The habit of saving is itself ...

The habit of saving is itself an education; it fosters every virtue, teaches self-denial, cultivates the sense of order, trains to forethought, and so broadens the mind.
 Thornton T. Munger

Quotes from the same author

All truth is an achievement. If you would have truth at its value, go with it.
 Thornton T. Munger
Saving habits - in itself an education is now. It reinforces your strengths, teaching you how to refuse, orderly thinking, think before you act and thus expand your mind
 Thornton T. Munger