“… a penny saved is better than a penny earned.”
The Duty of a Husband and Wife (17 March 1539), No. 4408. LW 54:337 http://books.google.com/books?id=zsbXAAAAMAAJ&q=%22penny+saved+is+better+than+a+penny+earned%22&dq=%22penny+saved+is+better+than+a+penny+earned%22&lr=
Table Talk (1569)
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Martin Luther 214
seminal figure in Protestant Reformation 1483–1546Related quotes

What Luther Says, Section on “Life, Human,” No. 2438. Rules for a Thrifty Life. 2, p. 784 http://books.google.com/books?lr=&id=NQA5AAAAIAAJ&dq=luther+%22penny+saved+is+better+than+a+penny+earned%22&q=+%22penny+%22#search_anchorvol|.

The History of the Worthies of England (1662) ; Worthies of Huntingtonshire – John Yong.

“A penny saved is two pence clear.”
"Hints For Those That Would Be Rich", Poor Richard's Almanack (1737)
Poor Richard's Almanack

“4369. That penny's well spent, that saves a Groat.”
Introductio ad prudentiam: Part II (1727), Gnomologia (1732)

“Pennies don't fall from heaven, they have to be earned here on earth.”
Speech at Lord Mayor's Banquet (12 November 1979) http://www.margaretthatcher.org/speeches/displaydocument.asp?docid=104167
First term as Prime Minister
“This I did to prevent expences, for … a penny sav'd, is a penny got.”
The Canterbury Guests: or, a bargain broken (1695), Act II, scene iv.

Source: (1776), Book V, Chapter II, Part II, Article IV, p. 951.