This post is about 14 exhilarating personal finance money quotes that are encouraging and thought-provoking which are biblical and non-biblical money quotes that will encourage you to manage and eliminate bad personal finance habits and debts. These 14 money inspirational quotes give insight on how to spend your money wisely.  In the process of reducing my own personal financial debt, I meditate on these quotes to restrain myself from spending unnecessarily.

While these biblical passages are designed to help you to become a better manager of your money, the ultimate goal is to enhance and enrich your spiritual life.  We should not worship money but see it as a tool needed to help maintain our standard of living, help others, and support those worthy causes that add value to all lives!

Money Quotes

If you are like me, I need some inspiration while I conquer my personal financial debt to keep the momentum going.  I found these 14 biblical and non-biblical quotes to keep me encouraged.

This post is all about 14 exhilarating personal finance biblical and non-biblical money quotes to keep you inspired on your personal financial journey to becoming debt-free,


Here are the 14 biblical and non-biblical money quotes that helped me keep things in the right perspective when it comes to money; they may help you too!

1. 2 Corinthians 9:7-8

Each of you should give what you have decided in your heart to give. You shouldn’t give if you don’t want to. You shouldn’t give because you are forced to. God loves a cheerful giver.  And God is able to shower all kinds of blessings on you. So in all things and at all times, you will have everything you need. You will do more and more good works. When you give money, never give because someone forced or manipulated you to do it.  Give because you are grateful and thankful for the numerous blessings that God bestows upon you every day.  Give with a cheerful heart!  There will be times when you say to yourself, I can’t afford to give,” especially when you look at all your personal debt and obligations.  This makes it even harder!  If you can only give one dollar and it is coming sincerely from the heart, give it consistently and ask God to increase your faith in giving.  Trust me, I understand!  I have not always been a cheerful giver, especially when it comes to the church.


2. Deuteronomy 8:18

Although God was speaking to the children of  Israel, it is applicable to all of us still to this very day.  Your wealth and success come from God. Of course, you played a  small part in gaining your wealth but remember who gave you the ability to do so.  When we have earned that college degree and working a job that pays a six-figure salary, sometimes we have the tendency to become ignorant and stub our nose up at the less fortunate.  Regardless of what status of lifestyle we may have, high or low living, God gives us the strength and wisdom to achieve; therefore, take none of God’s glory for prosperity. “You shall remember the LORD your God, for it is he who gives you the power to get wealth, that he may confirm his covenant that he swore to your fathers, as it is this day.”


3. Proverbs 21:20

This biblical passage is telling me I cannot spend every dime I earn.  I must save some for a rainy day, for example, a job loss pandemic. etc.  There will be hard times; it is just a matter of when.  My father always told me to save some of my money, but he never showed me how.  When you are young, poor, immature, and never really had any money, and you finally get money, you began to spend ridiculously! Maxing out the credit cards!  Careless spending can leave you homeless and in bankruptcy court.  I am learning to spend and live below my means.  I want to be wise and not a fool.  Do you want to be wise or a fool with your money?  ”The wise have wealth and luxury, but fools spend whatever they get.”


4. Proverbs 13:11

Don’t always look for instant gratification!  Don’t become of victim of quick-rich schemes.  Let no one tell you, “if you do not purchase within the next 24 hours, you are going to miss out on a great one-time deal.”  If you must go into more debt to get this item that makes you a millionaire for 30 days, then it is not for you!  You think you will get a higher return on your investment.  Watch out for get quick schemes! Continue to work hard for yourself and watch it grow. Learn how to make wise investments by doing your research.  Gain your wealth honorably.  “ Wealth from get-rich schemes quickly disappears; wealth from hard work grows over time.”


5. Proverbs 3:9-10

“Honor the Lord with your wealth and with the best part of everything you produce. Then he will fill your barns with grain, and your vats will overflow with good wine.”

With the wealth we receive, giving a portion back to God should be our first priority.  There used to be a time when I could not comprehend this concept because of the overwhelming bills in my life.  Although I am not where I would like to be in my personal finance, I now understand how important it is to give back to the edifying of God’s kingdom. I give with a cheerful heart because God allows me to have a large portion of it.  I just need to know how to manage it well.  Your overflow comes from managing and utilizing the leftover wisely.


6. I Timothy 6:10

“For the love of money is the root of all kinds of evil.  And some people, craving money, have wandered from the true faith and pierced themselves with many sorrows.”

Avoid loving and seeking to make money your life goal!  It’s the root of all kinds of evils.  While money is the root of evil, it is not the only thing that causes evil.  There are other things that can cause evil that can make people leave their faith, such as power and prestige.  If we seek to please God, be content, share, and understand we can take nothing with us when we leave this world, this could prevent us from walking away from the faith.


7. Proverbs 22:26

“Don’t agree to guarantee another person’s debt or put-up security for someone else.”  Don’t co-sign on a loan for anyone.  When the individual cannot make the payments, you now become responsible for making the payments.  If you cannot make those payments, it affects your credit. If you are not financially healthy where you have extra money to make those payments, you could possibly lose everything you are trying to maintain.


8. Ray Dalio says,Remember that the only purpose of money is to get you what you want, so think hard about what you value and put it above money.”

In this quote, I believe Dalio is saying while money will get the things you want in life, you should be careful how much value you put on money.  What is something money cannot buy?  For example, the quality time you spend with family, attending a child’s football game, your child’s recital, or your child’s first steps!


9. “Money never made a man happy yet, nor will it. There is nothing in its nature to produce happiness. The more a man has, the more he wants. Instead of filling a vacuum, it makes one” to Benjamin Franklin.

 I agree!  If accumulating more and more money is your end goal, perhaps there is a vacuum that needs to be filled.  Yes, we need money to live, but we should not become obsessed with it or let it obsess us.  It is only a temporary fix to happiness! Like Dalio said, “think about what you value most and make it a priority in your life.”


10.  “He who loses money loses much; He who loses a friend loses much more; He who loses faith loses all” Eleanor Roosevelt

This quote gives you three things to think about, with an implied decision to make the right choice.  Money, a friend, and your faith can all be lost if you do put things in perspective.  I believe my faith should take top priority because God said when you seek me first and things that matter to Him. Everything else will follow, for example, money and friends.


11. “Before you speak, listen. Before you write, think. Before you spend, earn. Before you invest, investigate. Before you criticize, wait. Before you pray, forgive. Before you quit, try. Before you retire, save. Before you die, give.” William A. Ward

The word “before” is mentioned nine times in this phrase.  This means to advance a step, this must be done first. I really like the wise advice Ward offers because it requires you to actively do this first to achieve some type of results.  For instance, when we get a new job, we have already spent the money (i.e. buy a new car) before we have established a foundation at the job, not realizing that we could be dismissed at any time.


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

 We should ask ourselves the questions:  Is this a need or want, and how can it add value to my life. I feel if it is not essential and does not add value to my life, then I should leave it where it is.


 13. You can only become truly accomplished at something you love. Don’t make money your goal. Instead, pursue the things you love doing, and then do them so well that people can’t take their eyes off you.” Maya Angelou 

 When you pursue your gift or the one thing you love doing, only then it will make room for you to use it, but it will also make money for you, especially if you do it well and it is from the heart.


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

It is not how much you earn!  Rather, it is how well you manage what you earn.  Over time, a little can become plentiful!


These are inspirational money quotes that are biblical and non-biblical that I ponder on to encourage me while on my personal financial journey to becoming debt-free.  Also, these are my interpretations and thoughts on what I believe the quotes mean. Your thoughts could be totally different, and this is okay too!


This post is all about 14 biblical and non-biblical money quotes used to encourage yourself while conquering personal financial debt.



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