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 it makes you appear a careful as well as an honest man, and that still increases your credit.

Beware of thinking all your own that you possess, and of living accordingly. It is a mistake that many people who have credit fall into. To prevent this, keep an exact account, for some time, both of your expenses and your income. If you take the pains at first to mention particulars, it will have this good effect, you will discover how wonderfully small trifling expenses mount up to large sums, and will discern what might have been, and may for the future be saved, without occasioning any great inconvenience.

In short, the way to wealth, if you desire it, is as plain as the way to-market. It depends chiefly on two words, industry and frugality; that is, waste neither time nor money, but make the best use of both. Without industry and frugality nothing will do, and with them every thing. He that gets all he can honestly, and saves all he gets, (necessary expenses excepted,) will certainly become rich—if that Being who governs the world, to whom all should look for a blessing on their honest endeavours doth not, in his wise providence, otherwise determine.

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1748.

use of money is all the advantage there is in having money.

For £6 a-year you may have the use of £100, provided you are a man of known prudence and honesty.

He that spends a groat a-day idly, spends idly above £6 a-year, which is the price for the use of £100.

He that wastes idly a groat's worth of his time per day, one day with another, wastes the privilege of using £100 each day.

He that idly loses 5s. worth of time loses 5s., and might as prudently throw 5s. into the sea.

He that loses 5s, not only loses that sum, but all the advantages that might be made by turning it in dealing; which, by the time that a young man becomes old, will amount to a considerable sum of money.

Again, he that sells upon credit, asks a price for what he sells, equivalent to the principal and interest of his money for the time he is to be kept out of it; therefore, he that buys upon credit, pays interest for what he buys; and he that pays