17 Inspiring Quotes For When You’re Struggling To Save

Use inspirational quotes to keep you motivated about savings.

Managing your personal finances and building a savings account in Madison is all about the big picture and simply staying motivated. Keep these quotes in mind to continually inspire your success.

Two of my favorite words are “big picture.” Simple, easy to remember, and helps bring clarity to my life on a daily basis.

Yes, learning something new at work is a challenge but more often than not this new skill or knowledge will simplify the process while saving time.

Yes, that car is more expensive to purchase but that model has the highest safety ratings with along with stellar maintenance reviews..

And yes, I would love cake for breakfast but most likely a little protein will carry me through the morning until lunch without the sugar crash.

Big picture.

If you find yourself struggling for savings inspiration, we’ve collected some of our favorite quotes to help you “keep your eyes on the prize.” Whether you keep a post-it note on the fridge, keep a picture in your daily planner, or go all out with a visualization board, the right quote can help refocus your immediate and long-term financial goals.

“A bargain ain’t a bargain unless it’s something you need.” — Sidney Carroll

This is the perfect reminder if you tend to hit those sales looking for deals. How much are you really saving if it’s not something you actually need? Then imagine how much you’ll save if you don’t purchase at all!

“Wealth is the ability to fully experience life.” — Henry David Thoreau

Friends and family will remember the experience of spending time with you so much more than material items. You can still save for the holidays with a DCCU Holiday Savings account in Madison, but also think of experiences or adventures to share.

“Money looks better in the bank account than on your feet.” — Sophia Amoruso

A balance in your savings account will have more impact in the long run than this season’s newest styles.

Inspirational quotes help you be successful with your saving account in Madison.

“It is never too early to encourage long-term savings.” — Ron Lewis

With little ones in mind, this is the time to encourage open talks about wants and needs. Plant these thoughts now and watch them flourish over time.

“By definition, saving – for anything – requires us to not get things now so that we can get bigger ones later.” — Jean Chatzky

While a weekend away each month sounds amazing, I would rather keep that home equity line available for home efficiency improvements I’ve been planning since winter.

“Beware of little expenses; a small leak will sink a great ship.” — Benjamin Franklin

Imagine limiting that daily $5 latte or lunch out to Fridays only. Over a month, that’s an additional $80 towards your Emergency Fund or that new washer/dryer you know you will need this year. Small purchases here and there will not sabotage your plans IF you’re diligent about tracking your spending habits.

“When I was young I used to think that money was the most important thing in life; now that I am old, I know it is.” —  Oscar Wilde

With online banking and a variety of savings accounts (including IRAs), it’s never been easier to start saving for your future. It may not feel like there isn’t much to contribute now but paying yourself first will make a difference down the line.

“Someone’s sitting in the shade today because someone planted a tree a long time ago.” — Warren Buffett

If “planting a tree” or making those first steps is too daunting, let the folks at DCCU review savings options with you. Sometimes it’s making that very first call to set you on the path to financial security that is the most important.

“Stop buying things you don’t need, to impress people you don’t even like.” — Suze Orman

While there is something to be said for investing in quality pieces that will increase in value over time, it’s also about keeping your goals in mind. While it’s tempting to have my 1999 car painted for the next 150,000 miles, those funds are better spent on maintaining the car than making it prettier.

Even coin can add up to help build your savings account.

“A budget is telling your money where to go, instead of wondering where it went.” — John C. Maxwell

Along with paying yourself first on each payday, a budget will keep you on track throughout the month and year. Using The Hub will show where funds were applied for bills, necessities, and incidentals. (It’s those incidentals we have to watch.)

“It takes as much energy to wish as it does to plan.” — Eleanore Roosevelt

The most thought-provoking quotes and visualizations boards can inspire but you still need a plan to see it through. Saving 20% down payment for a new house is a great goal but it’s breaking down that goal to mini-monthly goals that will help you make it happen.


“Save one third, live on one-third, and give away one-third.” — Angelina Jolie

This really hits the highlights: pay yourself first, live within your budget, and allow for donations to your favorite organization.

“Don’t tell me what you value, show me your budget, and I’ll tell you what you value.” — Joe Biden

The more frivolous purchases can be fun in the moment but think about that purchase on autorepeat. Do you value new shoes every season more than owning a sense of security with your own home?

“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

Great thought to keep in mind when receiving a raise at work. Yes, you could eat out more often or add on to your cable package. Or continue living on your current budget (pre-raise) and applying that additional income towards saving, debt reduction, donating, and investing. Working towards your financial goals will provide far more security than the newest video game or electronic toy.

“Every time you borrow money, you’re robbing your future self.” — Nathan W. Morris

Borrowing money is sometimes simply a necessity. The trick is find a way to not only pay it back but avoid recreating that situation on a regular basis. If I continually live in apartments outside my means, I will continually be living beyond my budget. If I can adjust my lifestyle to live within my means, I am less likely to borrow money. More importantly, I am more likely to be in a position to save for my “future self.”

Money rolls help remind you to keep saving.

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

Saving up for those major purchases will help minimize debt while keeping a budget in line. Yes, I could simply charge a washer/dryer and spend the next year paying it off. However, if I can delay the purchase I will both avoid debt and paying interest.

And last but not least:

“I have not failed. I’ve just found 10,000 ways that won’t work.” — Thomas A. Edison

Instead of focusing on what hasn’t worked, keep in mind all the ways you have learned to successfully manage your finances. From eating out less often to using online banking, you’ve probably made more progress than you realize.

If you are looking to focus in your “big picture” goals, contact your favorite DCCU staff member and see what a little planning can do with some inspiration.


Published by

Hillary W.

Hillary is a 2008 graduate of UW-Madison. She is a proud Badger all the way, but her strong love of travelling led her to a graduate program out in Phoenix, AZ, which she absolutely adored. Now, back in Madison, Hillary is once again connected to her Wisconsin roots. In the winter, you can find her on the ski slopes whenever she has time. In summer, she's on the bike path or enjoying a good book along any stretch of lakefront. Also a passionate Mallards fan, look for her at Warner Park whenever a game is in town!