they are obliged to ask for money. Spare them that pain, and they will love you. When you receive a sum

of

money, divide it among them according to your debts. Do not be ashamed of paying a small sum, because you owe a greater. Money, more or less, is always welcome, and your creditor would rather be at the trouble of receiving ten pounds, voluntarily brought him, though at ten different times or payments, than be obliged to go ten different times to demand it, before he can receive it in a lump. It shows that you are mindful of what you owe; 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, of both your expenses and incomes. 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; i. e. waste neither your time nor money, but make the best use of both. He that gets all he can, 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, does not, in his wise providence, othwise determine.

Samuel Wood & Sons,

New-York;

And Samuel S. Wood & Co.
Baltimore;

Have for sale a great variety of Juvenile Books, ornamented with handsome engravings, and adapted to the capacities of children.

The following have been recently published.

The Rational Dame: or, hints towards supplying prattle for Children, Price 50 cents.

Curious Antiquities: or, the Etymology of many remarkable Old Sayings, Proverbs, and Singular Customs; explained by Joseph Taylor, Price 50 cents.

By Mrs.

The Hedge of Thorns. Sherwood, Author of " The History of the Fairchild Family, Little

Henry and his Bearer, &c. Price 37 cents.

Scenes in China, exhibiting the Manners, Customs, Diversions, and Singular Peculiarities of the Chinese, together, with the mode of Travelling, Navigation, &c. in that vast Empire, Price 75 cents. Choice Emblems, Natural, Historical, Fabulous, Moral, and Divine, for the Instruction and Amusement of Youth; Displaying the Beaties and Morals of the Ancient Fabulists. Price 75 cents.

The Pleasing Moralist; containing Essays on various subjects, including Dr. Watts' Advice to a Young Man, on his entrance into the world. Price 371⁄2 cents.