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He that murders a crown, destroys all it might have produced, even scores of pounds.

Remember that six pounds a year are but a groat a day. For this little sum, which may daily be wasted in time or expence, unperceived, a man of credit may, on his own security, have the constant use and possession of <£100. So much in stock, briskly turned by an industrious man, produces great advantage.

Remember this saying, That 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 occasion, raise all the money his friends can spare. This is sometimes of great ult; 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 sound of your hammer at five in the morning, or nine at night, heard by a creditor, makes him 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. Finer clothes than he or his wife wears, or greater expence in any particular than he affords himself, shocks his pride, and he duns yop to humble you. Creditors are a kind of people that have the sharpest eyes and ears, as well as the best memories, of any in the world.

Good-natured creditors (and such one would always chuse to deal withif one could) feel pain when 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 different times or payments, than be obliged to go ten different times t6 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 expences amount 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 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, (necessafy expences excepted,) will certainly become rich; if that Being, who governs the world, in whom all should look for a blessing on their honest endeavours, dojh not in his wise providence otherwise determine.




Paying Old Debts.

The following Letter was received by the Editor of tne Leeds Mercury, from a Tradesman in HucU dersncld.

Why should excuse be born, or ere begot >"



A Correspondent of yourg, in the Mercury of last week, has taken some pains to instruct your readers in their Christmas Religious DuTies; permit me to make the same experiment upon the Chrismas Moral Duties, not of your readers only, for my philantropy is more extensive; and, on the ground of Punctuality, I wish to be the reformer of the world.

There is no talent, Sir, in the application of which some gentlemen more excel, than that of excusing ; and, when I tell you that I am a tradesman, obliged, from the nature of my business, to give credit, I hope you will not doubt that experience has qualified me to speak upon this subject, and to speak feelingly

There are two kinds of debtors—those who cannot pay, and those who willnot pay. The first have excuses teady made—the latter »re


obliged to make excuses. The first may be sometimes dishonest—the latter are never very honest. The first destroy hope at one blow— the latter protract its torments till it expires from weakness. The first is an acute distemper, that kills in a few hours—the latter is a chronic distemper, worse than death. In a word, Sir, inability is tolerable, because, they cannot cure it—unwillingness is painful, because I cannot shorten it.

In forming excuses, according to the common practice, the following rules are observed:

1st. That the same excuse shall be as seldom repeated as possible.

2nd. That the excuses be as various and plausible as possible.

3rd. By way of maxim—every kind and degree of excuse deserves to be tried, because there is much less ineonvenietice in postponing a debt than in paying it; and the advantages of giving words and parting with money, are on the side of the former.

To exemplify these rules, Mr. Editor, permit me to state the case of a bill which I sent to one of my customers, (for last new year, to be candid, the approach of that season has tempted me to trouble you on the present occasion.) Now mark the excuses in succession.

Jan. 1.0! this is Mr. L 's bill. Call

again any day next week.

Jan. 9. "Not at home."—'• When will he be at home ?""—" Any time to-morrow."

Jan. 10. "Has a gentleman with him," waits an hour—"Oh! ah! this is the bill— ay—hum? look in on Tue'sday."

Tuesday. - "Not at home—gone to the Cloth Hall." ,.'

Thursday. "Leare the bill, and I will look it over."

20. "There seems to be a mistake in the bill; I never had this article—take it back to your master, and tell him to examine his books."

24. "Just gone out."

29. "I am busy now: tell your master I'll call on him as I go into the town."

Feb. 16. "Bles3 me? I quite forgot to call. This bill is not discharged—bring me a receipt any time to-morrow, or next day."

17- "Gone to London, and won't be at home till next month."

March 12: "What! did not I pay that bill before I went out of town .^—Are you going farther?"—" Yes."—" Very well; call as you come back, and I'll settle.""—Calls, and he is gone to dinner at Holmfirth.

16. "Plague of this bill!—'' I don't believe I have so much cash in the house—Can you give me change for £100 note ?"—" No." "Then call in as you pass, to-morrow." '18. "Notat home."

25. Appoint a day !" Pray what does your master mean? Tell him I'll call upon him, to know what he means by such a message."

April 14. "What! no discount!"—" Sir, it has been due these two years."—'' There's your money then."—'* These notes won't pay."—" Then you must call again; I have no loose cash in the house."

And here ends the payment of c£9. 14s. 6d. with three doubtful notes.

But these are only a sample, after all, of the many excuses I must receive; and the most mortifying part of the business is, that such

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