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265 into a capacity of doing it. For we are as really accountable for not doing the good which we might have in our power to do, if we would manage our affairs with prudence, as we are for not doing the good which is in our power now at present. And hence arise the obligations of economy upon people in the highest, as well as in the lower stations of life, in order to enable themselves to do that good, which, without economy, both of them must be incapable of; even though, without it, they could answer the strict demands of justice, which yet we find neither of them can. "A good man showeth favour, and lendeth; and," to enable himself to do so, "he will guide his affairs with discretion," Psa. cxii. 5. For want of this, many a one has reduced his family to the necessity of asking relief from those public charities to which he might have left them in a condition of largely contributing.

As economy is the duty of all persons without exception, frugality and diligence are duties which particularly belong to the middle as well as lower ranks of men; and more particularly still, to persons in trade and commerce, whatever their fortunes be. For trade and commerce cannot otherwise be carried on, but is plainly inconsistent with idleness and profusion; though indeed, were it only from regard to propriety, and to avoid being absurd, every one should conform his behaviour to what his situation in life requires, without which the order of society must be broken in upon. And considering how inherited riches, and a life of leisure, are often employed, the generality of mankind have cause to be thankful, that their station exempts them from so great temptations; that engages them in a sober care of their expenses, and in a course of application to business: especially as these virtues, moreover, tend to give them, what is an excellent ground-work for all others, a stayed equality of temper and command of their passions. But when a man is diligent and frugal, in order to have it in his power to do good; when he is more industrious, or