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23 to what profession or trade you have been formerly brought up to. If of the inferior or middle sort of tradesmen or artificers, (for those are chiefly concerned in this unhappiness) you must first, be very diligent and industrious in your business ; and, secondly, take heed of idleness, and all vain and idle companions, that loiter up and down, and squander away their time as if it were of no value, though it is the most precious thing in the world, there being nothing in the world that is a more certain indication of ruin and destruction than the wasting and misimproving of our time. And yet this is done by those that would take it ill to be charged therewith ; as for instance, how many are there that spend a great deal of their time in coffee-houses and weekly elubs ! where, though but little money is pretended to be spent, yet a great deal of precious time is squandered away and lost ! which many that frequent these places never think of, but measure their expenses only by what goes out of their pockets, not considering what they might have gained in the time by their labour, and what they might have saved by keeping at their business.

Let us therefore reckon, when a tradesman goes to the coffee-house or ale-house to take a morning dranght, (let it be of what liquor he wills,) while he is spending his twopence, smoking and talking, he loses at least an hour of his time ; and in the evening he goes to his twopenny club, and there tarries from six till ten. Now, it must be a very poor trade, if in that time he could not have earned a shilling. And if he keeps servants, the want of his presence at home may have occasioned his losing as much as he could have gained himself ; so that his spending a groat morning and night, (which is fourpence each time,) cannot be accounted less than the loss of 2s. 8d. a-day, which comes to 16s. a-week, and £41 12s. a-year, which sum if saved, until his eldest son arrived at 21 years of age, and so fit for marriage, and to set up in trade, would have amounted to £873 12s. They who would live so as not to want money, must avoid all such idle and needless expenses, and unnecessary loss of time.

But if the person complaining of the want of money, has been brought up to no trade, then let him consider to what kind of life his genius or natural disposition does most of all incline him. If he cannot find employment in his own country to suit his genius, (which can scarcely be supposed in a country such as Great Britain, where arts and science are carried to the greatest perfection, and where a person of any genius, or of little genius, may find employment,) let him seek his fortune abroad. He may at once satisfy his curiosity,