lawsuits, inseparable from the credit system.

This is by no means intended as a lesson of _stinginess_, nor is it any
part of my purpose to inculcate the plan of _heaping up_ money. But
purchasing with ready money really gives you more money to purchase
with; you can afford to have a greater quantity and variety of
enjoyments. In the town, it will tend to hasten your pace along the
streets, for the temptation at the windows is answered in a moment by
clapping your hand upon your pocket; and the question; 'Do I really
want it?' is sure to recur immediately; because the touch of the money
will put the thought into your mind.

Now supposing you to have a fortune, even beyond your actual wants,
would not the money which you might save in this way, be very well
applied in acts of real benevolence? Can you walk or ride a mile, in
the city or country, or go to half a dozen houses; or in fact can you
open your eyes without seeing some human being, born in the same
country with yourself, and who, on that account alone, has some claim
upon your good wishes and your charity? Can you, if you would, avoid
seeing one person, if no more, to whom even a small portion of your
annual savings would convey gladness of heart? Your own feelings will
suggest the answer.

SECTION VII. _Of entrusting Business to others._

'If you wish to have your business done, go; if not, send.' This is an
old maxim; and one which is no less true than old. Every young man, on
setting out in the world, should make it a rule, never to trust any
thing _of consequence_ to another, which he can, without too much
difficulty, perform himself.

1. Because, let a person have my interest ever so much at heart, I am
sure I regard it _more_ myself.

2. Nothing is more difficult than to know, in all cases, the characters
of those we confide in. How can we expect to understand the characters
of others, when we scarcely know our own? Which of us can know,
positively, that he shall never be guilty of another vice or weakness,
or yield to another temptation, and thus forfeit public confidence?
Who, then, will needlessly trust another, when he can hardly be sure of
himself?

3. No substitute we can employ, can _understand_ our business as well
as ourselves.

4. We can change our measures according to changing circumstances;
which gives us those opportunities of doing things in the best way, of
which another will not feel justified in availing himself.

As for de