人丑嘴不甜长得磕碜还没钱
[rén chŏu zuĭ bù tián zhăng dé kē chĕn hái méi qián]
Humorously and self-deprecatingly says 'I’m ugly, can’t talk sweet-talk, have a poor appearance, and lack money'. Often used in jest to describe oneself in an exaggerated manner as a coping mechanism or for laughs.