possible for a man to keep out of debt?"

"By spending less than he receives."

"That is easily said."

"And as easily done. All that is wanted is prudent forethought,
integrity of purpose, and self-denial. He must take care of the
pennies, and the pounds will take care of themselves."

"Trite and obsolete."

"True if trite; and never obsolete. It is as good doctrine to-day as
it was in poor Richard's time. Of that I can bear witness."

"I could never be a miser or a skinflint."

"Nor I. But I can refuse to waste my money in unconsidered trifles,
and so keep it for more important things; for a trip to Niagara and
the White Mountains, for instance."

The two young men who thus talked were clerks, each receiving the
salary already mentioned--six hundred dollars. One of them, named
Hamilton, understood the use of money; the other, named Hoffman,
practised the abuse of this important article. The consequence was,
that while Hamilton had a hundred dollars saved for a trip during
his summer vacation, Hoffman was in debt for more than two or three
times that amount.

The incredulous surprise expressed by Hoffman was sincere. He could