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in time or expense, unperceived, a 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 advantages.

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 occasion, 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 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; demands it before he can receive it in a lump.

It shews, besides, that you are mindful of what you owe; it make 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, 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 trifling expences mount 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

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and saves all he gets, (necessary expences Px -will certainly become rich-if that Being who the world, to whom all should look for a bles their honest endeavours, doth not, in his wise prov otherwise determine.

AN OLD TRADESM

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THE use of money is all the advantage ther having money.

For six pounds a year you may have the use hundred pounds, provided you are a man of kno dence and honesty.

He that spends his groat a day idly, spends idl six pounds a year, which is the price for the us hundred pounds.

He that wastes idly a groat's worth of his time one day with another, wastes the privilege of us hundred pounds each day.

He that idly loses five shillings worth of tim five shillings, and might as prudently throw fi lings into the sea.

He that loses five shillings, not only loses th but all the advantages that might be made by it in dealing, which, by the time that a young comes old, will amount to a considerable sum ney.

Again: he that sells upon credit, asks a p what he sells equivalent to the principal and int his money for the time he is to be kept out of it fore, he that buys upon credit, pays interest f

he buys; and he that pays 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 five per cent. by bad debts; therefore he charges, on all he sells upon credit, an advance that shall make up that deficiency.

Those who pay for what they buy upon credit, pay their share of this advance.

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

A penny sav'd is too pence clear

A pin a day's a groat a year.

The way to make money plenty in every
man's pocket.

AT this time, when the general complaint is that money is scarce," it will be an act of kindness to inform 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 pursesand how to keep them always full. Two simple rules,

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well obsesved, will do the business. First, let honesty and industry be thy constant com. panions: and,

Secondly, spend one penny less than thy clear gains. Then shall thy hide-bound pocket soon begin to thrive, and will never again cry with the empty bellyach; neither will creditors insult thee nor want oppress, nor hunger bite, nor nakedness freeze the. The whole hemisphere will shine brighter, and pleasure 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 live independent. Then shalt thou be a man, and not hide thy face at the ap proach of the rich, nor suffer the pain of feeling little

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until thou reachest the evening hour for rest. nesty be as the breath of thy soul, and never fo have a penny, when all thy expences are enur and paid: then shalt thou reach the point of hap and independence shall be thy shield and buck helmet and crown; ther shall thy soul walk nor stoop to the silken wretch because he hath nor pocket an abuse because the hand which wears a ring set with diamonds.

An Economical Project.

CA translation of this Letter appeared in one Daily papers of Paris about the year 1784. lowing is the original piece, with some A and corrections made in it by the Author.] To the Authors of the Journal.

MESSRS.

You often entertain us with accounts of new o ries. Permit me to communicale to the public, t your paper, one that has lately been made by and which I conceive may be of great utility.

I was the other evening in a grand company the new lamp of Messrs. Quinquet and Lange troduced, and much admired for its splendor; b neral enquiry was made, whether the oi' is co was not in proportion to the light it afforded, i case there would be no saving in the use of it. present could satisfy us in that point, which all ought to be known, it being a very desirable lessen, if possible, the expence of lighting our

ments, when every other article of family expence was so much augmented.

I was pleased to see this general concern for econo. my; for I love economy exceedingly.

I went home, and to bed, three or four hours after midnight, with my head full of the subject. An accidental sudden noise waked me about six in the morning, when I was surprised to find my room filled with light; and I imagined at first, that a number of these lamps.had: been brought into it: but rubbing my eyes, 1 perceiv ed the light came in at my windows. I got up and looked out to see what might be the occasion of it, when I saw the sun just rising above the horizon, from whence he poured his rays plentifully into my chamber, my domestic having negligently omitted the preceding evening to close the shuttters.

I looked at my watch, which goes very well, and found that it was but six o'clock: and still thinking it something extraordinary that the sun should rise so early, I looked into the almanack; where I found it to be the hour given for his rising on that day. I looked forward too, and found he was to rise still earlier every day till towards the end of June; and that at no time in the year he retarded his rising so long as till eight o'clock Your readers, who with me have never seen any signs of sun shine before noon, and seldom regard the astronomical part of the almanack, will be as much astonished as I was, when they hear of his rising so early; and especially when I assure them that he gives light as soon as he rises. I am convinced of this. I am certain of the fact. One cannot be more certain of any fact. I saw it with my own eyes. And having repeated this observation the three following mornings, I found always precisely the same result.

Yet so it happens, that when I speak of this discovery to others, I can easily perceive by their countenances, though they for bear expressing it in words, that they do not quite believe me. One, indeed, who is a learned natural philosopher, has assured me that I must certain

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