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 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,

Second, Spend one penny less than thy clear gains.

Then shall thy hide-bound pocket soon begin to thrive, and shall never again cry with the empty belly-ache; neither will creditors insult thee, nor want oppress, nor hunger bite, nor nakedness freeze thee. The whole hemisphere will shing 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 sors 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!

ADVICE TO A YOUNG TRADESMAN.

Written in the Year 1748.

As you have desired it of me, I write the following hints, which have been of service to me, and may, if observed, be so to you :

Remember that time is money. He that can earn ten shillings a-day by his labour, and goes abroad or sits idle one half of that day, though he spends but sixpence during his diversion or idleness, ought not to reckon that the only expense; he has really spent, or rather thrown away, five shillings besides.

Remember that credit is money. If a man lets his money lie in my hands after it is due, he gives me the interest, or so much as I can make of it, during that time. This amounts to a considerable sum where a man has good and large credit, and makes good use of it.

so on.

Remember that money is of a prolific, generating nature. Money can beget money, and its offspring can beget more, and Five shillings turned is six; turned again it is seven and threepence and so on till it becomes a hundred pounds. The more there is of it, the more it produces every turning, so that the profits rise quicker and quicker. He that kills a breeding sow, destroys all her offspring to the thousand generation. He that murders a crown, destroys all that it might have produced, even scores of pounds.

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

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, and demands it before he can receive it, in a lump.

It shows, besides, 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, 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 expenses 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 plain as the way to market. It depends chiefly on two words, industry and frugality; that is, waste neither time nor money, but make the best use of both. Without industry and frugality nothing will do, and with them every thing. He that gets all he can honestly, and saves all he gets (necessary expenses excepted), will certainly become rich-if that Being who governs the world, to whom all should look for a blessing on their honest endeavours, doth not in his wise providence otherwise determine.

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APHORISMS FOR BUSINESS MEN.

Two of the most precious things on this side the grave are reputation and life; and yet, strange to tell, the most contemptible whisper may deprive us of the first, and the weakest weapon of the second! Be more anxious, therefore, to deserve a good name than to possess it.

"Remember that one broken promise creates twenty doubts; therefore, before you promise, consider what you undertake; and, having undertaken, do not fail to perform. It is far easier to make a promise convenient to yourself, than to make a new arrangement when a promise is once violated."

"Call upon a man of business, upon matters of business, in the hours of business; transact your business; and, when you have done your business, go about your business, that the person called upon may transact his business."

When I hear a man complain of being unfortunate in all his undertakings, I shrewdly suspect him for being weak in the conduct of his affairs.

When you purchase any thing, appear to know your own mind, and act with promptitude; be manly, downright, and quick; the vendor will then see that you know your own business, and will fix his price at once.

There are some persons who never succeed, from being too indolent to undertake any thing; and others who regularly fail, because the instant they find success in their power, they grow indifferent, and give over the attempt. Indolence is a stream that flows slowly on, but undermines the foundation of every virtue.

Every man ought to aim at eminence, not by pulling others down, but by raising himself; and enjoy the pleasures of his own superiority, whether imaginary or real, without interrupting the felicity of others.

A certain amount of opposition is a great help to man. Kites rise against and not with the wind. Even a head wind is better than none. No man ever worked his passage any where in a dead calm. Let no man wax pale, therefore,

because of opposition. Opposition is what he wants, and must have, to be good for any thing. Hardship is the native soil of manhood and self-reliance. He that cannot abide the storm without flinching or quailing, strips himself in the sunshine, and lies down by the wayside to be overlooked and forgotten. He who but braces himself to the struggle when the winds blow, gives up when they have done, and falls asleep in the stillness that follows.

Be not too diffident of thyself; those who are always afraid of falling, do nothing but stumble.

Be punctual. Let there be a time for every thing, and every thing done in its time. In all your engagements let an hour be named, and keep it.

Every man who acquires a fortune by industry, is a treasure to himself and family, and a profit to his country, by adding to the common stock. It becomes a bond which unites him to society.

A company of idle persons can keep each other in counte nance to any extent; while there are few who cannot be made ashamed of idleness, by having before them an example of industry.

TO-MORROW.-The day on which idle men work, and fools give up their folly; and sinners repent and believe, and reform their character and life.

A FIRM YET PLIANT CHARACTER.-Men of this species resemble fountains, whose water-columns a sudden gust of wind may drive aslant, or scatter in spray across the lawn ; but, the violence past, they play upward as truly and as strong

as ever.

Action is really the life, business, and test of the soul; but idleness, as SOUTH says, offers up the soul as a blank to the evil one, for him to write his name upon.

A fool says, "I can't; a wise man says, "I'll try."

Young man, whatever be your calling in life, however humble or however elevated, be in earnest!

It is not our earnings, but our savings, that make us rich. Be like a tree; its extreme branches are flexible, even its lesser boughs are not so stiff as that you cannot any where bend them; but, as for the trunk and the principal branches, do your utmost you cannot break them.

The trials of life are the tests which ascertain how much gold there is in us.