Origin
The original form of this proverb used to be ‘got’ or ‘gained’ instead of ‘earned’. That is recorded as early as the 17th-century, in George Herbert’s Outlandish Proverbs, circa 1633.
Explanation
If someone tells you that a penny saved is a penny earned, then you’re being encouraged to become thrifty and to watch your budget. In other words, saving a penny is as good as earning a penny or the dollar you didn’t spend, is the dollar you still have. Money that you save is more valuable than money that you spend right away. It is good to save money. It is something you say that means it is wise to save money.Money not spent is money that is in one’s pocket. It means that it is as useful to save money that you already have as it is to earn more.
Examples
Now that you have your first job, you ought to open a savings account. A penny saved is a penny earned.
Mary worked hard to save money; she knew that a penny saved is a penny earned.
You shouldn’t spend so much money on beer and partying; instead, you should save up to take vacation. After all, a penny saved is a penny earned.
I’m going to give you $20, but I want you to put it in the bank; a penny saved is a penny earned!
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