寅吃卯粮

yín chī mǎo liáng

lit. eating away next year's food in advance

fig. to dip into the next month's check; live now, pay later

yín

3rd earthly branch: 3-5 a.m., 1st solar month (4th February-5th March), year of the Tiger

chī

variant of 吃[chi1]

mǎo

old variant of 卯[mao3]

liáng

grain