a fool may earn money, but it takes a wise man to keep it
/ɐ fˈuːl mˈeɪ ˈɜːn mˈʌni bˌʌt ɪt tˈeɪks ɐ wˈaɪz mˈæn tə kˈiːp ɪt/
used to suggest that it is not enough to simply earn money, but it is important to have the knowledge and skill to manage, preserve, and increase one's wealth over time
a penny saved is a penny earned
/ɐ pˈɛni sˈeɪvd ɪz ɐ pˈɛni ˈɜːnd/
used to imply that saving money is just as valuable as earning money, as both contribute to increasing one's overall wealth
better go to bed supperless than (to) rise in debt
/bˈɛɾɚ ɡˌoʊ tə bˈɛd sˈʌpɚləs ðɐn tʊ ɹˈaɪz ɪn dˈɛt/
used to imply that it is preferable to avoid debt by living within one's means, even if it means going without a meal
better give a shilling than lend a half-crown
/bˈɛɾɚ ɡˈɪv ɐ ʃˈɪlɪŋ ðɐn lˈɛnd ɐ hˈæfkɹˈaʊn/
used to suggest that it is better to give a small sum of money as a gift than to lend a larger sum that may create financial strain and harm the relationship
be just before you are generous
/biː dʒˈʌst bɪfˌoːɹ juː ɑːɹ dʒˈɛnɚɹəs/
used to imply that one should prioritize fulfilling their obligations and acting with fairness and integrity before offering help to others
short reckonings make long friends
/ʃˈɔːɹt ɹˈɛkənɪŋz mˌeɪk lˈɑːŋ fɹˈɛndz/
used to imply that it is important to keep track of debts and pay them back promptly, in order to maintain positive and long-lasting relationships
neither a borrower nor a lender be
/nˈiːðɚɹ ɐ bˈɔːɹoʊɚ nˈɔːɹ ɐ lˈɛndɚ bˈiː/
used to advise against borrowing or lending money, as it can lead to financial and interpersonal difficulties
not spend it all in one place
/nˌɑːt spˈɛnd ɪt ˈɔːl ɪn wˈʌn plˈeɪs/
used to suggest that one should be cautious with their spending, and not waste all their money in one location or on one thing
a beggar's purse is bottomless
/ɐ bˈɛɡɚz pˈɜːs ɪz bˈɑːɾəmləs/
used to imply that even though someone may have very little money, they can still find ways to make ends meet and survive
a full cup needs a steady hand
/ɐ fˈʊl kˈʌp nˈiːdz ɐ stˈɛdi hˈænd/
used to suggest that anything valuable, such as a position of power or material wealth, should be handled with care and responsibility, as even a small mistake can have significant consequences
better to drink the milk than to eat the cow
/bˈɛɾɚ tə dɹˈɪŋk ðə mˈɪlk ðɐn tʊ ˈiːt ðə kˈaʊ/
used to advise that it is more beneficial to take a smaller but sustainable benefit from a resource or opportunity, rather than trying to consume or exhaust it completely for short-term gain
better a steady dime than a rare dollar
/bˈɛɾɚɹ ɐ stˈɛdi dˈaɪm ðˌænɚ ɹˈɛɹ dˈɑːlɚ/
used to suggest that it is preferable to have a steady and dependable source of income or wealth, even if it is modest, rather than relying on occasional large sums that may not be sustainable or reliable
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