be steady, settled and
careful, and oversee our own affairs with our own eyes, and not trust
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 that settled be.

And again--Three removes 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 that 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 damage than 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, in the
affairs of this world, men are saved, not by faith, but by the want
of it. But a man's own care is profitable; for if you would have a
faithful servant, and one that you like, serve yourself. A little
neglect may cause great mischief; For want of a nail the shoe was
lost; for want of a shoe the horse was lost; for want of a horse the
rider was lost, being overtaken and slain by the enemy--all for want
of a little care about a horse-shoe nail.

"'III. 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 to the grindstone all his life, and
die not worth a groat at last. A fat kitchen makes a lean will; 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, think of saving as well as of getting. The
Indies have not made Spain rich, because her outgoes are greater than
her incomes.

"'Away, then, with your expensive follies, and you will not then have
so much cause to complain of hard times, heavy taxes, and chargeable
families; for

"'Women and wine, game and deceit,
Make the wealth small and the want great.

"'And further--What maintains one vice would bring up 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--
Many a little makes a nickel. Beware of little expenses--A small leak
will sink a