Motivational Quotes for Living a Debt-Free Life

It is safe to say that the vast majority of us hope to attain a debt-free life. For many, debt is a necessary part of life, from owning a home to owning cars or having credit cards. But it doesn’t have to be that way—not if you work at it.

Sometimes all it takes to get started is having the right inspiration. With inspirational debt quotes, you can find the inspiration that you need to live debt-free. Here are some of the most relevant quotes and how they can help you.

Positive Debt Quotes That Can Help You Live Debt-Free

“Pray as though everything depended on God. Work as though everything depended on you.” – Saint Augustine

“Out of debt, out of danger.” – Jerry Voorhis

“Don’t be pushed around by the fears in your mind. Be led by the dreams in your heart.” – Roy T. Bennett

“A healthy and debt-free living person is the richest and the happiest.” – Sushmitha Maddula

“His brow is wet with honest sweat; he earns whate’er he can, And looks the whole world in the face, For he owes not any man.”  – Henry Wadsworth Longfellow

“Pay off your debt first. Freedom from debt is worth more than any amount you can earn.” – Mark Cuban

“A Debt problem is, at its core, a budgeting problem.” — Natalie Pace

“What can be added to the happiness of a man who is in health, out of debt, and has a clear conscience?” – Adam Smith

“Perseverance is the hard work you do after you get tired of doing the hard work you already did.” – Newt Gingrich

“Learning is never done without errors and defeat.” – Vladimir Lenin

“Annual income, twenty pounds; annual expenditure, nineteen pounds; result, happiness. Annual income, twenty pounds; annual expenditure, twenty-one pounds; result, misery.” — Charles Dickens

“Interest works night and day; in fair weather and in foul. It gnaws at a man’s substance with invisible teeth.” — Henry Ward Beecher

“You must gain control over your money or the lack of it will forever control you.” – Dave Ramsey

“Debt is like any other trap, easy enough to get into, but hard enough to get out of.” — Henry Wheeler Shaw

“A mortgage casts a shadow on the sunniest field.” — Robert Green Ingersoll

“If you have debt, I’m willing to bet that general clutter is a problem for you too.” — Suze Orman

“Blessed are the young, for they shall inherit the national debt.” — Herbert Hoover

“Home life ceases to be free and beautiful as soon as it is founded on borrowing and debt.” – Henrik Ibsen

“Perseverance is not a long race; it is many short races one after the other.” – Walter Elliot

“Credit buying is much like being drunk. The buzz happens immediately and gives you a lift… The hangover comes the day after.” – Joyce Brothers 

“Borrower is slave to the lender.” – Proverbs 22:7

“A creditor is worse than a slave-owner; for the master owns only your person, but a creditor owns your dignity and can command it.” – Victor Hugo

“You can’t go back and change the beginning, but you can start where you are and change the ending.” –C.S. Lewis

“The decision to go into debt alters the course condition of your life. You no longer own it. You are owned.” – Dave Ramsey

“One of the greatest disservices you can do a man is to lend him money that he can’t pay back.” – Jesse H. Jones

“Rich people believe ‘I create my life.’ Poor people believe ‘Life happens to me.’” – T. Harv Eker

“Our greatest weakness lies in giving up. The most certain way to succeed is always to try just one more time.” – Thomas Edison

“It’s always too early to quit.” –Norman Vincent Peale

“Debt is like any other trap: easy enough to get into, but hard enough to get out of.” – Josh Billings

“You never fail until you stop trying.” –Albert Einstein

“Owning your story is the bravest thing you’ll ever do.” –Brené Brown

“It’s good to have money and the things that money can buy, but it’s good, too, to check up once in a while and make sure that you haven’t lost the things that money can’t buy.” – George Lorimer

“Failure will never overtake me if my determination to succeed is strong enough.” – Og Mandino

“I make myself rich by making my wants few.” – Henry Davis Thoreau

“Ten million dollars after I’d become a star, I was deeply in debt.” – Sammy Davis Jr.

“All you can change is yourself, but sometimes that changes everything.” –Gary W. Goldstein

“There are far, far better things ahead than any we leave behind.” C.S. Lewis

“Do not accustom yourself to consider debt only as an inconvenience; you will find it a calamity.” – Samuel Johnson

“Where debt is dumb, cash is king, and the paid-off home mortgage has taken the place of the BMW as the status symbol of choice.” — Dave Ramsey

“Success doesn’t come from what you do occasionally. It comes from what you do consistently.” –Marie Forleo

“Some people use one half their ingenuity to get into debt, and the other half to avoid paying it.” – George D. Prentice

“Debt on anything that depreciates is disastrous.” – Orrin Woodward

“The man who never has money enough to pay his debts has too much of something else.” – James Lendall Basford

“The stronger the why, the easier the how becomes.” –Jim Rohn

“Nowadays people can be divided into three classes – the haves, the have-nots, and the have-not-paid-for-what-they-haves.” — Earl Wilson

“Debt is one person’s liability, but another person’s asset.” – Paul Krugman

“Debt can turn a free, happy person into a bitter human being.” – Michael Mihalik

“If you live like no one else, later you can live and give like no one else.” – Dave Ramsey

“The way to get started is to quit talking and begin doing.” – Walt Disney

“The second vice is lying. The first is running in debt.” — Benjamin Franklin

“If you think nobody cares if you’re alive, try missing a couple of car payments.” — Earl Wilson

“Doubting yourself is normal. Letting it stop you is a choice.” –Mel Robbins

“It’s not whether you get knocked down, it’s whether you get up.” – Vince Lombardi

“Never spend your money before you have it.” – Thomas Jefferson

“Nothing happens without focus. Don’t try to do everything at once. Take it one step at a time.” –Dave Ramsey

“When something is important enough, you do it even if the odds are not in your favor.” – Elon Musk

“Never give up on a dream just because of the time it will take to accomplish it. The time will pass anyway.” –​Earl Nightingale

“If you are working on something that you really care about, you don’t have to be pushed. The vision pulls you.” – Steve Jobs

“Wherever you are, be all there.” –Jim Elliot

“At the end of the day, we can endure much more than we think we can.” –Frida Kahlo

“We cannot become what we want by remaining what we are.” –Max Depree

“The only disability in life is a bad attitude.” – Scott Hamilton

“Just keep swimming. Just keep swimming.” – Dory (from Finding Nemo)

“Practice doesn’t make perfect; practice makes permanent. And permanent, positive change is what we’re after.” – Rachel Cruze

“We may encounter many defeats but we must not be defeated.” – Maya Angelou

“It always seems impossible until it’s done.” -Nelson Mandela

“Every dollar you spend is a reflection of your values.” – Rachel Cruze

“Beware of little expenses; a small leak will sink a great ship.” – Benjamin Franklin

“I have not failed. I’ve just found 10,000 ways that won’t work.” – Thomas Edison

“Your children are watching you, and they’ll learn how to handle money like you do. More is caught than taught.” – Dave Ramsey

“It’s not your salary that makes you rich, it’s your spending habits.” – Charles A. Jaffe

“There are but two ways of paying debt: increase of industry in raising income, increase of thrift in laying out.” — Thomas Carlyle

“There are no shortcuts when it comes to getting out of debt.” – Dave Ramsey

“Don’t let your mouth write a check that your ass can’t cash, son.” – Charles Portis

“Wars in old times were made to get slaves. The modern implement of imposing slavery is debt.” – Ezra Pound

“Words pay no debts.” – William Shakespeare

“Debt basically enables people to live a lie.” – Rachel Cruze

“Debt is a prolific mother of folly and of crime.” – Benjamin Disraeli

Change Your Life With the Power of Positivity

Those living with overwhelming debt can easily feel like there is no way out. The good news is that, with the right quotes about being debt-free, you can find the motivation that you need to find your way out.

It isn’t some magical formula and it doesn’t take a degree to get debt-free. All you need is a little bit of help and a boost of motivation to begin. Get started on your path to living without debt and see the difference it can make in your life.