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■way an hour." Leisure is time for doing something useful; this leisure the diligent man will obtain, but the lazy man never; so that, as poor Richard says, "A life of leisure and a life of laziness are two things." Do you imagine that sloth will afford you more comfort than labour? no; for, as poor Richard says, "Troubles spring from idleness, and grievous toil from needless ease; many without labour would live by their own wits only; but they break for want of stock:" whereas industry gives comfort, and plenty, and respect. "Fly pleasures, and they will follow you; the diligent spinner has a large shift; and, now I have a sheep and a cow, every body bids me good-morrow;" all which is well said by poor Richard. But with our industry, we must likewise be steady, settled, and careful, and oversee our own affairs with our own eyes, and not trust too much to others; for, as poor Richard says,

"I never saw an oft removed tree, nor yet an oft-removed family, that throve so well as those who settl'd be." And again, "Three removes are as bad as a fire;" and again, " Keep thy shop, and thy shop will keep thee; and again, "If you would have your business * done, go; if not send." And again,

"He who by the plough would thrive, himself must either hold or drive." And again, "The eye of a master will do more work than both his hands;" and again, "Want of care does us more damagethan want of knowledge; and again, "Not to oversee workmen, is to leave them your purse open." Trusting too much to others' care, is the ruin of many: for, as the Almanack says, "In the affairs of the world, men are saved not ty faith, but by the want of it;" but a man's own care is profitable; for, saith poor Dick, "Learning is to the studious, and riches to the careful, as well as power to the bold, and heaven to the virtuous." And further, "If you would have a faithful servant, and one that you like, serve yourself." And again, he adviseth to circumspection and care, even in the smallest matters, because "sometimesa little neglect may breed great mischief;" adding, "For want of a nail the shoe was lost; for want of a shoe the horse was lost; and for want of a horse the rider was lost;" being overtaken and slain by the enemy, all for want of care about a horse-shoe nail. So much for

industry, my friends, and attention to one's own business; but to these we must add frugality, if we would make our industry more certainly successful. A man may, if he knows not how to save as he gets, "keep his nose all his life to the grindstone, and die not worth a groat at last." "A fat kitchen makes a lean will," as poor Richard says; and, "Many estates are spent in the getting; since women for tea, forsook spinning and knitting, and men for punch forsook hewing and splitting." "If you would be wealthy," says he, in another almanack, "think of saving, as well as of getting: the Indies have not made Spain rich, because her outgoings are greater than her incomings." Away then with your expensive follies, and you will not have much cause to complain of hard times, heavy taxes, and chargeable families; for, as poor Dick says,

"Woman and wine, game and deceit, make the wealth small, and the want great." And further, "What mantains one vice, would bring tip two children." You may think, perhaps, that a little tea, or a little punch now and then, diet a little more costly, clothes a little finer, and a little entertainment now and then, can be no great matter; but remember what poor Richard says, "Many a little makes a meikle;" and further, " Beware of little expenses; a small leak will sink a great ship;" and again, "Who dainties love, shall beggars prove;" and moreover, "Fools make feasts, and wise men eat them." Here you are all got together at this

sale of fineries and nicknacks. You call them goods; but if you do- not take care, they will prove evils to some of you. You expect they will be sold cheap, and perhaps they may, for less thaq they cost; but if you have no occasion for them, they must be dear to you. Remember what poor Richard says, "Buy .what thou hast no need of, and ere long thou shalt sell they necessaries." And again, "At a great pennyworth pause a while." He means, that perhaps the cheapness is apparent only, and not real; or the bargain, by straitening thee in thy business, may do thee more harm than good. For in another place he says, "Many have been ruined by buying good pennyworths." Again poor Richard says, "It is foolish to lay out money in a purchase of repentance;" and yet this folly is practised every day at auctions, for want of minding the almanack. "Wise men (as poor Dick says) learn by others harms, fools scarcely by their own; but happy are they who learn prudence from the misfortunes of others." Many a one, for the sake of finery on the back have gone with a hungry belly, and half starved their families: "Silks and sattins, scarlets and velvets (as poor Richard says) put •ut the kitchen fire." These are not the necessaries of life; they can scarcely be called the conveniences; and yetonly because they look pretty, how many want to have them? The artificial wants of mankind thus become more numerous than the natural; and, as poor Dick says, "For one poor person there are a hundred indigent." By these, and other extravagancies, the genteel are reduced to poverty, and forced to borrow of those whom they formerly despised, but who, through industry and frugality, have maintained their standing; in which case, it appears plainly, "A ploughman on his legs is higher than a gentleman on his knees," as poor Richard says. Perhaps they have had a small estate left them, which they knew not the getting of; they think "It is day, and will never be night;" that a little to be spent out of so much, is not worth heeding: "A child and a fool (as poor Richard says) imagine twenty shillings and twenty years can never be spent; but always by taking out of the meal-tub, and never putting in, you soon come to the bottom;" then, as poor Dick says, "When the well is dry, they know the worth of water." But this they might have known before, if they had taken his advice: "If you would know the value of money, go and try to borrow some; for he who goes a borrowing goes a sorrowing; and, indeed, so does he who lends to such people, when he goes to get it in again." Poor Dick farther advises, and says,

"Fond pride of dress is sure a very curse;

ere fancy you consult, consult your purse." And again, "Pride is as loud a beggar as Want, and a great deal more saucy." When you have bought one fine thing, you must buy ten more, that yourappaararice may be all of a piece; but poor Dick says, "It is easier to suppress the first desire, than to satisfy all that follow it." And it is as truly folly for the poor to ape the rich, as for the frog to swell, in order to equal the ox.

"Vessels large may venture more, but little boats should keep near shore." Tis, however, a folly soon punished; for "Pride that dines on vanity, sups on contempt," as poor Richard says. And in another place, " Pride breakfasted with Plenty, dined with Poverty, and supped with Infamy." And, after all, of what use is this pride of appearance, for which so much is risked, so much is suffered? It cannot promote health, or ease pain, it makes no increase of merit in the person; it creates envy; it hastens misfortune.

"What is a butterfly? at best

he's but a caterpillar drest;

the gaudy fop's his picture just," as poor Richard says. But what madness'

must it be to run in debt for these superfluities t We are offered by the terms of this sale six months' credit; and that perhaps has induced some of us to attend it, because we cannot spare the ready money, and hope now to be fine without it. But, ah! think what you do when you run in debt. You give to another power over your liberty. If you cannot pay at the time, you will be ashamed to see your creditor: you will be in fear when you speak to him; you will make poor, pitiful, sneaking excuses, and, by degrees, come to lose your veracity, and sink into base downright lying; for, as poor Richard says, "The second vice is lying; the first is running in debt." And again, to the same purpose, "Lying rides, upon Debt's back; whereas a free-born English

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