寅吃卯粮

nǐ xià yuè xīn jīn zǎo jiù jiè guāng le yín chī mǎo liáng shì bù xíng de

你下月薪金早就借光了，寅吃卯粮是不行的。

You've already drawn next month's salary. That will not do.

kuài bǎ nǐ de xìn yòng kǎ gěi wǒ nǐ huā qián zǒng shì yín chī mǎo liáng de

快把你的信用卡给我，你花钱总是寅吃卯粮的。

Give me your credit cards. You're living beyond your means.