કરજ કરીને તેહેવાર કરવા તે દુઃખી થવાનું.

karaja karīnē tēhēvāra karavā tē duḥkhī thavānuṁ.

Literally: Celebrating festivals by taking on debt is to bring misery upon oneself.
What it means: Borrowing money merely for lavish celebrations leads to financial ruin.

Also said as

ગુજરાતી કહેવતસંગ્રહ (Gujarati Kahevat Sangrah) (1921) · read from the scan by machine — the Gujarati itself is unchecked · English is machine-made and nobody has checked it yet

Heard it differently, or know we've got the sense wrong? Tell us — that is exactly the kind of correction this needs.