1. There's no such thing as a free lunch.

= Nothing in life is free! One way or another, you’ll sooner or later have to pay for something that was, at first, given to you for free.

This saying seems to have been coined in response to the democratic stance of Henry Wallace, the US Vice President (1941 -1945). After World War II, he proposed providing "minimum standards of food, clothing and shelter" for people across the globe and added, "If we can afford spending tremendous sums of money to win the war, then we can afford investing whatever amount it takes to win the peace.”
His opponents were quick to argue that “one will always have to pay for a free lunch”, implying that Henry Wallace's intentions were far from charitable or unselfish.

This saying might be used by someone who has to work a lot to get what they want. 

2. Money makes the world go round. 

= Money is the only reason that the world keeps turning.

This phrase is from the world-famous musical Cabaret, written in the sixties. 

This saying might be used by someone who believes that trade or the stock market, for example, plays a vital role in everyday life.
 
3. Neither a borrower nor a lender be.

= Avoid borrowing money from other people or even lending it.​

This saying originates from Hamlet, written by William Shakespeare in 1602. In one of the acts in this play, Polonius advises his son, Laertes, before the latter sets out on a journey.

This saying might be given as a word of advice to a young person who lacks experience in managing their finances. 

Do you have these 3 expressions all mixed up in your head? Indeed, “have been to”, “have gone to” and “have been in” look very similar and can be easily confused, but, in fact, they differ greatly in terms of meaning. So, I’m afraid that if you don’t use them accurately, misunderstandings are bound to arise. Read on in order to learn how to use “have been to”, “have gone to”, and “have been in” correctly. 
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1. HAVE BEEN TO 

"I have been to a place" = I went to a place and I have returned

Examples:

1. I have never been to Paris before. I'd very much like to visit it one day. 
   
2. Bill, who's a sales representative, has already been to New York twice this year on business. 
   
3. Jenny has never been to a rock concert.