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Sure, the math isn't quite there, but that was the idea.

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A couple of decades later, in , a scholar by the name of Thomas Fuller published the following line in The Histories of the Worthies of England :. By the same proportion that a penny saved is a penny gained, the preserver of books is a Mate for the Compiler of them.

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Still predating Franklin, this time in , we find another potential source for this phrase. Writer Edward Ravenscroft is noted for a similar line in his work, Canterbury Guests :. For every penny we save, the stack becomes larger. Perhaps Herbert took things a little further by saying every penny saved is doubled. As for Fuller and Ravenscroft, they weren't too far off the mark. Benjamin Franklin's line from Poor Richard's Almanack also rings true of this expression.

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Franklin took on more of Herbert's approach by saying, " A penny saved is two pence clear. Rather, he was a master at keeping balanced books and understood that the man who saved his penny today would have an added one tomorrow. Meanwhile, the man who spent his penny today would have one fewer tomorrow.

A Penny Saved is Two Pennies Earned

This topic was certainly Franklin's forte. In , he wrote "Way to Wealth," in the almanac with various maxims meant to help people live frugal lives.

A Penny Saved

He is also remembered for saying:. Wise men talk because they have something to say; fools talk because they have to say something.

So, who do you think should be attributed to this expression? Was it the earliest recording from Herbert? Or was it Franklin himself? The line may have become associated with Franklin when it appeared on the reverse of a Civil War token, with Franklin's head on the front.

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It's not known who came up with the phrase on the coin. So whether Franklin really said the exact words or a similar phrase may never be clear. Are you ready for more wise sayings that have been passed down through the ages? To measure your progress you can use the Rule of Divide 72 by the rate you are earning on your money to determine how long it takes your money to double.

'A Penny Saved is a Penny Earned' | Definition, Origin, & Examples

Use the Rule of to measure how long your money will take to triple. And your money keeps doubling. Money left to grow over years and years can be your ticket to a lifetime of financial security.

Boston focused on the long-term return on the money, and invested the bulk of the money in a trust fund, compounding the earnings.