Budgeting can be a tough habit to maintain, but it’s oh-so-important for women who want to take control of their finances. Because budgeting can feel like a drag sometimes, everyone could use a little extra motivation to keep their spirits elevated when it comes to budgeting. That said, today’s motivation comes in the form of 41 budget quotes that will improve your mindset!
Why budget quotes are inspiring!
Quotes are usually quite brief, so they can help us focus and give us just the push we need to continue on with our day even if the tasks we’re doing don’t feel like they matter much in the moment.
Below are 41 budget quotes to inspire you, motivate you, help you stay on track, and give you ideas to take your budget mindset to the next level.
Quotes on budgeting for overall inspiration
Sometimes, just a little bit of inspiration can be just what we need to stay focused on our budgets. Use these inspirational budget quotes to reignite your passion for budgeting and find the inspiration you need to keep going!
1. “If we command our wealth, we shall be rich and free. If our wealth commands us, we are poor indeed.” – Edmund Burke
2. “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
3. “Every cent you own and every moment you spend is always an investment.” – Natalie Pace
4. “If broke people are making fun of your financial plan, you are on the right track.” – Unknown
5. “Life is a dance between making it happen and letting it happen.” – Arianna Huffington
6. “One reason people resist change is because they focus on what they have to give up, instead of what they have to gain.” – Rick Godwin
7. “A budget doesn’t limit your freedom; it gives you freedom.” – Rachel Cruze
8. “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
Remember why you are budgeting in the first place
What I love about these inspirational budget quotes is that they remind us why we budget, which is helpful when we’re mired deep in the how of budgeting. When we forget the "why", budgeting can sometimes feel like we're just slogging through the numbers and making ourselves feel guilty about what we’ve spent our money on.
But in reality, the whole point of budgeting is to find financial freedom. As Rachel Cruze said, a budget gives you freedom. These quotes can help you keep that freedom top of mind.
I encourage you to pick one or two of these quotes that resonate with you and write them on a post-it note. (Or if you’re feeling fancy, type them up in a pleasing font and print them out.) Post them somewhere you’ll see them often. They’ll inspire you to whip out your budgeting app or spreadsheet even when you don’t feel like it.
Motivating quotes even when budgeting is hard
Sometimes budgeting can be downright hard. t could be that your budget isn't going accordingly to plan or you are just too tired or stressed to track it. These quotes will give you the motivation you need to keep budgeting!
9. “Becoming rich is hard. Staying broke is hard. Choose your hard.” – Eric Worre
10. “You don’t have to see the whole staircase, just take the first step.” – Martin Luther King, Jr.
11. “The slightest adjustments to your daily routines can dramatically alter the outcomes in your life.” – Darren Hardy
12. “It is not necessary to do extraordinary things to get extraordinary results.” – Warren Buffett
13. “Money, like motions, is something you must control to keep your life on the right track.” – Natasha Munson
14. “A budget isn’t about restricting what you can spend. It gives you permission to spend without guilt or regret.” – Unknown
15. “If you don’t get serious about your money, you will never have serious money.” – Grant Cardone
16. “People do not decide their futures. They decide their habits, and their habits decide their futures.” – FM Alexander
Small actions with budgeting add up to big progress over time
One reason why budgeting can feel so draining is that it takes small, consistent, and often monotonous actions to see tangible, exciting results. And as a result, those actions can feel meaningless when we lose sight of why we’re doing them.
On a day-to-day basis, it can be easy to think to yourself, “I won’t ruin my budget if I don’t budget today.” However, say that too many times and soon you won’t have a budget at all.
Use these budget quotes to motivate yourself to keep doing the small actions every day (or at least once a week!). Actions like importing your transactions, categorizing your expenses, and reviewing your monthly budget progress do matter.
Luckily, there are ways to make budgeting easier! Find a budgeting template or tool that works for you and makes budgeting less painful.
Budget quotes to help you save more money
Many people budget to save money, but saving money can be painful and demotivating, especially when you’re first starting out. Here are some quotes to help you stay focused as you work on saving more money:
17. “Money is only a tool. It will take you wherever you wish, but it will not replace you as the driver.” – Ayn Rand
18. “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
19. “You must gain control over your money or the lack of it will forever control you.” – Unknown
20. “When money realizes that it is in good hands, it wants to stay and multiply in those hands.” – Idowu Koyenikan
21. “Beware of little expenses; a little leak will sink a great ship.” – Benjamin Franklin
22. “Don’t give up what you want most for what you want now.” – Unknown
23. “Unless you control your money, making more won’t help. You’ll just have bigger payments.” – Dave Ramsey
24. “Money isn’t about buying bigger and better things. It’s about being prepared to take care of your family.” – Unknown
25. “Save money, and money will save you!” – John Soforic
26. “Don’t save what is left after spending; spend what is left after saving.” – Warren Buffett
27. “The rich get rich because they pay themselves first.” – David Bach
Be intentional about how you spend your money so you can save more money
I subscribe to the philosophy that if you’re cutting back on expenses to the point of depriving yourself of everything you love, you’re not likely to stick with your budget. That said, I didn’t include any budget quotes that shame you for spending money on things you love. Budgeting shouldn’t be about only spending money on the bare necessities.
Instead, save money where you can. Don’t spend your money on expenses that don’t truly bring you joy or value. And if you do have to cut back on some things to save money, use these budget quotes about saving to remind yourself why you’re doing so.
Budgeting quotes that will inspire you to earn more
Sometimes our budgets reveal that if we want to truly make progress toward our financial goals, we need to start earning more money! And when we do start earning more money, our budget helps keep us accountable to actually save that money instead of increasing expenses. Here are our favorite quotes about this:
28. “Become so financially secure that you forget it’s payday.” – Unknown
29. “The more your money works for you, the less you have to work for money.” – Idowu Koyenikan
30 . “The stock market is designed to transfer money from the active to the patient.” – Warren Buffett
31. “Compound interest is the eighth wonder of the world. He who understands it, earns it, he who doesn’t, pays it.” – Albert Einstein
32. “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
You have what it takes to earn more money
Many of these budget quotes reveal that one of the easiest ways to earn more money is to put your money to work for you and invest.
Are you afraid you don’t have enough knowledge about investing to begin investing today? That’s okay. You don’t have to be an expert on investing to get started, and there are plenty of resources to help you learn more. (Order the Clever Girl Finance book Learn How Investing Works, Grow Your Money today!)
You also don’t have to have a lot of money to start investing. Investing just a little bit today can earn you more than investing a lot of money in a few years, thanks to the power of compound interest.
Best quotes on budgeting overall
This last section includes some of the best budget quotes of all time. Many of these budget quotes were spoken by people who have seen firsthand how the power of budgeting helps you grow wealth and become financially secure. (And some of these best budget quotes are just catchy - thanks Snoop Dogg!)
33. “The simplest definition of a budget is ‘telling your money where to go.” – Tsh Oxenreider
34. “Don’t tell me what you value, show me your budget, and I’ll tell you what you value.” – Joe Biden
35. “A budget is telling your money where to go instead of wondering where it went.” – Dave Ramsey
36. “A budget is more than just a series of numbers on a page; it is an embodiment of our values.” – Barack Obama
37. “The budget is not just a collection of numbers, but an expression of our values and aspirations.” – Jacob Lew
38. “Money is a terrible master but an excellent servant.” – P.T. Barnum
39. “Got my mind on my money, and my money on my mind.” – Snoop Dogg
40. “Stop being the chess piece, and start being the chess player. It’s time to master the game of money once and for all.” – Tony Robbins
41. “Budgeting isn’t about limiting yourself – it’s about making the things that excite you possible.” – Unknown
Use these quotes to align your purpose for budgeting with your core values. Chances are, one or two of these will resonate with you and remind you why you’ve committed to budgeting in the first place.
Get inspired by these quotes to stay on track with your budget
Budgeting can set you free financially. Done consistently over time, budgeting allows you to be more intentional about your spending and help you cut back on unnecessary spending without sacrificing the things you love most.
If you're struggling to stay on track with your budget, pick one, two, or even three of these budget quotes that stand out to you and post them in a place you'll see them often. Stay focused, stay motivated, and just keep budgeting.
If you want to become a budget BOSS, make sure to enroll in our free Create a Budget That Works course. Also, check out our other 100% free courses, worksheets, and resources to help you build and maintain a solid financial foundation for the rest of your life!