--- title: "Meaning & Key Takeaway of: People willy-nilly borrow for…" description: "\"People willy-nilly borrow for consumption. Civil servants willy-nilly borrow for consumption and then wonder why they don't have enough money at the en..." image: "https://sms4smile.com/quotes/i/9c2/najib-razak-12066_borrow_people-willy-nilly-borrow-for-consumptio_1712379.jpg" --- # People willy-nilly borrow for consumption. Civil servants… ![“People willy-nilly borrow for consumption. Civil servants willy-nilly borrow for consumption and then wonder why they don't have enough money at the end of the month.” quote by Najib Razak](https://sms4smile.com/quotes/i/9c2/najib-razak-12066_borrow_people-willy-nilly-borrow-for-consumptio_1712379.jpg) [Download](https://sms4smile.com/quotes/i/9c2/najib-razak-12066_borrow_people-willy-nilly-borrow-for-consumptio_1712379.jpg) [Open image](https://sms4smile.com/quotes/i/9c2/najib-razak-12066_borrow_people-willy-nilly-borrow-for-consumptio_1712379.jpg) > “People willy-nilly borrow for consumption. Civil servants willy-nilly borrow for consumption and then wonder why they don't have enough money at the end of the month.” [Najib Razak](https://sms4smile.com/quotes/author/najib-razak/) ## About This Quote This interpretation was drafted with AI assistance. It is one reading of the quote, not the author's own explanation. Critiques habitual borrowing for consumption leading to financial shortfalls, highlighting lack of fiscal discipline. **In simple terms:** Borrowing without planning causes money problems. Key Takeaway Practice disciplined spending. Themes economics personal finance policy Mood cautionary reflective Type economic policy When to use this quote - government budgeting - household budgeting - loan management Key Concepts fiscal responsibility consumption habits Questions to Reflect On - How can societies reduce unnecessary borrowing? - What policies promote sustainable consumption? A Different Perspective May oversimplify complex economic factors. ★ ★ ★ ★ ★ No ratings yet [Civil servants](https://sms4smile.com/quotes/about/civil-servants/) [Consumption](https://sms4smile.com/quotes/about/consumption/) [Money](https://sms4smile.com/quotes/about/money/) [People](https://sms4smile.com/quotes/about/people/) [Wonder](https://sms4smile.com/quotes/about/wonder/) ## Related quotes > [“He is totally abandoned in the way he buys book after book, never to read a single one. 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Like everybody else, I have many times asked that question, usually deciding negatively, because I am most likely to ask…](https://sms4smile.com/quotes/charles-fort/is-life-worth-living-like-everybody-else-i-have-many-times-asked-that/) [Charles Fort](https://sms4smile.com/quotes/author/charles-fort/) > [“There wasn’t much left at the end of the month for her favorite luxuries—great clothes and hardback books, but she didn’t mind. 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Of course, by doing that, I'm putting myself at risk.](https://sms4smile.com/quotes/najib-razak/i-ve-made-umno-more-democratic-more-inclusive-of-course-by-doing-that/) [Najib Razak](https://sms4smile.com/quotes/author/najib-razak/) > [Anyone who wants to be part of the political process should adopt values that are compatible with democracy.](https://sms4smile.com/quotes/najib-razak/anyone-who-wants-to-be-part-of-the-political-process-should-adopt/) [Najib Razak](https://sms4smile.com/quotes/author/najib-razak/) > [The Arab awakening was driven by youth, organized by technology, and fired by a hunger for political change.](https://sms4smile.com/quotes/najib-razak/the-arab-awakening-was-driven-by-youth-organized-by-technology-and/) [Najib Razak](https://sms4smile.com/quotes/author/najib-razak/) > [For many years, Myanmar's leadership was largely shut out from the world of international diplomacy.](https://sms4smile.com/quotes/najib-razak/for-many-years-myanmar-s-leadership-was-largely-shut-out-from-the/) [Najib Razak](https://sms4smile.com/quotes/author/najib-razak/) > [I would argue that Asean has been instrumental in driving both economic growth and political development, and that there can be no clearer example…](https://sms4smile.com/quotes/najib-razak/i-would-argue-that-asean-has-been-instrumental-in-driving-both/) [Najib Razak](https://sms4smile.com/quotes/author/najib-razak/) [Explore all 56 Najib Razak quotes ](https://sms4smile.com/quotes/author/najib-razak/) ## More Borrow quotes > [Borrow trouble for yourself, if that's your nature, but don't lend it to your neighbours.](https://sms4smile.com/quotes/rudyard-kipling/borrow-trouble-for-yourself-if-that-s-your-nature-but-don-t-lend-it/) [Rudyard Kipling](https://sms4smile.com/quotes/author/rudyard-kipling/) > [I would borrow money all day long, if the cost of borrowing is less than the expected return.](https://sms4smile.com/quotes/brad-schneider/i-would-borrow-money-all-day-long-if-the-cost-of-borrowing-is-less/) [Brad Schneider](https://sms4smile.com/quotes/author/brad-schneider/) > [Do not borrow the productions of other men's brains and pens and recite them as a lesson; but make the most of the talents,…](https://sms4smile.com/quotes/ellen-g-white/do-not-borrow-the-productions-of-other-men-s-brains-and-pens-and/) [Ellen G. White](https://sms4smile.com/quotes/author/ellen-g-white/) > [Our originality shows itself most strikingly not in what we wholly originate but in what we do with that which we borrow from others.](https://sms4smile.com/quotes/eric-hoffer/our-originality-shows-itself-most-strikingly-not-in-what-we-wholly/) [Eric Hoffer](https://sms4smile.com/quotes/author/eric-hoffer/) > [A poet ought not to pick nature's pocket. Let him borrow, and so borrow as to repay by the very act of borrowing. Examine…](https://sms4smile.com/quotes/samuel-taylor-coleridge/a-poet-ought-not-to-pick-nature-s-pocket-let-him-borrow-and-so-borrow/) [Samuel Taylor Coleridge](https://sms4smile.com/quotes/author/samuel-taylor-coleridge/) > [“Dreams are the kind of things you can—when you need to—borrow and lend out,”](https://sms4smile.com/quotes/haruki-murakami/dreams-are-the-kind-of-things-you-can-when-you-need-to-borrow-and/) [Haruki Murakami](https://sms4smile.com/quotes/author/haruki-murakami/) > [Experience is the only good 'tis safer to borrow than to buy.](https://sms4smile.com/quotes/ivan-panin/experience-is-the-only-good-tis-safer-to-borrow-than-to-buy/) [Ivan Panin](https://sms4smile.com/quotes/author/ivan-panin/) > [Scientists have odious manners, except when you prop up their theory; then you can borrow money of them.](https://sms4smile.com/quotes/mark-twain/scientists-have-odious-manners-except-when-you-prop-up-their-theory/) [Mark Twain](https://sms4smile.com/quotes/author/mark-twain/) > [U turned ur bck oN tomorw,c0z u 4gt Yestrday.i gave u my love in borrow.. bt u jst throw it away..](https://sms4smile.com/quotes/xresh-atish/u-turned-ur-bck-on-tomorw-c0z-u-4gt-yestrday-i-gave-u-my-love-in/) [Xresh Atish](https://sms4smile.com/quotes/author/xresh-atish/) > [“You can always borrow ideas; but unless you improve them very significantly, never behave as if they are your own!”](https://sms4smile.com/quotes/mehmet-murat-ildan/you-can-always-borrow-ideas-but-unless-you-improve-them-very/) [Mehmet Murat ildan](https://sms4smile.com/quotes/author/mehmet-murat-ildan/) > [How strange! When people borrow money, they bow to you and when you collect it, you have to bow to them.](https://sms4smile.com/quotes/anonymous/how-strange-when-people-borrow-money-they-bow-to-you-and-when-you/) [Anonymous](https://sms4smile.com/quotes/author/anonymous/) > [To be successful, keep looking tanned, live in an elegant building (even if you're in the cellar), be seen in smart restaurants (even if…](https://sms4smile.com/quotes/anonymous/to-be-successful-keep-looking-tanned-live-in-an-elegant-building-even/) [Anonymous](https://sms4smile.com/quotes/author/anonymous/) > [“acquaintance, n.: A person whom we know well enough to borrow from, but not well enough to lend to.”](https://sms4smile.com/quotes/ambrose-bierce/acquaintance-n-a-person-whom-we-know-well-enough-to-borrow-from-but/) [Ambrose Bierce](https://sms4smile.com/quotes/author/ambrose-bierce/) > [Borrow my umbrellas, my clothes, my money, and I will likely not think of them again. But borrow my books and I will be…](https://sms4smile.com/quotes/phyllis-mcginley/borrow-my-umbrellas-my-clothes-my-money-and-i-will-likely-not-think/) [Phyllis McGinley](https://sms4smile.com/quotes/author/phyllis-mcginley/) > [The new American dream is one of responsibility. What is the bottom-line number that you're going to be able to pay back toward a…](https://sms4smile.com/quotes/suze-orman/the-new-american-dream-is-one-of-responsibility-what-is-the-bottom/) [Suze Orman](https://sms4smile.com/quotes/author/suze-orman/) Browse all 268 Borrow quotes ```json { "@context": "https://schema.org", "@graph": [ { "@type": "Quotation", "text": "People willy-nilly borrow for consumption. 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