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He that wastes idly a groat's worth of his time per day, one day with another, wastes the privilege of using one hundred pounds each day.
He that idly loses five shillings' worth of time, loses five shillings, and might as prudently throw five shillings into the sea.
He that loses five shillings, not only loses that sum, but all the advantage that might be made by turning it in dealing, which, by the time that a young man becomes old, will amount to a considerable sum of money.
Again; he that sells upon credit, asks a price for what he sells equivalent to the principal and interest of his money for the time he is to be kept out of it; therefore he that buys upon credit, pays interest for what 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 saved is two pence clear,
THE WAY TO MAKE MONEY PLENTY IN EVERY
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 purses, and how to keep them always full . Two simple rules, well observed, will do the business.
First, let honesty and industry be thy constant companions; 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 bellyache; neither will creditors insult thee, nor want oppress, nor hunger bite, nor nakedness freeze thee. 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 approach of the rich, nor suffer the pain of feeling little when the sons of fortune walk at thy right hand; for independency, whether with little or much, is good fortune, and placeth thee on even ground with the proudest of the golden fleece. Oh, then, be wise, and let industry walk with thee in the morning, and attend thee until thou reachest the evening hour for rest . Let honesty be as the breath of thy soul, and never forget to have a penny when all thy expenses are enumerated and paid; then shalt thou reach the point of happiness, and independence shall be thy shield and buckler, thy helmet and crown; then shall thy soul walk upright, nor stoop to the silken wretch because he hath riches, nor pocket an abuse because the hand which offers it wears a ring set with diamonds.
* A gentleman, who was a particular friend of Dr. Franklin, and much used to his style of writing and conversation, has expressed a belief to the Editor, that this piece was not from his pen. The internal evidence is certainly but little in its favor, and it is retained here chiefly because it is comprized in the edition published by his grandson, although there is no proof that he had any positive authority for adopting it. — Editor.
RIVALSHIP IN ALMANAC-MAKING.
Courteous Reader, This is the ninth year of my endeavours to serve thee in the capacity of a calendar-writer. The encouragement I have met with must be ascribed, in a great measure, to your charity, excited by the open, honest declaration I made of my poverty at my first appearance. This my brother Philomaths could, without being conjurers, discover; and Poor Richard's success has produced ye a Poor Will, and a Poor Robin; and no doubt Poor John, &c. will follow, and we shall all be, in name, what some folks say we are already in fact, a parcel of poor almanac-makers. During the course of these nine years, what buffetings have I not sustained! The fraternity have been all in arms. Honest Titan, deceased, was raised, and made to abuse his old friend. Both authors and printers were angry. Hard names, and many, were bestowed on me. They denied me to be the author of my own works; declared there never was any such person; asserted that I was dead sixty years ago; prognosticated my death to happen within a twelvemonth; with many other malicious inconsistencies, the effects of blind passion, envy at my success, and a vain hope of depriving me, dear reader, of thy wonted countenance and favor. Wlio knows him? they cry; where does he live? But what is that to them? If I delight in a private life, have they any right to drag me out of my retirement? I have good reasons for concealing the place of my abode. It is time for an old man, as I am, to think of preparing for his great remove. The perpetual teasing of both neighbours and strangers to calculate nativities, give judgments on schemes, and erect figures, discover thieves, detect horse-stealers, describe the route of runaways and strayed cattle; the crowd of visiters with a thousand trifling questions, Will my ship return safe? Will my mare win the race? Will her next colt be a pacer? When will my wife die? Who shall be my husband? and HOW LOJYG first? When is the best time to cut hair, trim cocks, or sow sallad? these and the like impertinences I have now neither taste nor leisure for. I have had enough of them. All that these angry folks can say, will never provoke me to tell them where I live; I would eat my nails first.
My last adversary is J. J n, Philomat., who declares and protests (in his preface, 1741), that the false prophecy put in my Mmanac, concerning him, the year before, is altogether false and untrue, and that I am one of Baal's false prophets. This false, false prophecy he speaks of related to his reconciliation with the church of Rome; which, notwithstanding his declaring and protesting, is, I fear, too true. Two things in his elegiac verses confirm me in this suspicion. He calls the first of November All-Hallows Day. Reader, does not this smell of Popery? Does it in the least savour of the pure language of Friends? But the plainest thing is his adoration of saints, which he confesses to be his practice, in these words, page 4,
"When any trouble did me befall,
Did he think the whole world were so stupid as not to take notice of this 1 So ignorant as not to know, that all Catholics pay the highest regard to the Virgin Mary? Ah, friend John, we must allow you to be a poet, but you are certainly no Protestant. I could heartily wish your religion were as good as your verses.
* Some parts of this humorous Piece will be explained by the following address, contained in Poor Richard's Mmanac for the year 1736. "lovi.ng Readers,
"Your kind acceptance of my former labors has encouraged me to continue writing, though the general approbation you have been so good as to favor me with has excited the envy of some, and drawn upon me the malice of others. These ill-willers of mine, despited at the great reputation I gained by exactly predicting another man's death, have endeavoured to deprive me of it all at once in the most effectual manner, by reporting that I myself was never alive. They say in short, That there is no such man as I am; and have spread this notion so thoroughly in the country, that I have been frequently told it to my face by those that don't know me. This is not civil treatment, to endeavour to deprive me of my very being, and reduce me to a nonentity in the opinion of the public. But so long as I know myself to walk about, eat, drink, and sleep, I am satisfied that there is really such a man as I am, whatever they may say to the contrary. And the world may be satisfied likewise; for if there were no such man as I am, how is it possible I should appear publicly to hundreds of people, as I have done for several years past, in print? I need not, indeed, have taken any notice of so idle a report, if it had not been for the sake of my printer, to whom my enemies are pleased to ascribe my productions; and who, it seems, is as unwilling to father my offspring, as I am to lose the credit of it. Therefore to clear him entirely, as well as to vindicate my own honor, I make this public and serious declaration, which I desire may be believed, to wit, that what I hare written heretofore, and do now write, neither was nor is written by any other man or men, person or persons, whatsoever. Those who are not satislied with this, must needs be very unreasonable.
u My performance for this year follows. It submits itself, kind reader, to thy censure, but hopes for thy candor to forgive its faults. It devotes
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