nd splitting."

ii. If you would be wealthy, think of saving as well as of getting.
The Indies have not made Spain rich, because her out-goes are
greater than her in-comes.

iii. Away with your expensive follies, and you will not have so much
cause to complain of hard times, heavy taxes, and chargeable
families.

iv. "What maintains one vice would bring up two children."

v. You may think, perhaps, that a little tea, or superfluities 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, "Many a little makes a mickle."

vi. Beware of little expenses: "A small leak will sink a great
ship," as Poor Richard says; and again, "Who dainties love, shall
beggars prove;" and moreover, "Fools make feasts and wise men eat
them."

vii. Here you are all got together to this sale of fineries and
nick-nacks. 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 than they cost; but if you have no
occasion for them they must be dear to you.

viii. Remember what Poor Richard says, "Buy what thou hast no need
of, and ere long thou shalt sell thy necessaries."

ix. "At a great pennyworth, pause awhile." He means, perhaps, that
the cheapness is apparent only, and not real; or the bargain, by
straightening 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."

x. "It is foolish to lay out money in the purchase of repentance;"
and yet this folly is practised every day at auctions for want of
minding the Almanack.

2612. Cash and Credit.

If you would get rich, don't deal in bill books. Credit is the
"Tempter in a new shape." Buy goods on trust, and you will purchase a
thousand articles that cash would never have dreamed of. A shilling in
the hand looks larger than ten shillings seen through the perspective
of a three months' bill. Cash is practical, while credit takes
horribly to taste and romance. Let cash buy a dinner, and you will
have a beef-steak flanked with onions. Send credit to market, and he
will return with eight pairs of woodcocks and a peck of mushrooms.
Credit believes in diamond pins and champagne suppers. Cas