Better than never is late
“Bora kuliko kamwe ni kuchelewa
-The Canterbury Tales, The Canon's Yeoman's Tale

Lilatini: potiusque sero quam numquam
Bora kuchelewa kuliko kukosa kabisa
- History of Rome, Book 4

It's never too late
Hakuna kuchelewa

Don't close the gate after the horse has bolted.
Usifunge mlango baada ya farasi kukimbia

जब जाति तब सवेरे
Wakati wowote unapoamka, ndo asubuhi yako

Haba na haba hujaza kibaba
Little by little fills up the jar

Little drops of water,
Little grains of sand,
Make the mighty ocean
And the pleasant land.
     
Thus the little minutes,
Humble though they be,
Make the mighty ages
Of eternity. 

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."

Ukitaka uvunguni sharti uiname
If you want something underneath [the bed] you must bend down

Mulla [Nasreddin] had lost his ring in the living room. He searched for it for a while, but since he could not find it, he went out into the yard and began to look there. His wife, who saw what he was doing, asked: “Mulla, you lost your ring in the room, why are you looking for it in the yard?” Mulla stroked his beard and said: “The room is too dark and I can’t see very well. I came out to the courtyard to look for my ring because there is much more light out here.”
-  Retold by Houman Farzad, Translated from Persian by Diane L. Wilcox (1989)

[A police officer encountered a man groping about on his hands and knees]
“I lost a $2 bill down on Atlantic avenue,” said the man. “What’s that?” asked the puzzled officer. “You lost a $2 bill on Atlantic avenue? Then why are you hunting around here in Copley square?” “Because,” said the man as he turned away and continued his hunt on his hands and knees, “the light’s better up here.”