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A penny saved is a penny earned

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Updated 4mo ago
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View this proverb in Swahili
Kuokoa mia ni kuingiza mia
A penny that stays in your pocket can be used for another purpose. It could be used to buy something else, or you could lend or invest it to yield more money in the future. In economics, this principle is called "opportunity cost". When we spend money or time on one thing, we also lose the opportunity to use it for something else.

This proverb is usually attributed to Benjamin Franklin, but he did not originate it, nor did he use the exact phrase. Similar versions of the proverb appear in earlier sources. For example:
A penny spar'd is twice got.
- Outlandish Proverbs by George Herbert (1640) 

In Poor Richard's Almanac (1736), Benjamin Franklin quotes the proverb and explains it well:
Necessary Hints to Those That Would Be Rich
The use of money is all the advantage there is in having money. For six pounds a year [interest] you may have the use of one hundred pounds [a loan], provided you are a man of known prudence and honesty.
He that spends a groat [4 pence] a day idly spends idly above six pounds a year, which is the price for the use of one hundred pounds.
He that wastes idly a groat's [4  pence] worth of his time per day, one day with another, wastes the privilege of using one hundred pounds each day.
He that idly loses five shillings' worth of time loses five shillings, and might as prudently throw five shillings into the sea.
He that loses five shillings not only loses that sum, but all the advantage that might be made by turning it in dealing, which by the time that a young man becomes old will amount to a considerable sum of money.
Again, he that sells upon credit asks a price for what he sells equivalent to the principal and interest of his money for the time he is to be kept out of it, therefore, he that buys upon credit pays interest for what he buys, and he that pays ready money might let that money out to use, so that he that possesses anything he has bought pays interest for the use of it.
Yet in buying goods it is best to pay ready money, because he that sells upon credit expects to lose five per cent by bad debts; therefore he charges on all he sells upon credit an advance that shall make up that deficiency. Those who pay for what they buy upon credit pay their share of this advance. He that pays ready money escapes, or may escape, that charge.
"A penny saved is twopence clear;
A pin a day's a groat a year."

So, next time you think about spending money or time on something, ask yourself what the opportunity cost might be. If you didn't spend it, could you lend it to someone else? Could you pay off your existing debts? Could you invest in something that might bring a larger profit in the future?

Sources
Outlandish Proverbs by George Herbert (Explained and Translated to modern English)
Origin and meaning of the proverb (Snopes) (Grammarist) (Forbes) (Wiktionary)

You might enjoy Mark Twain's satirical criticism of Franklin:
[Benjamin Franklin]'s maxims were full of animosity toward boys [whose fathers had read Franklin’s pernicious autobiography]. Nowadays a boy cannot follow out a single natural instinct without tumbling over some of those everlasting aphorisms and hearing from Franklin, on the spot. If he buys two cents’ worth of peanuts, his father says, “Remember what Franklin has said, my son—‘A groat a day’s a penny a year,’” and the comfort is all gone out of those peanuts. If he wants to spin his top when he has done work, his father quotes, “Procrastination is the thief of time.” If he does a virtuous action, he never gets anything for it, because “Virtue is its own reward.” And that boy is hounded to death and robbed of his natural rest, because Franklin said once, in one of his inspired flights of malignity:
Early to bed and early to rise
Makes a man healthy and wealthy and wise.

As if it were any object to a boy to be healthy and wealthy and wise on such terms.

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by Magreth Lazaro Mafie 🇹🇿
🏆 Proverb Essay Contest 
🥉 Third Place Winner
(English translation from Kiswahili)
How many times have you heard “Mchumia juani hulia kivulini” (One who works in the sun, eats in the shade). This is a Swahili (Bantu) proverb meant to encourage people in their everyday activities, to have faith that there will be a day when they will enjoy the fruits of their work.

This proverb gives people strength, diligence, heart, courage, hope and skill in working. The worker believes that hard work brings a good harvest that will allow him to relax in the shade as he eats the fruits of his labor. 

The following poem shows “One who works in the sun” in their daily responsibilities.
I fear neither sun nor rain, making my tomorrow
I fear neither injuries nor pain, because all are temporary
Scorching sun and work are my custom, so that happiness comes in life
The street vendor, the farmer, the [port boys] and their fisherman and the sun, in search of tomorrow
One who works in the sun, eats in the shade, I am still searching for shade.

It's noon, the sun overhead, in my head I have the harvest, sweat is dripping,
The sun has set now, the oar on the beach, exhausted in bed, nets in the sea,
At home on fourth street, captain of the family, may I pull happiness from hard labor
Now the sun is rising, walking the path to look for a bite,
One who works in the sun, eats in the shade, I am still searching for shade.

Once there was a farmer. He spent his whole life in agriculture. Thus his times for pleasure were few. People in his village called him a skilled farmer. He built a house by selling part of his crops, he educated his children through farming.

This farmer was a diligent man, he always learned the principles of being a good farmer, so as time went by, he harvested many crops from his fields. Many people were really amazed to see the big changes in his family. He made many investments in his village, the farms, houses, and shops, and many livestock came from his farm.

Many people came to take wisdom from the skilled farmer. He always told them "One who works in the sun, eats in the shade. The hoe has given me respect in the village, me and my family. My life now is going on a path of certainty, I am in the shade, enjoying the fruits of my labor in the sun. I, the son of that skilled farmer, am proud of my upbringing, and his responsibility, because work in the sun today has made us rest and eat in the shade. The true meaning of “he who works in the sun” can be seen in actions. Your diligence is your sun and the shade is the fruit of your diligence.

This story is complemented by the story of "Mabala the Farmer" by Richard S. Mabala (1989). Mabala was a port worker then he was demoted, so he chose to return to the village of Morogoro. Mabala was careless, drunk and obstinate. Mabala went to the farm with a gallon of booze, he drank it and went to sleep, when he woke up, he called out to his wife but there was no answer except the sound of the hoe tik-tok, tik-tok.

Mabala was obstinate, he watered the fields with sugar, thinking it was fertilizer, but in the end he changed to become a skilled farmer, becoming “one who works” in the sun so that his family could eat in the shade. Do you feel that Mabala is “one who works in the sun”? In the family or in the community, what’s your image of a skilled farmer?

In conclusion, this story on the proverb "Work in the sun, eat in the shade" shows us a good vision in everything we do in our daily lives. Also proverbs like "Subira yavuta kheri” (Patience brings blessings), "Mgaa na Upwa hali wali mkavu” (He who combs the beach at low tide doesn’t eat dry rice) all have similar themes; they exist to give the community strength and hope each task undertaken to pursue their goals.

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Updated 4mo ago
by
by Rose Mwanri 🇹🇿 
🏆 Proverb Essay Contest 
🥈 Second Place Winner
A proverb is a metaphorical expression used in a community. Words in proverbs have additional meanings and proverbs have two sides. The first side gives an idea and the second side completes the idea. Akiba haiozi (Savings do not decay) is one of the Swahili proverbs that is widely used in African communities and by Kiswahili speakers globally, with the aim of reminding people about the importance of saving.

The purpose of this proverb is to encourage us as members of the community to prepare well for today's life as well as tomorrow so we are ready to face the various challenges of life.

This proverb shows us that it is normal for a human being to experience various emergencies in everyday life. For example, an illness, accident, or even death. When you have the savings that you have set aside, it will help you when you are faced with a sudden challenge that you did not expect.

Another benefit of saving is improving life. First of all, I advise we all have a regular savings plan to be able to improve our lives in general. The more we save, the more that savings can help us improve our housing and infrastructure within our communities. A good example is parents whose savings enable them to pay for school fees, supplies and even other expenses that may arise at the same time.

This proverb also reminds us that the more we save, the more we grow our treasury. As with the proverb that says "Haba and haba hujaza kibaba" (little by little fills up the measure). If you analyze these proverbs, they have the same meaning, and you will find that it is a great reminder about building a good fate for our community, now and later. [These proverbs] encourage us to invest every penny we get. We grow our treasury, because what we save is there for us.

Take the opportunity to ask yourself, how many times have you faced challenges and your savings kept the ship afloat? How many issues have arisen without notice that you used your savings to put things right? I believe we should all save regardless of whether our income is big or small. For example, you can start saving little by little from what you earn and in time your savings will add up to be big.

Also, this proverb helps to develop knowledge for individuals and communities, especially where there has been a difference in savings from one generation to another. In the past we are told that people used to store their savings by digging underground, putting under the bed or even other places that they believed were safe. Today, people do not use traditional methods to save their savings. When it comes to money, there are banks with stable and safe systems for storing money. In terms of crop saving, there are also safe ways to store crops, even for a long time, without spoiling. In fact, savings do not decay.

In Swahili, we say “Akiba haizoi” ("Savings don't rot"), “Haba na haba hujaza kibaba” (“Little by little fills up the measure") meaning that the savings may seem small but the more they increase, the bigger they become. On the contrary, we are told “Chovya chovya humaliza buyu la asali” (“Dip [by] dip finishes the jar of honey”), “Bandu bandu humaliza gogo” (“Chop [by] chop finishes the log.”) If we take from our savings little by little without a good reason, the day will come when we’re infuriated to see all the savings are gone without anything meaningful getting done. Let's remember “mali bila daftari huisha bila habari” ("Wealth without a notebook disappears without notice"). Let's look at an example of this poem that stresses us about saving.

  Savings are truly a treasure, they never betray,
  For us it’s very important, they carries us through times
  When we really have nothing, they stand sincerely,
  Let's all save, savings is a savior.

Truly, it’s clear that we should take care of the good things and the resources we have by saving, so that we can save ourselves when we are faced with surprising challenges in our present and future lives.
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Updated 4mo ago
by
Kuna vitu ambavyo huwezi kufanya peke yako. Tango ni mchezo (densi) ya watu wawili, kwa hivyo huwezi kucheza tango peke yako.

Methali hii inatoka wimbo ulioimbwa 1952, It Takes Two to Tango:
Unaweza kusafiri kwa meli peke yako,
kulala au kupumzika peke yako.
Unaweza kuingia kwenye deni peke yako.
Kuna mambo mengi ambayo unaweza kufanya peke yako.
Lakini ni lazima muwe wawili ili kucheza tango, muwe wawili ili kucheza tango...
- It Takes Two to Tango (1952, Al Hoffman, Dick Manning na Pearl Bailey) Ona vyanzo/sources ili kusikiliza wimbo huu!

Methali hii ina maana nyingi tofauti ambazo unaweza kutekeleza katika mahusiano na maisha yako ya kila siku. Mambo mengi huhitaji watu zaidi ya mmoja: Wawili wanatakiwa ili kushirikiana, kufanya biashara ama kupigana. Ukitaka kucheza na mtu ambaye hataki kucheza na wewe, bora kumtafuta mchezaji mwengine.. Vivyo hivyo, ukiwa kwenye mgogoro au magomvi, itabidi ufikirie jinsi tabia yako inavyoweza kuchangia katika kuendeleza shida. katika dance, lengo si kuwa mkamilifu, bali ni kuendana na mwenzako na kufurahia pamoja.
Methali zinazofanana kutoka Afrika: 
Kimisri (Kiarabu): 
ايد لوحدها ماتسقفش‎
Mkono mmoja hauwezi kupiga makofi
Kiswahili:
Bila mtu wa pili ugomvi hauanzi
Kidole kimoja hakiuwi chawa
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Updated 4mo ago
by
Many people are afraid to ask questions because they don't want to be seen as stupid. But asking questions is the best way to learn from others.

Asking questions also helps others around you. Have you ever hesitated to ask a question because you thought others already understood... but later you realized they didn't either? 

This proverb is similar to the English saying, “There's no such thing as a stupid question.”
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Updated 4mo ago
by