Page images


some time afterwards. But this iazter method is not equal to the former.

Those who do not love trouble, and can afford to have iwo beds, will find great luxury in rising, when they wake in a hot bed, and going into the cool one. Such shifting of beds would also be of great service to persons ill of a fever, as it refreshes and frequentiy procures sleep. A very large bed, that will admits

removal so distant from the first situation as to be i cool and sweet, may in a degree answer the same

One or two observations more will conclude this little piece. Care must be taken, when you lie down, to dispose your pillow so as to suit your man. ner of placing your head, and to be perfectly easy ; then place your limbs so as not to bear inconveniently hard upon one another; as for instance, the joints of your ancles : for though a bad position may at first give but little pain, and be hardly noticed, yet a con. tinuance will render it less tolerable, and the uneasi. ness may come on while you are asleep, and disturb your imagination.

These are the rules of the art. Bui though they will generally prove effectual in producing the end intended, there is a case in which the most punctual observance of them will be totally fruitless. I need not mention the case to you, niy dear friend: but my account of the art would be imperfect without it, The case is, when the person who desires to havo. the pleasant dreams has not taken care to preserve what is necessary, above ail things,



Written anno 1748.


As you have desired it of me, I write the following

uits, which have been of service to me, and may is observed, be so to you.

REMEMBER that time is money., He that can earn 10. shillings a-day by his labour, and goes abroad, se sits idle one half of that day, though he spends but six pence during his diversion or idleness ought on to reckon that the only expense ; he has really spent, or rather thrown away, five shillings besides.

Remember that credit is money. If a man lets his money lie in my hands after it is due, he gives me the interest, or so much as I can make of during that time. This amounts to a considerable sum where a man has good and large credit, and makes good use of it,

Remember that money is of a prolific generating nature. Money can beget money, and its offss: ng can beget more, and so on. Five stillings turned is six; turned again is seven and three pence; and so m till it becomes an hundred pounds. The more there is of it, the wore it produces every turning, so hat the profits ruc quicker and quicker. He that kills a breeding son, destroys all her offspring to the thousandth generation. He that murders a crown, destroys all that it mignt have produced, even scores of pounds.

Remember that six pounds a-year is but a groat a-day. For this little sum (which may be daily wasted either in time or expense, unperceived) & man of credit may, on his own security, have the constant possession and use of an hundred pounds. So much in stock, briskly turned by an industrious man, produces great advantage.

Remember this saying. « The good paymaster in lord of another man's purse.” He that is kuown to

pay punctually and exactly to the time he promises, may at any time, and on any occasi on, raise all tho money his friends can spare. This is soinetimes of great use.

After industry and frugality, nothing con. tributes more to the raising of a young man in the world, than punctuality and justice in all his deal. ings: therefore never keep burrowed money an hour beyond the time you promised, lest a dicappointment shut up your friend's purse for ever.

The niost trilling actions that affect a man's cre dit are to he regarded. The sound of your hammer at five in the morning, or nine at night, heard by a creditor, makes hin easy six months longer; but if he sees you at a billiard-table, or hears your voice at a tavern, when you should be at work, he sends for his money the next day; demands it before he can receive it in a lump.

It shows, besides, 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, acci or living accordingly. It is a mistake that mang pecple 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 tri fing expenses mount up to large sums, and will discern what might have been, and may for the futuro 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 iwo 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 expences excepted), will certainly become rich-if ihat 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.





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

For six pounds a year you may have the use of one hundred pounds, provided you are a man of known prudence and honesty.

He that spends a groat a-day idly, spends idly above six pounds a-year, which is wie price for the usc of one hundred pounds. He that wastes idly a gicat's worth of his time

per day, one day with another, wastes the privilege of asing one hundred pounds each year.

He that idly loses five shillings worth of time loses fre shillings, and might as prudently throw five shillings into the sea.

He that loses five shillings, 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 oid, will anouut to a considerable sum of (noney.

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 rays ready money, might let that money out to use; so that he that possesses any thing he has bought, pays interest for the use of it.

Yet, in buying goods, it is best to pay ready money because, he that sells upon credit, expects to lose fivo per cent. by bad debts; therefore he charges, on al le sells upon credit, an advance

that shall make up that deficiency. Those who


for what they buy upon Credit, pay their share of this advance.

He that pays ready money, escapes, or may escape Wat charge.

A penny sav'd is twopence clear ;
A pin a day's a grval a year.



At this time, wnen the general complaint is that. proney is scarce," it will be an act of kindness to nform the moneyless how they may reinforce their pockets. I will acquaint them with the true secret of money-catching--the certain way to fill empty purses

and how to keep them always full. Two sinple rules, well observed, will do the business.

Frst, Let honesty and industry be thy constant coinpanions; and,

Secondly, Spend one penry less than thy clear gains.

Then shall thy hide-bound pocket soon begin to thrive, and will never again cry with the empty belly ach: neither will creditors insult thee, nor want oppress, no hunger bite, nor nakedness freeze thee. 'The whole hemisphere will shine brigher, and plea. sure spring up in every corner of thy heart. Now, therefore, embrace these rules and be happy. Banish the bleak winds of sorrow from thy mind, and livo independent. Then shalt thou be a man, and not hide thy face at the approach of the rich, nor suffer

the pain of feeling litile when the sons of fortune . walk at thy right hand: for independency, whether

with little or much, is good fortune, and placeth thee on even ground with the proudest of the golden eece. Oh, then, be wise, and let industry walk with hee in the morning, and attend thee until thou eachest the evening hour for rest. Let honesty bo

s the breath of thy soul, and never forget to have a penny, when all thy expenses are enuinerated and paid: then shalt thou reach the point of happiness, and independence shall be thy shield and buckler, thy helmet and crown; then shall thy soul walk upright, nor stoop to the silken wretch hecause he hath richies, nor pocket an abuse because the land which offers it wears a ring set with diamonds.

« PreviousContinue »