After the pay cut, life became hard — truly, shifting from luxury to thrift is painful.
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From Sima Guang's (司马光) Northern Song 《训俭示康》 (Instructions on Frugality for [my son] Kang). Couplet: 由俭入奢易,由奢入俭难 — 'To go from frugality into extravagance is easy; to go from extravagance back into frugality is difficult.' Sima Guang — compiler of 《资治通鉴》 — was famously thrifty despite being chief minister, and wrote this piece to train his son.
usage
Paired couplet — always quoted with its mate 由俭入奢易. Warning-register: financial advisers, parents, and household economists all reach for this line. 俭 is jiǎn (thrift), 奢 is shē (extravagance) — easy to mix up character order.