Who doesn’t need a dose of inspiration now and again? Whether you’re training for a marathon, trying to stay on top of your workload, or chasing after a financial goal, we all need a little bit of motivation to keep us going.
I am a total sap for inspirational quotes. Those posters of the sunsets with the words, “If you can dream it, you can do it,” across the fading sun…oh boy, they get me every time. I really do feel like I can chase down my dreams when I see them!
Financial goals can be particularly difficult to stay motivated for. After all, the whole world is just trying to part you from your money. Around every corner is the latest and greatest something for you to spend your cash on.
Whatever your goal is – trying to pay down debt, save for a vacation, or pay your way through college – will take some time to achieve. Staying motivated over a period of time is hard!
So take some of my favorite financial quotes for your own dose of inspiration today. These babies are tried and true for me. Post them someplace you’ll see them frequently, like your computer background or a vision board. Then, be inspired to reach your goals!
Show Me Where You Spend and I’ll Show You What You Value
There are a few variations of this old favorite out there. I love it for so many reasons.
When I first started tracking my expenses, I repeated this to myself over and over again.
Why? I had a shameful little secret – when I was underemployed, I bought myself a Twix candy bar every day. It was a little thing I told myself I deserved and it made me feel happy. I walked to the grocery store to buy that one thing every day. They were only $.68, so I would dig into my change jar, walk over there, and make my little purchase.
Only I did that pretty much every day for two months, and suddenly, that tiny $.68 wasn’t so tiny anymore! At the end of two months I had spent almost $40.00 on candy!
I was appalled when I tracked that expense. I was valuing Twix to the tune of $20.00 a month, and delicious as they are, they are not worth that much.
I was underemployed and constantly stressed about money, but my spending was still irresponsible. I was doing myself a disservice and only adding to my stress level.
By getting a handle on where my money was going and by understanding the impact each purchase had, I was able to turn my whole financial life around.
If you’re buying lunch out every day and complaining that you’re always broke, I urge you to take a look at your spending habits. You could be spending your dream vacation money on lattes every morning.
If you want to get out of debt or save for a house, take a look at where your money is already going. Then you’ll see what you’re currently prioritizing.
If your priorities are already on point, just keep on keeping on! Even the best laid plans take a little time to become reality.
Time is more valuable than money. You can get more money, but you cannot get more time. – Jim Rohn
I think about this a lot. What’s worth my money, and what’s worth my time?
I’ve talked before about how walking has been a great way for me to cut my spending. It’s also been a great way to save time.
Yes, of course cars are faster. However, when you factor in looking for parking, traffic delays, construction delays (two very common things in my city), or getting lost (a very common thing in my life), driving still eats up a lot of time and causes stress.
When I walk somewhere, I’m usually walking directly there. I rarely get lost. I never have to look for and then pay for parking. It’s better for my health, so I can also save time on exercising later (or maybe skip a workout session all together).
This applies to money in many other ways. Debt is a huge time loss. You have to pay your debt back, meaning you have to spend more time working for that money.
While we all work to pay for our living, not having debt could allow you to meet your needs with just a part-time job, or allow you to work at a job you feel passionate about for less.
As I’m continuing to pay off my student loans, this is my mantra. I don’t want my loan company to own my time. I want to own my time and how I spend it.
I want my work and my earnings to be totally mine, not to have to be sent to Visa or Sallie Mae each month.
As Drake says,”YOLO.” It may seem silly or overdone at this point, but at the core, it’s the truth. We DO only live once, and we can’t take anything with us when we go. Your time is more valuable than your money.
Try to save something while your salary is small; it’s impossible to save after you begin to earn more. – Jack Benny
This is a little tongue in cheek quote I like to use to make myself smile. I make sub $30,000 a year and sometimes it feels like saving is the most difficult thing in my life. “I need more money!” I cry as I look at my accounts.
The truth is you can establish saving habits at any income level. Once your income rises, spending usually rises as well. It’s called lifestyle inflation – the more money you have, the more you’ll spend.
It’s a tricky little truth to most people’s lives. If you can establish good saving habits right out of school, or right when you enter the workforce, you can maintain them even as your salary increases.
If you lived off of $23,000 when you made $27,000, then you can definitely live off of $23,000 when you’re making $35,000.
Not getting into the routine of saving when you first start managing your money makes it a lot harder to save when your money increases. People in the mindset of spending everything they earn keep that mindset even as their earnings change. Make saving a priority and a habit, and you’ll be more secure and comfortable no matter what your income level is.
What are your favorite financial quotes? Which ones did you like the best here?