It means that borrowing money or resources often leads to trouble, stress, or unhappiness. It serves as a warning against taking on debt because it can bring about financial burdens and worries.
The proverb dates back to at least the 16th century and is attributed to Thomas Tusser in his work "Five Hundred Points of Good Husbandry" (1573). It was later popularized by Benjamin Franklin in his "Poor Richard's Almanack" in the 18th century.
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