60 Budgeting Quotes to Improve Your Budget and Be Frugal

Budgeting is a vital aspect of financial management that involves careful tracking of income and expenditures.

Rather than imposing limitations, budgeting allows for planning and optimizing the use of money, aligning spending with personal values and goals.

Regardless of one’s financial standing, strict budget adherence is key to sustainable economic success.

This curated selection of 60 budgeting quotes offers insights from a range of perspectives, including politicians and entrepreneurs.


Each quote underscores the importance of a budget, clarifying its purpose and role in financial planning.

Ultimately, budgeting doesn’t merely account for where money has gone but, more importantly, it strategically directs future spending.

Through these wise words, the essence of budgeting is elucidated, serving as a guide and motivation to those seeking to improve their financial stability and practice frugality.

Top 10 Budgeting Quotes


A budget is telling your money where to go instead of wondering where it went. ~ Dave Ramsey.


The budget is not just a collection of numbers, but an expression of our values and aspirations. ~ Jacob Lew.


Unless you control your money, making more won’t help. You’ll just have bigger payments. ~ Dave Ramsey.


Adhering to budgeting rules shouldn’t trump good decision-making. ~ Emily Oster.


Manage your spending by creating and sticking to a budget. ~ Alexa Von Tobel.


Every cent you own and every moment you spend is always an investment. ~ Natalie Pace.


Do not save what is left after spending… but spend what is left after saving. ~ Warren Buffett.


If you don’t get serious about your money, you will never have serious money. ~ Grant Cardone.


The simplest definition of a budget is “telling your money where to go”. ~ Tsh Oxenreider.


The slightest adjustments to your daily routines can dramatically alter the outcomes in your life. ~ Darren Hardy.


Budgeting is the very last section of the class. We teach students how to manage money. ~ Wes Smith.

Also read: Financial Literacy Quotes to Improve Your Financial Acumen and Inspiring Money Quotes to Make You Wealthy

Famous Budgeting Quotes

Smart financial planning – such as budgeting, saving for emergencies, and preparing for retirement – can help households enjoy better lives while weathering financial shocks. Financial education can play a key role in getting to these outcomes. ~ Ben Bernanke.

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.

A budget is more than just a series of numbers on a page; it is an embodiment of our values. ~ Barack Obama.


Financial freedom is available to those who learn about it and work for it. ~ Robert Kiyosaki.

Just because you can afford it doesn’t mean you should buy it. ~ Suze Orman.


If broke people are making fun of your financial plan, you are on the right track. ~ Unknown.

Wise Budgeting Quotes

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.

Budgeting isn’t about limiting yourself – it’s about making the things that excite you possible. ~ Unknown.


Budgeting only has one rule; Do not go over budget. ~ Leslie Tayne.

We must consult our means rather than our wishes. ~ George Washington.

Don’t think of saving money as a punishment. Think of saving money as a lifestyle change and a means to freedom. ~ Emily G. Stroud.


If you would be wealthy, think of saving as well as getting. ~ Benjamin Franklin.

That is why you call it a budget. A You set it and you don’t budge. ~ Jennifer Morrison.

Prudent Budgeting Quotes


We didn’t actually overspend our budget. The allocation simply fell short of our expenditure. ~ Keith Davis.

Many folks think they aren’t good at earning money when what they don’t know is how to use it. ~ Frank A Clark.

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.


A budget doesn’t limit your freedom; it gives you freedom. ~ Rachel Cruze.

The practice of thrift is not outdated. We must discipline ourselves to live within our incomes even if it means going without or making do. The wise person can distinguish…between basic needs and extravagant wants. Some find budgeting extremely painful, but I promise you, it is never fatal. ~ Marvin J. Ashton.

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.


Empty pockets never held anyone back. Only empty heads and empty hearts can do that. ~ Norman Vincent Peale.

It is critical that kids start to learn the value of money, short-term and long-term saving and budgeting at an early age. ~ Alexa Von Tobel.

It isn’t what you earn but how you spend it that fixes your class. ~ Sinclair Lewis.

Best Budgeting Quotes


The art of living easily as to money is to pitch your scale of living one degree below your means. ~ Sir Henry Taylor.

If we command our wealth, we shall be rich and free. If our wealth commands us, we are poor indeed. ~ Edmund Burke.


A budget tells us what we can’t afford, but it doesn’t keep us from buying it. ~ William Feather.

A budget isn’t about restricting what you can spend. It gives you permission to spend without guilt or regret. ~ Dave Ramsey.

If you want creativity, take a zero off your budget. If you want sustainability, take off two zeros. ~ Jaime Lerner.


Budget: A mathematical confirmation of your suspicions. ~ A.A. Latimer.

Don’t tell me where your priorities are. Show me where you spend your money, and I will tell you what they are. ~ James W Frick.

Quotes about Budgeting


A penny saved is worth two pennies earned . . . after taxes. ~ Randy Thurman.

A cardinal rule in budgeting and saving is to pay yourself first. Once your paycheck hits your account, wisdom has it that you should move some amount to savings even before you pay the bills. ~ John Rampton.

I grew up in a world before people had credit cards, there were no magic cards – it was all about budgeting. – Anthea Turner.


A personal budget is a manifestation of your decision to grab your finances by the balls. ~ Money Tree Man.

The budget doesn’t have much control over the government. Then again, the government doesn’t have much control over the budget. ~ P. J. O’Rourke.

They became millionaires by budgeting and controlling expenses, and they maintain their affluent status the same way. Sometimes. ~ Thomas J Stanley.

A budget is a financial plan to control future operations and results. ~ Jae K. Shim.


Budgeting is a non-negotiable trait to become rich. ~ Ashish Bhave.

Becoming rich is hard. Staying broke is hard. Choose your hard. ~ Eric Worre.

Beware of little expenses a small leak will sink a great ship. ~ Benjamin Franklin.


Budgets are nothing if not statements of priorities. ~ Jeff Merkley.

Become so financially secure that you forget it’s payday. ~ Unknown.

So these were the 60 top quotes about Budgeting.

If you like these quotes and sayings, then you can also read my other popular blog posts on the topics of Debt Free quotes and Saving Money quotes.

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Chandan Negi
Chandan Negi

I’m the Founder of Internet Pillar - I love sharing quotes and motivational content to inspire and motivate people - #quotes #motivation #internetpillar