you need. Sidney Carroll
• Americans spend all or most of their income on things that have little or no lasting value. Thomas Stanley
• Beware of little expenses; a small leak will sink a great ship. Benjamin Franklin
• When you are tempted to buy some novelty item – such as a towel roll with a music box in it – visualize it in a pile of junk at a yard sale with a 50-cent price tag on it. Edward H. Romney
• Never spend your money before you have earned it.
• It’s not your salary that makes you rich, it’s your spending habits. Charles A Jaffe

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… by creating a budget

• A budget is telling your money where to go instead of wondering where it went. John Maxwell
• Don’t tell me what you value, show me your budget, and I’ll tell you what you value. Joe Biden
• Have the courage to set down every penny you spend, and add it up weekly. Josephus Nelson Larned

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Invest your savings

• How many millionaires do you know who have become wealthy by investing in savings accounts? I rest my case. Robert G. Allen
• Rich people invest money and poor people spend it. Grant Cardone
• Investing

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Invest in yourself too

• I think that much of the advice given to young men about saving money is wrong. I never saved a cent until I was forty years old. I invested in myself – in study, in mastering my tools, in preparation. Many a man who is putting a few dollars a week into the bank would do much better to put it into himself. Henry Ford
• Old men are always advising young men to save money. That is bad advice. Don’t save every nickel. Invest in yourself. I never saved a dollar until I was forty years old. Henry Ford

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Save what you can but also give

• Make all you can; save all you can; give all you can. John Wesley
• Be saving, but not at the cost of all liberality. Have the soul of a king and the hand of a wise economist. Joseph Joubert
• Giving,  Generosity

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Save what you can but also spend …

• A man who both spends and saves money is the happiest man, because he has both enjoyments. Samuel Johnson
• He who saves in little things, can be liberal in great ones. German Proverb
• Be saving, but not at the cost of all liberality. Have the soul of a king and the hand of a wise economist. Joseph Joubert

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… for it’s important not only to save but to live too …

• Start living now. Stop saving the good china for that special occasion. Stop withholding your love until that special person materializes. Every day you are alive is a special occasion. Every minute, every breath, is a gift from God. Mary Manin Morrissey
• Live rich, don’t die rich

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… but only spend what you have left after saving

• The secret of financial success is to spend what you have left after saving, instead of saving what is left after spending.
• A simple fact that is hard to learn is that the time to save money is when you have some. Joe Moore
• Do not save what is left after spending but spend what is left after saving. Warren Buffet
• You must learn to save first and spend afterwards. John Poole
• The time to save money is when you have some. Joe Moore
• Saving comes too late when you get to the bottom. Seneca

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• Write a list before you go shopping – and stick to it.
• Invite friends over instead of going out.
• Whenever you’re considering making an unnecessary purchase, wait thirty days and then ask yourself if you still want that item.
• Wash clothes in cold water.
• Eat before you go to the supermarket. When you are not hungry, you tend to buy less food.
• Switch off your heater, air-conditioner and lights in rooms you’re not using.
• Turn off your electrical appliances at the powerpoint.
• Turn on the washing machine and the dishwasher only when they are full.
• Have 2 minute showers.
• Wash clothes with cold water.
• Give up drinking coffee or cut down on alcohol.
• Make your lunch at home.
• Have people over for dinner rather than going out and ask everyone to bring a plate of food.
• Borrow books and DVDs from the library.
• Set a limit for birthday and Christmas presents or give homemade gifts.
• Switch your bank accounts to a bank that respects you.
• Sign up for every free customer rewards program you can.
• For coffee lovers – buy an espresso machine.
• Make your own gifts.
• Cut back on the convenience foods – fast foods, microwave meals, and so on.
• Give up expensive habits, like cigarettes, alcohol, and drugs.
• Buy the generic version of drugs.
• Cut out prepackaged snacks.
• Take a prepared lunch to work.
• Reduce the length of your showers.
• Grow your own herbs.
• Turn lights off when you’re not in the room.
• Reduce your credit limit as you reduce your debt.
• Don’t shop so often. Apart from perishables, do one fortnightly shop only.
• Pay your bills on time and avoid late fees.
• Don’t go shopping when you’re hungry! This may lead to impulse purchases.
• Buy in bulk where possible.
• Install a water-efficient shower head.
• Choose camping instead of hotels.
• Make a quadruple batch of a casserole.
• Be diligent about turning off lights before you leave.
• Grow your own veggies.
• Use energy efficient light bulbs.
• Have a written budget to control your expenses.
• Cancel unused club memberships.
• When shopping for standard items, start by shopping used.
• Do holiday shopping right after the holidays.
• Try generic brands of items you buy regularly.
• Take cash. Taking only cash on a night out limits how much you can spend.
• Look objectively at the subscriptions and memberships that you have and decide whether you’re getting good value from each of them.
• Whenever you pick up an item in order to add it to your cart or to take it to the checkout, stop for ten seconds and ask yourself why you’re buying it and whether you actually need it or not.
• Get rid of unread magazine subscriptions.
• Eat breakfast.
• Swap babysitting with neighbors.
• If something’s broken, give a fair shot at repairing it yourself before replacing it or calling a repairman.
• Take public transportation.
• Cut your own hair.
• Eat less meat.
• Go on local holidays instead of overseas.
• Buy staples in bulk.
• Don’t speed.

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• Live cleanly, rightly, beautifully. Take walks and read books, laugh and save money. Andy Raskin
• Before you speak, listen. Before you write, think. Before you spend, earn. Before you invest, investigate. Before you criticize, wait. Before you pray, forgive. Before you quit, try. Before you retire, save. Before you die, give. William A. Ward
• Do something today that your future self will thank you for.
• If saving money is wrong, I don’t want to be right! William Shatner
• It is never too early to encourage long-term savings. Ron Lewis
• Save money and money will save you. Jamaican Proverb
• Personally, I tend to worry about what I save, not what I spend. Paul Clitheroe
• Personally, I tend to worry about what I save, not what I spend. Paul Clitheroe
• Spend not where you may save; spare not where you must spend. John Ray
• The best way to save money is not to lose it. Les Williams
• The farmer’s way of saving money; to be owed by someone he trusted. Hugh MacLennan

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• The safest way to double your money is to fold it over once and put it in your pocket. Kin Hubbard
• Save a little money each month and at the end of the year, you’ll be surprised at how little you have. Ernest Haskins

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