In most cases, it would be better to make do with less than to obligate oneself by borrowing. Of course, there may be exceptions, such as when an emergency arises and there does not seem to be any other way out.
अगर ऐसा है, तो भलाई इसी में होगी कि आपके पास जितना है उसी में खुश रहिए और उधार लेने से दूर रहिए ।