A penny spar'd is twice got.
Senti iliyookolewa hupatikana mara mbili.
- Outlandish Proverbs by George Herbert (1640)  

Vidokezo kwa Wale Wanaotaka kuwa Matajiri

Matumizi ya pesa ndiyo faida zote zinayopatikana ukiwa na pesa.
Kwa pound [£] sita kwa mwaka [yaani riba] unaweza kutumia  £ mia [yaani kupitia mkopo], kama unajulikana kama mwaminifu na mwenye busara.
Anayetumia groat [senti 4] kwa siku bure, hutumia pound £ zaidi ya sita kwa mwaka, ambazo ni bei ya kujipatia matumizi ya pound £ mia moja.
[Kwa hivyo] Anayepoteza muda wake wa thamani ya groat [senti 4] kwa siku, siku moja na nyingine, anapoteza fursa ya kutumia pound mia moja kila siku.
Anayepoteza muda wa shilingi tano kwa uvivu hupoteza shilingi tano, ni kama amezitupa tu baharini.
Anayepoteza shilingi tano sio tu kwamba anapoteza kiasi hicho, bali anapoteza pia faida yote ambayo ingeweza kupatikana kwa kuzitumia katika shughuli zake, ambayo, akiwa kijana, wakati wa uzee ingefikia kiasi kikubwa cha fedha.
Tena: anayeuza kwa mkopo huongeza bei ya kile anachokiuza kwa kiasi sawa riba angaliingiza na pesa hizo kwa kipindi ambacho atazikosa. Kwa hivyo, anayenunua kwa mkopo hulipa riba kwa kile anachonunua, na anayelipa pesa mara moja kwa kila anachonunua hukoa fursa ya kuzikopesha kwa wengine, kwa hivyo aliye na kitu alichonunua ameshalipa riba kwa matumizi yake.
Hata hivyo nasema kulipa mara moja unaponunua ni bora, kwa sababu anayeuza kwa mkopo anatarajia kupoteza asilimia tano ya mikopo; kwa hivyo anaongeza bei ya kile anachokiuza kwa asilimia ileile ili kuzuia hasara. Wanaolipa kwa mikopo hulipa kodi mara moja. Anayelipa kwa pesa mara moja anaweza kuzuia kodi hii
"Senti iliyohifadhiwa ni senti mbili hakika;
[haba] kwa siku ni [nne] kwa mwaka."

A penny spar'd is twice got.
- Outlandish Proverbs by George Herbert (1640) 

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."

Bado tunayo hukumu hapa (duniani);
Tunafundisha tu umwagaji damu, ambayo, ukifundishwa, hurudi
ili lipiza kisasi na kumtesa mvumbuzi: mkono wa haki
huweka viungo vya kikombe chetu cha sumu
Kwa midomo yetu wenyewe.  ( Makbeth Act I, Scene 7 )

Chochote apandacho mtu, ndicho atakachovuna ( Wagalatia 6:7 )

善有善報，惡有惡報
Wema hulipwa kwa wema, na ubaya kwa ubaya. 

Wie man in den Wald hineinruft, so schallt es heraus
Unacholia msituni, kitasikika tena

Majambo ya binadamu yana kujaa na kupwa, Yakidakwa yamejaa huongoza ushindini; yakipuuzwa, safari yote ya maisha yao haiachi maji mafu, na hujaa madhilifu.
- BURUTO katika Juliasi Kaizari, na William Shakespeare (ilitafsiriwa na Mwalimu Nyerere)

KiChina: 趁熱打鐵
KiThai: ตีเหล็กเมื่อแดง
KiHindi: लोहा गरम हैं. मार दो हथौड़ा.
KiGaelic (Ireland): buail an t-iarann te
Kiingereza: Strike while the iron is hot.