---
title: "Meaning & Key Takeaway of: The way to build your savings is by…"
description: "\"The way to build your savings is by spending less each month.\" — Suze Orman"
image: "https://sms4smile.com/quotes/i/e75/suze-orman-1007_each-month_the-way-to-build-your-savings-is-by-spen_923016.png"
---

#  The way to build your savings is by spending less each…

![“The way to build your savings is by spending less each month.” quote by Suze Orman](https://sms4smile.com/quotes/i/e75/suze-orman-1007_each-month_the-way-to-build-your-savings-is-by-spen_923016.png)   [Download](https://sms4smile.com/quotes/i/e75/suze-orman-1007_each-month_the-way-to-build-your-savings-is-by-spen_923016.png) [Open image](https://sms4smile.com/quotes/i/e75/suze-orman-1007_each-month_the-way-to-build-your-savings-is-by-spen_923016.png)

> “The way to build your savings is by spending less each month.”

[Suze Orman](https://sms4smile.com/quotes/author/suze-orman/)

## About This Quote

This interpretation was drafted with AI assistance. It is one reading of the quote, not the author's own explanation.

Saving grows when you consistently reduce monthly expenses.

**In simple terms:** Spend less each month to build savings.

Key Takeaway

Track spending and cut unnecessary costs.

Themes

personal finance budgeting savings

Mood

motivational practical

Type

financial advice self‑help

When to use this quote

- monthly budgeting
- expense tracking
- goal setting
- debt reduction

Key Concepts

compound interest financial discipline

Questions to Reflect On

- What expense can you reduce this month?
- How will saved money improve your future?

A Different Perspective

Requires discipline; may limit short‑term enjoyment.

★ ★ ★ ★ ★   No ratings yet

[Each month](https://sms4smile.com/quotes/about/each-month/) [Saving](https://sms4smile.com/quotes/about/saving/) [Savings](https://sms4smile.com/quotes/about/savings/)

## Related quotes

> [Your goal should be to pay off your credit card bills in full at the end of each month and set aside money toward…](https://sms4smile.com/quotes/suze-orman/your-goal-should-be-to-pay-off-your-credit-card-bills-in-full-at-the/)

[Suze Orman](https://sms4smile.com/quotes/author/suze-orman/)

> [Do not leave yourself or your family unprotected against financial storms... Build up savings.](https://sms4smile.com/quotes/ezra-taft-benson/do-not-leave-yourself-or-your-family-unprotected-against-financial/)

[Ezra Taft Benson](https://sms4smile.com/quotes/author/ezra-taft-benson/)

> [For a long time, I kept working at part-time jobs... my goal was to build up enough savings so I wouldn't be kicked out…](https://sms4smile.com/quotes/janet-fish/for-a-long-time-i-kept-working-at-part-time-jobs-my-goal-was-to-build/)

[Janet Fish](https://sms4smile.com/quotes/author/janet-fish/)

> [Those carrying a credit card balance should scale back to making the minimum payment each month so they have more money to put into…](https://sms4smile.com/quotes/suze-orman/those-carrying-a-credit-card-balance-should-scale-back-to-making-the/)

[Suze Orman](https://sms4smile.com/quotes/author/suze-orman/)

> [“MONTH ONE ACTION PLAN Open a new checking account that is free of monthly maintenance fees. Notify your employer to have your direct deposit…](https://sms4smile.com/quotes/suze-orman/month-one-action-plan-open-a-new-checking-account-that-is-free-of/)

[Suze Orman](https://sms4smile.com/quotes/author/suze-orman/)

> [I've been spending this last month trying to find four outfits to wear to the different premieres of The Two Towers. It's hard work.](https://sms4smile.com/quotes/liv-tyler/i-ve-been-spending-this-last-month-trying-to-find-four-outfits-to/)

[Liv Tyler](https://sms4smile.com/quotes/author/liv-tyler/)

> [Never invest emergency savings in the stock market.](https://sms4smile.com/quotes/suze-orman/never-invest-emergency-savings-in-the-stock-market/)

[Suze Orman](https://sms4smile.com/quotes/author/suze-orman/)

> [I get so frustrated when people tell me it's unrealistic to create an eight-month emergency savings fund, or have money saved for a home…](https://sms4smile.com/quotes/suze-orman/i-get-so-frustrated-when-people-tell-me-it-s-unrealistic-to-create-an/)

[Suze Orman](https://sms4smile.com/quotes/author/suze-orman/)

> [If you make time each month to give your money some attention, you'll start the next year in fabulous financial shape.](https://sms4smile.com/quotes/suze-orman/if-you-make-time-each-month-to-give-your-money-some-attention-you-ll/)

[Suze Orman](https://sms4smile.com/quotes/author/suze-orman/)

> [Why is it so hard to see that when America had high savings, low taxes and minimal government, the economy grew like a week,…](https://sms4smile.com/quotes/james-cook/why-is-it-so-hard-to-see-that-when-america-had-high-savings-low-taxes/)

[James Cook](https://sms4smile.com/quotes/author/james-cook/)

> [Inflation is not caused by the actions of private citizens, but by the government: by an artificial expansion of the money supply required to…](https://sms4smile.com/quotes/ayn-rand/inflation-is-not-caused-by-the-actions-of-private-citizens-but-by-the/)

[Ayn Rand](https://sms4smile.com/quotes/author/ayn-rand/)

> [I hate weekends because there is no stock market](https://sms4smile.com/quotes/rene-rivkin/i-hate-weekends-because-there-is-no-stock-market/)

Rene Rivkin

> [A faithfully kept program of savings and conservative investments can give you more money and a better life than that of your neighbors who…](https://sms4smile.com/quotes/jane-bryant-quinn/a-faithfully-kept-program-of-savings-and-conservative-investments-can/)

[Jane Bryant Quinn](https://sms4smile.com/quotes/author/jane-bryant-quinn/)

> [Both fact and logic seem to me to support the view that savings invested in privately owned economic tools of production amount to an…](https://sms4smile.com/quotes/f-a-harper/both-fact-and-logic-seem-to-me-to-support-the-view-that-savings/)

F. A. Harper

> [It's not just that families can't buy a home or start a business without some savings tucked away.](https://sms4smile.com/quotes/jim-cooper/it-s-not-just-that-families-can-t-buy-a-home-or-start-a-business/)

[Jim Cooper](https://sms4smile.com/quotes/author/jim-cooper/)

## More by Suze Orman

> [I've never believed unemployment numbers because the way that they calculate unemployment makes no sense whatsoever. It's not how many people are unemployed. It's…](https://sms4smile.com/quotes/suze-orman/i-ve-never-believed-unemployment-numbers-because-the-way-that-they/)

[Suze Orman](https://sms4smile.com/quotes/author/suze-orman/)

> [Never invest emergency savings in the stock market.](https://sms4smile.com/quotes/suze-orman/never-invest-emergency-savings-in-the-stock-market/)

[Suze Orman](https://sms4smile.com/quotes/author/suze-orman/)

> [Just because you can afford it doesn't mean you should buy it.](https://sms4smile.com/quotes/suze-orman/just-because-you-can-afford-it-doesn-t-mean-you-should-buy-it/)

[Suze Orman](https://sms4smile.com/quotes/author/suze-orman/)

> [Your goal should be to pay off your credit card bills in full at the end of each month and set aside money toward…](https://sms4smile.com/quotes/suze-orman/your-goal-should-be-to-pay-off-your-credit-card-bills-in-full-at-the/)

[Suze Orman](https://sms4smile.com/quotes/author/suze-orman/)

> [Consider a 15- or 20-year fixed-rate mortgage instead of a 30-year, if you can afford the monthly payments - they may not be as…](https://sms4smile.com/quotes/suze-orman/consider-a-15-or-20-year-fixed-rate-mortgage-instead-of-a-30-year-if/)

[Suze Orman](https://sms4smile.com/quotes/author/suze-orman/)

> [Believing you are worthy of love means that you believe I deserve to be treated well - with respect and dignity. I deserve to…](https://sms4smile.com/quotes/suze-orman/believing-you-are-worthy-of-love-means-that-you-believe-i-deserve-to/)

[Suze Orman](https://sms4smile.com/quotes/author/suze-orman/)

> [Women fake orgasms and men fake finances.](https://sms4smile.com/quotes/suze-orman/women-fake-orgasms-and-men-fake-finances/)

[Suze Orman](https://sms4smile.com/quotes/author/suze-orman/)

> [If you're not staying on top of your money, you are putting your financial well-being at risk.](https://sms4smile.com/quotes/suze-orman/if-you-re-not-staying-on-top-of-your-money-you-are-putting-your/)

[Suze Orman](https://sms4smile.com/quotes/author/suze-orman/)

> [When you understand that your self-worth is not determined by your net-worth, then you'll have financial freedom](https://sms4smile.com/quotes/suze-orman/when-you-understand-that-your-self-worth-is-not-determined-by-your/)

[Suze Orman](https://sms4smile.com/quotes/author/suze-orman/)

> [ I think Oprah's \[winfrey\] learned from me that it's OK to be harsh on people because in one's harshness you can see transformation happen… ](https://sms4smile.com/quotes/suze-orman/i-think-oprah-s-winfrey-learned-from-me-that-it-s-ok-to-be-harsh-on/)

[Suze Orman](https://sms4smile.com/quotes/author/suze-orman/)

> [No well-planned retirement should be without long term care insurance. It is the very cornerstone of retirement security.](https://sms4smile.com/quotes/suze-orman/no-well-planned-retirement-should-be-without-long-term-care-insurance/)

[Suze Orman](https://sms4smile.com/quotes/author/suze-orman/)

> [The chances of a bank going out of business are extremely slim, but it's always a good idea to spread around major sums so…](https://sms4smile.com/quotes/suze-orman/the-chances-of-a-bank-going-out-of-business-are-extremely-slim-but-it/)

[Suze Orman](https://sms4smile.com/quotes/author/suze-orman/)

> [True generosity is an offering; given freely and out of pure love. No strings attached. No expectations. Time and love are the most valuable…](https://sms4smile.com/quotes/suze-orman/true-generosity-is-an-offering-given-freely-and-out-of-pure-love-no/)

[Suze Orman](https://sms4smile.com/quotes/author/suze-orman/)

> [Be as good to yourself as you are to those you love.](https://sms4smile.com/quotes/suze-orman/be-as-good-to-yourself-as-you-are-to-those-you-love/)

[Suze Orman](https://sms4smile.com/quotes/author/suze-orman/)

> [I'm a big advocate of a work-for-pay setup rather than an allowance that isn't attached to chores - it's a great way to impart…](https://sms4smile.com/quotes/suze-orman/i-m-a-big-advocate-of-a-work-for-pay-setup-rather-than-an-allowance/)

[Suze Orman](https://sms4smile.com/quotes/author/suze-orman/)

[Explore all 309 Suze Orman quotes ](https://sms4smile.com/quotes/author/suze-orman/)

## More Each month quotes

> [Your goal should be to pay off your credit card bills in full at the end of each month and set aside money toward…](https://sms4smile.com/quotes/suze-orman/your-goal-should-be-to-pay-off-your-credit-card-bills-in-full-at-the/)

[Suze Orman](https://sms4smile.com/quotes/author/suze-orman/)

> [The fact must never be forgotten that no magazine publisher in the United States could give what it is giving to the reader each…](https://sms4smile.com/quotes/edward-bok/the-fact-must-never-be-forgotten-that-no-magazine-publisher-in-the/)

[Edward Bok](https://sms4smile.com/quotes/author/edward-bok/)

> [If you make time each month to give your money some attention, you'll start the next year in fabulous financial shape.](https://sms4smile.com/quotes/suze-orman/if-you-make-time-each-month-to-give-your-money-some-attention-you-ll/)

[Suze Orman](https://sms4smile.com/quotes/author/suze-orman/)

> [On the third Friday of each month, I go to the Andy Griffith Museum. I get to meet hundreds of fans who stand in…](https://sms4smile.com/quotes/betty-lynn/on-the-third-friday-of-each-month-i-go-to-the-andy-griffith-museum-i/)

[Betty Lynn](https://sms4smile.com/quotes/author/betty-lynn/)

> [I grew up in a house full of books, and we belonged to the Country Lending Service - each month the State Library would…](https://sms4smile.com/quotes/garry-disher/i-grew-up-in-a-house-full-of-books-and-we-belonged-to-the-country/)

[Garry Disher](https://sms4smile.com/quotes/author/garry-disher/)

> [I've never sat down to quantify how many hours I actually spend on the strip. I use the deadlines to estimate my progress; each…](https://sms4smile.com/quotes/bill-watterson/i-ve-never-sat-down-to-quantify-how-many-hours-i-actually-spend-on/)

[Bill Watterson](https://sms4smile.com/quotes/author/bill-watterson/)

> [In my case, I pay a standard premium to participate in the Federal Employees' Health Benefits Plan for my wife and myself out of…](https://sms4smile.com/quotes/virgil-goode/in-my-case-i-pay-a-standard-premium-to-participate-in-the-federal/)

[Virgil Goode](https://sms4smile.com/quotes/author/virgil-goode/)

> [Why couldn't I be more like other girls my age? Take Mrs. Brown's niece. She spent every waking hour sizing up this beau or…](https://sms4smile.com/quotes/kirby-larson/why-couldn-t-i-be-more-like-other-girls-my-age-take-mrs-brown-s-niece/)

[Kirby Larson](https://sms4smile.com/quotes/author/kirby-larson/)

> [to balance my own checkbook each month, I simply record whatever is necessary in the following manner: '37 cents to cover embezzlement by somebody…](https://sms4smile.com/quotes/teresa-bloomingdale/to-balance-my-own-checkbook-each-month-i-simply-record-whatever-is/)

[Teresa Bloomingdale](https://sms4smile.com/quotes/author/teresa-bloomingdale/)

> [Each month is gay, Each season nice, When eating Chicken soup With rice](https://sms4smile.com/quotes/maurice-sendak/each-month-is-gay-each-season-nice-when-eating-chicken-soup-with-rice/)

[Maurice Sendak](https://sms4smile.com/quotes/author/maurice-sendak/)

> [We changed our rules. If a player does not have some sot of altercation on or off the court once each month, we fine…](https://sms4smile.com/quotes/gregg-popovich/we-changed-our-rules-if-a-player-does-not-have-some-sot-of/)

[Gregg Popovich](https://sms4smile.com/quotes/author/gregg-popovich/)

> [Her blog was doing well, with thousands of unique visitors each month, and she was earning good speaking fees, and she had a fellowship…](https://sms4smile.com/quotes/chimamanda-ngozi-adichie/her-blog-was-doing-well-with-thousands-of-unique-visitors-each-month/)

[Chimamanda Ngozi Adichie](https://sms4smile.com/quotes/author/chimamanda-ngozi-adichie/)

> [Under the Enrichment Laws, consumers have to spend a fixed quota of dollars each month, depending on their strata. Hoarding is an anti-corpocratic crime.](https://sms4smile.com/quotes/david-mitchell/under-the-enrichment-laws-consumers-have-to-spend-a-fixed-quota-of/)

[David Mitchell](https://sms4smile.com/quotes/author/david-mitchell/)

> [My father thought that if I was to go into the army, at the least I would have a reliable paycheck at the end…](https://sms4smile.com/quotes/vieux-farka-toure/my-father-thought-that-if-i-was-to-go-into-the-army-at-the-least-i/)

Vieux Farka Toure

> [Indeed the river is a perpetual gala, and boasts each month a new ornament.](https://sms4smile.com/quotes/ralph-waldo-emerson/indeed-the-river-is-a-perpetual-gala-and-boasts-each-month-a-new/)

[Ralph Waldo Emerson](https://sms4smile.com/quotes/author/ralph-waldo-emerson/)

[Browse all 35 Each month quotes ](https://sms4smile.com/quotes/about/each-month/)

```json
{
    "@context": "https://schema.org",
    "@graph": [
        {
            "@type": "Quotation",
            "text": "The way to build your savings is by spending less each month.",
            "creator": {
                "@type": "Person",
                "name": "Suze Orman"
            },
            "isPartOf": {
                "@id": "https://sms4smile.com/quotes/#website"
            },
            "url": "https://sms4smile.com/quotes/suze-orman/the-way-to-build-your-savings-is-by-spending-less-each-month/",
            "about": {
                "@type": "Thing",
                "name": "Each month"
            },
            "@id": "https://sms4smile.com/quotes/suze-orman/the-way-to-build-your-savings-is-by-spending-less-each-month/#quotation",
            "image": {
                "@type": "ImageObject",
                "@id": "https://sms4smile.com/quotes/i/e75/suze-orman-1007_each-month_the-way-to-build-your-savings-is-by-spen_923016.png",
                "contentUrl": "https://sms4smile.com/quotes/i/e75/suze-orman-1007_each-month_the-way-to-build-your-savings-is-by-spen_923016.png",
                "url": "https://sms4smile.com/quotes/i/e75/suze-orman-1007_each-month_the-way-to-build-your-savings-is-by-spen_923016.png",
                "width": 1080,
                "height": 1080,
                "caption": "“The way to build your savings is by spending less each month.” — Suze Orman",
                "creditText": "SMS4Smile Quotes",
                "creator": {
                    "@id": "https://sms4smile.com/quotes/#organization"
                }
            }
        },
        {
            "@type": "BreadcrumbList",
            "itemListElement": [
                {
                    "@type": "ListItem",
                    "position": 1,
                    "name": "Home",
                    "item": "https://sms4smile.com/"
                },
                {
                    "@type": "ListItem",
                    "position": 2,
                    "name": "Quotes",
                    "item": "https://sms4smile.com/quotes/"
                },
                {
                    "@type": "ListItem",
                    "position": 3,
                    "name": "Suze Orman",
                    "item": "https://sms4smile.com/quotes/author/suze-orman/"
                },
                {
                    "@type": "ListItem",
                    "position": 4,
                    "name": "The way to build your savings...",
                    "item": "https://sms4smile.com/quotes/suze-orman/the-way-to-build-your-savings-is-by-spending-less-each-month/"
                }
            ],
            "@id": "https://sms4smile.com/quotes/suze-orman/the-way-to-build-your-savings-is-by-spending-less-each-month/#breadcrumb"
        },
        {
            "@type": "WebSite",
            "@id": "https://sms4smile.com/quotes/#website",
            "name": "SMS4Smile Quotes",
            "url": "https://sms4smile.com/quotes/",
            "publisher": {
                "@id": "https://sms4smile.com/quotes/#organization"
            }
        },
        {
            "@type": "Organization",
            "@id": "https://sms4smile.com/quotes/#organization",
            "name": "SMS4Smile Quotes",
            "url": "https://sms4smile.com/quotes/",
            "logo": {
                "@type": "ImageObject",
                "url": "https://sms4smile.com/quotes/wp-content/themes/sq/assets/icons/icon-512.png",
                "width": 512,
                "height": 512
            }
        }
    ]
}
```