Advice on thrift and economy in the Nitisara ||109||

1Suta said: -Money should be saved for the time of distress, and a wife should be protected even at the sacrifice of a stored-up treasure. A man should defend his own self even at the cost of his wealth and wife.
2It is prudent to sacrifice a individual for the protection of a family. The safety of an village should be purchased with the loss of a family, while that of a country should not be regarded too dear even at the sacrifice of a single village, it being imperatively obligatory on a person to save his own self even at the loss of the whole world.
3It is better to live in hell than to reside in a house of infamy. Extinction of the effects of his own misdeeds in life, sets free a condemned spent ram its doleful confines whereas a person who has once resorted to a house of ill fame, can never be properly reclaimed.
4A wise man does not move one step by letting go his sure and former foothold in old situation of trust and tested safety should not given up nature of Without well ascertaining the a new one.
5A man should renounce a country whose inhabitants walk in the path of inequity, give up his residence in a house found to be infested with dangers, avoid all connections with a niggardly prince, and forego the company of deceitful friends.
6Of what good is the gold which is in the greedy gripe of a miser? Of what worth is the knowledge which is wedded to a low cunning nature? What does mere personal beauty avail a person whose mind is not adorned with ennobling attributes? And what is the good of one’s having a friend who forsakes one is days of adversity.
7From unforeseen quarters friends gather round a man in power and prosperity. Even the very kins of one, out of office and fortune, tum their back as enemies in one’s adversity.
8Friendship is tested. in distress; valour, in battle; a wife, on the loss of fortune; and an agreeable guest in time of famine or scarcity.
9Birds forsake a tree whose fruits are’ gone. Herons visit not the shores of a dried pool. Courtesans smile not on (forswear the company at) a person whose purse is exhausted, nor Ministers flock round a king, bereft of his sovereignty. On the withered flowers the bees sit not with their melodious humming’s, nor do herds of deer roam about in the forest which a wood fire has consumed. One person endears another simply out of motives of self-seeking. Is there any love for love’s sake an earth?
10The greedy are taken by gain, the proud by a show of humility, fools, by pleasing themes, and the wise by truth.
11The gods, the good and the Brahmanas, are pleased with the exhibition of genuine goodness, the vulger, with food and drink, and the erudite, with learned discourses.
12The good should be won over with marks of respect. The crafty should be won by creating a breach in their ranks, the low by making trifling gifts or concessions in their favour, and one’s rivals by exhibiting equal prowess.
13An intelligent man shall enter into the good graces of persons he shall have to deal with through an accurate judgment of their likes and dislikes, and thus speedily win them over to his cause or side.
14No confidence should be reposed in (the freaks of) rivers homed cattle, clawed beasts, women, persons of royal blood and arm bearing individuals (fully equipped soldiers etc.,).
15A prudent man should never give any publicity to any publicity to any insult he might have suffered, to any deception that might have been practised upon him, to any heartache of his own, nor to an instance of female infidelity in his house.
16Movements in a low or wicked company, a long separation from her husband, excessive and indulgent fondling, and a residence in another’s house are the factors which excite a wife to break her plighted faith.
17Who is he who can boast of a spotless pedigree? Where is the man who has never been assailed by any malady? Who is he whom danger doth not beset in life? ‘Who can be sure of the perpetual favours of fickle fate?
18Who is he whom opulence filleth not with pride? Who is he who standeth above all probability of danger? Where is the man who is impervious to female charms? Who is he whom a king doth love in his heart? Who is he whom Time doth not sway? Who is he whom begging doth not lower? Who is he who being netted with the guiles of the crafty, has come off unscathed?
19Perpetually in distress is the man who has no friends or relations of his own, nor endowed with a sharp intellectual faculty and incapable of putting a success to better advantage. Wherefore should a wise man engage in a pursuit, success in which does not bring in any profit, and failure whereof is fraught with dangerous results.
20Quit the country where you can find neither friends nor pleasures, nor in which is there any knowledge to be gained.
21Acquire that wealth which kings or thieves can neither extort nor steal and which follows a person even beyond the grave. Your successors, after your demise, shall inherit and divide among themselves the wealth which has cost your life-long and killing toils to acquire.
22The soul only enjoys the fruits of the sins and inequities involved in the acquisition of wealth which, again, forms the portion of others Who come next.
23A miser, cerning and hoarding up gold without knowing its proper use, is like a mouse which steals from other men’s granaries, and is only troubled with the care of defending his ill-gotten gain.
24miser, naked, wretched and lamenting the loss of his fortune by striking his hand against his forehead, shoes but the evil effects of not making any gift (proper use of money).
25A miser, continually crying for fresh hoards, and stretching out his palms in greed, demonstrates but the plight in which a nongiver would stand in his next birth. May you never be in such a predicament.
26Money hoarded up by a miser simply for the pleasure of hoarding, without being spent in the celebration of a hundred Horse-Sacrifices, or in relieving the want of the wise and the erudite, ultimately feds its way into the coffers of thieves and king’s courts.
27The wealth accumulated by a miser, never comes to the use of the Brahmanas, nor to that of his own relations; is never spent for any religious purpose, nor in purchasing his personal comforts, but is consumed by fire, thieves, and law-courts.
28May that wealth, which is acquired by vicious ways, or by excessive toil, or by bowing down to one’s enemies, be never yours.
29Non-cultivation thereof, is a blow to one’s learning; a shabby dress is a blow to a woman; eating after digestion is a blow to a disease; and cleverness is a blow to one’s enemies.
30Death is the penalty for theft, a separate bed is the punishment for a wife, a cold greeting is the punishment for deceitful friends, and no invitation is the punishment for Brahmanas.
31Rogues, artisans, bad men, drums, and women, are softened and set right by beating. They do not deserve good behavior.
32A mission is the true test for the efficiency of one’s servants; adversity, for the sincerity of one’s friends; and loss of fortune is the proper occasion to test the fondness of one’s wife.
33A woman takes twice as much food, is four times as much cunning, six times as much resourceful, and eight times as much amorous, as a man.
34Sleep cannot be conquered by sleeping. A woman knows no satisfaction in sexual matters. Fire cannot be conquered with logs of wood, not thirst, with wines.
35Amorous fancies in women, are roused up by a meat diet and impulsive fares, by good apparels, flowers, perfumes and wine.
36-37Verily do I say unto you, O Sounaka, that even an ascetic Brahmacarin, becomes fascinated [at such a sight], and the sexual organ of a woman, is moistened at the sight of a handsome, and well-dressed youth, even if he happen to be connected with her in the relationship of a father, a brother, or a son.
38-39A woman as well as a river, let alone, is sure to take the downward course. A woman, under the circumstance, brings down the honour of her family, while a river tumbles down her banks. A free woman, or an unchecked stream of water, is sportive in her course.
40Fire is never satisfied with fuels; nor an ocean is satisfied with receiving rivers. Death knows no satiety; and a woman knows no gratification in matters sexual.
41A man knows no satiety in discoursing with good and sincere talkers; pleasure never palls; and a man knows no satisfaction as regards the increased duration of his life and increased number of his progeny.
42A king knows no gratification in the acquisition of wealth, nor is an ocean satisfied with the increase of its tributaries. A learned man knows no content in discoursing, nor the eyes suffer any satiety with their feasts of royal sight (sight of the king).
43Those excellent men who live by plying any honest trade, and rest contented with money honestly earned and obtained, are true to their own wives and pass their time in intellectual pursuits, practise hospitality to all comers and are the lords of their own senses, attain liberation even in their own homes.
44Paradise on earth is the residence in a splendid mansion in the company of a pleasant, handsome, and gem-bedecked wife, which can result only from the dynamics of good deeds done by a man in his previous existence.
45Neither by gift alone, nor by simple respect, courtesy nursing, chastisement, etc., nor with knowledge alone that a woman can be conquered. Gradually knowledge should be acquired. Little by little a fortune should be built up.
46By degrees a mountain should be climbed (difficulty should be surmounted). Little by little desires should be gratified, and little by little virtues should be acquired, graduated efforts being enjoined to be made in these five things.
47For all eternity lasts the merit of divine service, while that of making a gift to a Brahmana endures for good. Eternal are the fruits of knowledge wedded to a noble nature; and eternal is the friendship which is roused upon a lofty soul.
48Pitiable are those human mammals in life who neglect their studies out of excessive fondness for play in their childhood; and fail to secure good friend’s wives and fortunes in their youth. They are but beasts in human shapes.
49A student of the Sastras, shall not constantly indulge in thoughts of eating, but travel even to a distant clime for his study with the speed of the celestial Garuda (the bird of conveyance of the divine Vishnu).
50Like the lotus in winter those who have not studied out of playful tendencies in their infancy and have defiled their souls with the follies of youth shall be withered up in their old age, overwhelmed with griefs and cares.
51Disquisitions on Religion and Godhead are as old as the human race, yet the Srutis could not come to an agreement anent those subjects. There is not a Rishi but propounds a theory of his own. True religion lies hid in a cave. The path of the masters is the true path in life.
52The latent, or hidden workings of a man’s mind, should be gathered and ascertained from his mien, demeanor, and the contortions of his face and eyes.
53A wise man can catch the significance even of an unarticulated speech. The function of the intellect is to read the language of demeanors, etc. Even a beast can understand the meaning of an stridulated speech. Do not horses, elephants, etc., execute the biddings of their drivers?
54Tumbled out of a fortune, one should start on a pilgrimage to a distant shrine. Deviation from the path of truth leads to Rourava (a hell of that name), deprived of the privilege of trance (occult sight). One should bide his time with truth and patience. Ousted of his kingdom, a king should go out on a hunting excursion in the forest.