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EMEMBER that time is money. He

that can earn ten shillings a day by his labour, and goes abroad, or fits idle one half of that day, though he spends but fixpence during his diversion or idleness, ought not to reckon that the only expence; he has really spent, or rather thrown away, five shillings befides.

REMEMBER that credit is money.' If a man lets his money lie in


hands after it is due, he gives me the interest, or so much as I can make of it during that time. This amounts to a considerable sum when a man has good and large credit, and makes good use of it.


REMEMBER that money is of a pro-, lific generating nature. Money can beget money, and its offspring can beget more, and so on. Five shillings turned is fix; turned again, it is seven and three pence; and so on till it becomes an hundred pounds. The more there is of it, the more it produces, every turning, so that the profits rise quicker and quicker. He that kills a breeding fow, destroys all her offspring to the thousandth generation. He that murders a crown, destroys all that it might have produced, even scores of pounds.

REMEMBER that fix pounds a year is but a groat a day. For this little sum, which may be daily wasted either in time or expence, unperceived, a man of credit may, on his own security, have the constant pofsession and use of an hun


dred pounds. So much in stock, briskly turned by an industrious man, produ. ces great advantage.

Remember this saying, “ The good paymaster is lord of another man's purse.” He that is known to pay punctually and exactly to the time he promises, may at any time, and on any occafion, raise all the money his friends can spare. This is sometimes of

great use. After industry and frugality, nothing contributes more to the raising of a young man in the world, than punctuality and justice in all his dealings: therefore never keep borrowed money an hour beyond the time you promised, lest a disappointment shut up your friend's purse for ever.

The most trifling actions that affect a man's credit are to be regarded. The found of your hammer at five in the morning, or nine at night, heard by a creditor, makes him eafy six months

longer; longer ; but if he fees 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 shews, besides, that you are mindful of what you owe; it makes you appear a careful, as well as honest man, and that still increases your credit.

Beware of thinking all your own that you poffess, 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 expences and your income. If you take the pains at first to mention particulars, it will have this good effect; you will discover how wonderfully smalltrifling expences mount up to large fums, 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 mar. ket. 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 expences excepted) will certainly become rich; if that Being who go. verns the world, to whom all should look for a blessing on their honest en. deavours, doth not, in his wife provi. dence, otherwise determine.


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