No matter where you're at on your financial journey, there’s always something you can improve. That’s where having a list of "save money slogans" can come in handy!
Most people enjoy having reached goals for a time, and then want to move on to the next thing. For example, perhaps you’ve just saved $10,000 in a year. That’s a cause for celebration!
But you might now need motivation for your other money goals, so consider using these save money slogans as motivation.
What are save money slogans?
Save money slogans are simply short and to-the-point statements meant to illustrate some truth about finances. Some of them are perfect for a season, while others might make sense for a lifetime.
Saving money slogans can also work much like financial affirmations do. You say them to yourself, write them in visible places you notice frequently, and also try to apply them to your life.
Generally, these slogans are meant to help you think positively about money. And in turn, they guide you in making financial choices but also try to avoid a judgmental tone.
Why using slogans can benefit you
Catchy money slogans can be a great tool because once you commit them to memory, they’ll pop up anytime you need them. They’re easy to remember and often applicable in a lot of situations.
Many of us need things like these slogans to remind us every time a spending or saving opportunity arises. They help us make the best decisions at the right moment.
Some of these slogans are heartfelt, while others are meant to be funny and brighten your day. So they can improve your mood as well as your finances. Some are by people you've heard of, some are commonly known slogans, and some I came up with myself.
That said, whether you need to focus on building an emergency fund, saving for a big event, or putting money towards retirement, there’s a “save money” slogan for you.
List of saving money slogans to inspire you
Now let’s kick things off with some catchy money slogans for every circumstance!
Saving money slogans to motivate you to pay off debt
This first set of money slogans is intended to help you focus when you’re working to pay off debt.
1. The less money you owe, the less income you’ll need and the less you’ll have to save for tomorrow. - Suze Orman
Financial guru Suze Orman points out that getting out of debt is beneficial because it lowers your overall budget needs.
2. It always seems impossible until it’s done. - Nelson Mandela
This one by Nelson Mandela is a good one to help you remember that challenges aren’t insurmountable.
3. I keep my promises, and debt is a promise.
In this save money slogan, you can gain strength from focusing on your identity. Knowing you want to be a person who keeps their promises is a good motivator.
4. Old ways won’t open new doors.
However you got into debt, you likely need to change your ways to get out of it. This is a reminder that you need to do something differently.
5. The best time to change was 20 years ago. The second best time is now.
This is my version of the “plant a tree” proverb. You can apply it to any healthy habit, including paying off debt.
6. How do you eat an elephant? One bite at a time.
Eating an elephant is a weird metaphor for accomplishing enormous tasks (often attributed to Desmond Tutu). You may have a lot of stress due to debt, but you can start with small payments to eventually reach your goal.
7. Becoming debt-free is a gift to myself.
This one's by me: instead of inwardly complaining about having to pay off debt, try to reframe it. Think of your debt-free journey as a path to creating a better life. That’s a big gift to yourself!
8. Know who you want to become and act like that person.
As author James Clear noted in Atomic Habits, you can change by deciding the type of person you’d like to be. So whether you're paying off debt, exercising every morning, or spending more time with your kids, thinking of your identity is important.
9. Debt is normal. Be weird. - Dave Ramsey
Dave Ramsey’s podcast makes a big deal out of the “Debt-Free Scream” because getting out of debt is often a monumental task. Why not go against the status quo of being “normal” with loads of debt?
If debt-free is weird, sign me up. Try this variation on what Ramsey says.
Slogans for investing your savings
Here’s another batch of saving money slogans to try out. These can help you stick to your investing goals so you’ll have a great retirement.
10. Invest now, and your future self will thank you.
This is a pretty basic investing concept: thinking of your future self. Some good habits don’t feel great in the present, but you know they’ll be worth it years down the road.
That’s incredibly true of investing. The earlier in life you start building your investment portfolio, the longer your money has to grow.
11. Compound interest is the eighth wonder of the world. - Albert Einstein
Compound interest is when you earn more interest from interest. That's why Einstein felt it was so powerful.
In other words, when you invest and your investment grows, it grows exponentially, as Albert Einstein reminds us. (Just remember that compound interest also works against you in cases like keeping a credit-card balance!)
12. A penny saved is a penny earned. - Benjamin Franklin
Sometimes I like to reflect on this old adage by Benjamin Franklin. It’s a common save money slogan because when you save an amount of money, you not only save that amount, but you could invest the money to earn even more.
13. Keep calm and invest.
“Keep calm” save money slogans can help you with your investing goals.
Staying calm is essential to investors because you don’t want to panic-sell when stock prices drop, as Schwab explains unless you’re very close to retirement, you should generally stick to your investing plan.
Don’t give in to stock market fear.
14. Time is my most powerful investing tool.
One of the main reasons that time is so essential is due to compounding interest. Compound interest can grow your nest egg, and help increase your net worth.
15. Invest for the long haul. Don’t get too greedy and don’t get too scared. - Shelby M.C. Davis
Again, look at your investments as a long-term game, as M.C. Davis said. Most of us won’t get rich by trying to pick a magical stock, but we can gain wealth by investing for decades.
16. The stock market is a device to transfer money from the impatient to the patient. - Warren Buffett
Now, of course, Warren Buffett has had around 7 decades for his money to grow. But even average investors can build net worth by investing patiently.
17. I invest today for a better tomorrow.
A straightforward save money slogan—you’re making the choice to invest $20, $50, $100, or $1,000 at a time to make a better future.
18. My future net worth is worth today’s sacrifice.
Again, it’s not always easy to forego comfort or luxury right now. But sometimes that’s necessary to prompt you to save for yourself 30, 40, or 50 years in the future.
19. I reinvest every raise in my retirement.
This is a basic guideline you might choose to follow. Instead of giving in to lifestyle inflation, when you receive a raise, don’t increase your spending. If you invest the extra money, you’ll be that much better off in retirement.
Catchy slogans to make you laugh while you save
Some of these save money slogans can be taken with a sense of humor. In fact, they might even illustrate what not to do with your money.
20. I’m saving money for me and my honey.
You can frame saving and investing as a joint effort between you and your partner (and enjoy a rhyme). If your partner is a spender and you happen to be a saver, you’ve got some work to do, but it’s possible!
21. Don’t spend money to buy things you don’t want to impress people you don’t like.
Many famous people, including Dave Ramsey, have quoted some version of this motto. Even if you don’t think you spend money to impress others, we all fall prey to buying things we don’t really want.
Maybe we get bored, or we just click “buy” on a whim. This can help you pause before making a purchase.
22. Money is like manure. You have to spread it around or it smells. - JP Getty
You could interpret this quote from JP Getty as a reason to have a diversified portfolio or just invest in index funds. Or you could also let it guide your charitable giving (don’t keep it all for yourself).
23. I…declare…BANKRUPTCY! - Michael Scott, The Office
(If you’ve never seen the “Money” episode of The Office, take a minute to go on YouTube. Look up the “I declare bankruptcy” scene. You’re welcome.) But this quote also reminds us that it's important to save money so you never find yourself in a bad financial situation.
24. Saving money makes good cents.
Yes, it’s a pretty terrible pun…but even a bad pun can ring true!
25. The safest way to double your money is to fold it over and put it in your pocket. – Kin Hubbard
Get it? This catchy money slogan from Kin Hubbard is just a funny reminder that big promises of investments that will double your money are likely too good to be true.
26. A bank is a place that will lend you money if you can prove that you don’t need it. – Bob Hope
Maybe this isn’t really funny—it’s kind of strange how banks are more likely to lend you money if you already have a lot of it. Bob Hope noted this unfortunate truth. But it is a good reminder to save so you can avoid needing to take out loans.
More money slogans to inspire you to save every day
Craving even more save money slogans? These are a few more of my favorites.
27. A budget is telling your money where to go instead of wondering where it went. - John C. Maxwell
This is a great save money slogan from John C Maxwell, especially as you set about the task of budgeting. Following a budget doesn’t mean living a stingy life; it actually puts you in control of your money.
28. Live like no one else, so later you can live and give like no one else. - Dave Ramsey
Those who listen to the Dave Ramsey Show have no doubt heard his popular slogan. He’s referring to doing the hard work of paying off debt and also living within your means. That way, eventually you’ll be financially secure—and able to give generously.
29. Don’t worry about what the Joneses are buying. They’re broke.
The saying “keeping up with the Joneses” means making financial choices to try and compete with others who may appear wealthier. But remember that often what you see is not the full picture.
While your neighbor or friend on social media might seem to be living in luxury, you don’t know if they took on debt to do so. Their life might not be as great as it looks. That said, don’t compare yourself to others or let them make financial decisions for you.
30. The best things in life are free.
Is this a money motto you live by? It might not be that all the best parts of life are free. But I bet if you think about it, most of the truly meaningful things in your life aren’t a result of spending money.
How many money slogans should you focus on?
The number of catchy money slogans you choose to use each day depends on you.
For many of us, simply relying on one or two powerful money slogans will be enough. You might want to focus on a single slogan about saving money (or just money in general). That’s likely to be the most successful.
If you’re a person who chooses a “word of the year,” maybe a word or phrase related to money would be good to pick. Depending on what step of your money journey you’re on, you could have a few different ones that you think about on a regular basis.
Your slogans or money affirmations can be as helpful as you want them to be. For example, maybe you like to have a saving-money rule to follow at all times, or you need a bit more flexibility.
You probably don’t need dozens of catchy money slogans, so try to pick one or a handful of them that speak to you. Or invent your own unique slogans!
Commit these slogans and sayings to memory
Once you’ve decided on your favorite “save money” slogans to live by, it’s a good idea to place them where you’ll see them. Especially for visual learners, having a slogan posted throughout your home, car, or workplace can be helpful.
For instance, you could write your slogans on post-it notes or make them your screen saver on your laptop or phone. Money slogans could also be written across the front of a daily journal.
These saving money slogans can change your life!
Are these slogans about saving money going to fix your problems? No, they’re not a magical cure for debt or financial mistakes, or misfortune.
What money slogans can do for you is give you a clear path to follow. They’re short and easy to recall when you’re making a decision about spending or saving.
You can save more money and also reach your goals faster by letting the right money phrases guide you!