1. إِذا شِئتَ أَن تَستَقرِضِ المالَ مُنفِقاً

    عَلى شَهَواتِ النَفسِ في زَمَنِ العُسرِ

    If you wish to borrow money to spend

    on the soul’s desires in a time of hardship,

  2. فَسَل نَفسَكَ الإِنفاقَ مِن كَنزِ صَبرِها

    عَلَيكَ وَإِنظاراً إِلى زَمَنِ اليُسرِ

    then ask your soul to spend from the treasure of its patience

    with you, and to grant respite until a time of ease.

  3. فَإِن سَمَحَت كُنتَ الغَنيَّ وَإِن أَبَت

    فَكُلُّ مَمنوعٍ بَعدَها واسِعُ العُذرِ

    For if it consents, you are rich; and if it refuses,

    then anyone prevented from giving thereafter has ample excuse.