low riot, and the idle lavishness of negligence and laziness. A fool
squanders away, without credit or advantage to himself, more than a
man of sense spends with both. The latter employs his money as he does
his time, and never spends a shilling of the one, nor a minute of the
other, but in something that is either useful or rationally pleasing
to himself or others. The former buys whatever he does not want, and
does not pay for what he does want. He cannot withstand the charms
of a toy-shop; snuff-boxes, watches, heads of canes, etc., are
his destruction. His servants and tradesmen conspire with his own
indolence to cheat him, and in a very little time he is astonished, in
the midst of all the ridiculous superfluities, to find himself in want
of all the real comforts and necessaries of life. Without care and
method the largest fortune will not, and with them almost the smallest
will, supply all necessary expenses. As far as you can possibly, pay
ready money for everything you buy, and avoid bills. Pay that money
too yourself, and not through the hands of any servant, who always
either stipulates poundage, or requires a present for his good word,
as they call it. Where you must have bills, (as for meat and drink,
clothes, etc.) pay them regularly every month, and with your own hand.
Never, from a mistaken economy, buy a thing you do not want, because
it is cheap; or from a silly pride, because it is dear. Keep an
account in a book, of all that you receive, and of all that you pay;
for no man, who knows what he receives and what he pays, ever runs
out. I do not mean that you should keep an account of the shillings
and half-crowns which you may spend in chair-hire, operas, etc. They
are unworthy of the time, and of the ink that they would consume;
leave such _minutiae_ to dull, penny-wise fellows; but remember in
economy, as well as in every other part of life, to have the proper
attention to proper objects, and the proper contempt for little ones.
A strong mind sees things in their true proportion; a weak one views