f it, and yet have
enough left; as very great fortunes have frequently seduced people to a
ruinous profusion. Fatal mistakes, always repented of, but always too
late! Old Mr. Lowndes, the famous Secretary of the Treasury in the reigns
of King William, Queen Anne, and King George the First, used to
say,--TAKE CARE OF THE PENCE, AND THE POUNDS WILL TAKE CARE OF
THEMSELVES. To this maxim, which he not only preached but practiced, his
two grandsons at this time owe the very considerable fortunes that he
left them.

This holds equally true as to time; and I most earnestly recommend to you
the care of those minutes and quarters of hours, in the course of the
day, which people think too short to deserve their attention; and yet, if
summed up at the end of the year, would amount to a very considerable
portion of time. For example: you are to be at such a place at twelve, by
appointment; you go out at eleven, to make two or three visits first;
those persons are not at home, instead of sauntering away that
intermediate time at a coffeehouse, and possibly alone, return home,
write a letter, beforehand, for the ensuing post, or take up a good book,
I do not mean Descartes, Malebranche, Locke, or Newton, by way of
dipping; but some book of rational amusement and detached pieces, as
Horace, Boileau, Waller, La Bruyere, etc. This will be so much time
saved, and by no means ill employed. Many people lose a great deal of
time by reading: for they read frivolous and idle books, such as the
absurd romances of the two last centuries; where characters, that never
existed, are insipidly displayed, and sentiments that were never felt,
pompously described: the Oriental ravings and extravagances of the
"Arabian Nights," and Mogul tales; or, the new flimsy brochures that now
swarm in France, of fairy tales, 'Reflections sur le coeur et l'esprit,
metaphysique de l'amour, analyse des beaux sentimens', and such sort of
idle frivolous stuff, that nourishes and improves the mind just as much
as whipped cream would the body. Stick to the best established books in
every language; the celebrated poets, historians, orators, or
philosophers. By these means (to use a city metaphor) you will make fifty
PER CENT. Of that time, of which others do not make above three or four,
or probably nothing at all.

Many people lose a great deal of their time by laziness; they loll and
yawn in a great chair, tell themselves that they have not time to begin
anything the