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Remember this saying, "The good pay-master 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 fru gality, 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 see you at a billiard-table, or hear your voice at a tavern, when you should be at work, he sends for his money the next day; demands it before he can receive it in a lump.

It shews, 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 inconveniences.

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 everything. 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, do not, in his wise providence, otherwise determine.

AN OLD TRADESMAN.

No. 6.

NECESSARY HINTS TO THOSE THAT WOULD BE RICH.

Written anno 1736.

THE use of money is all the advantage there is in having

money.

For six pounds a-year you may have the use of one hundred pounds, provided you are a man of known prudence and honesty.

He that spends a groat a-day idly, spends idly above six pounds a-year, which is the price for the use of one hundred pounds.

He that wastes idly a groat's worth of his time per day, one day with another, wastes the privilege of using one hundred pounds each day.

He that idly loses five shillings worth of time, loses five shillings, and might as prudently throw five shillings into

the sea.

He that loses five shillings, not only loses that sum, but all the advantages that might be made by turning it in dealing; which, by the time that a young man becomes old, will amount to a considerable sum of money.

Again; he that sells upon credit, asks a price for what he sells equivalent to the principal and interest of his money for the time he is to be kept out of it; therefore, he that buys upon credit, pays interest for what he buys; and he that pays ready money, might let that money out to use; so that he that possesses anything he has bought, pays interest for the use of it.

Yet, in buying goods, it is best to pay ready money, because, he that sells upon credit, expects to lose five per cent. by bad debts; therefore he charges, on all he sells upon credit, an advance that shall make up that deficiency.

Those who pay for what they buy upon credit, pay their share of this advance.

He that pays ready money, escapes, or may escape that charge.

A penuy sav'd is two-pence clear,

A pin a-day's a groat a year.

No. 7..

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

Secondly, Spend one penny less than thy clear gains.

Then shall thy hide-bound pocket soon begin to thrive, and will never again cry with the empty belly-ach: neither will creditors insult thee, nor want oppress, nor hunger bite, nor nakedness freeze thee. The whole hemisphere will shine 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 sons of fortune walk at thy right hand: for independency, whether with little or much, is good fortune, and places 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.

No. X.

POLITICAL FRAGMENTS.

No. 1.

AN ACCOUNT OF THE HIGHEST COURT OF JUDICATURE IN PENNSYLVANIA, VIZ.,

THE COURT OF THE PRESS.

Power of this court.

Ir may receive and promulgate accusations of all kinds, against all persons and characters among the citizens of the state, and against all inferior courts and may judge, sentence, and condemn to infamy, not only private individuals, but public bodies, &c., with or without inquiry or hearing, at the court's discretion.

Whose favour, or for whose emolument this court is

established.

In favour of about one citizen in five hundred, who, by education, or practice in scribbling, has acquired a tolerable style as to grammar and construction, so as to bear printing; or who is possessed of a press and a few types. This fivehundredth part of the citizens have the liberty of accusing and abusing the other four-hundred and ninety-nine parts at their pleasure; or they may hire out their pens and press to others for that purpose.

Practice of this court.

It is not governed by any of the rules of the common courts of law. The accused is allowed no grand jury to judge of the truth of the accusation before it is publicly made; nor is the name of the accuser made known to him, nor has he an opportunity of confronting the witnesses against him, for they are kept in the dark, as in the Spanish court of inquisition. Nor is there any petty jury of his peers sworn to try the truth of the charges. The proceedngs are also sometimes so rapid, that an honest good citizen may find himself suddenly and unexpectedly accused, and in the same moment judged and condemned, and sentence pronounced against him that he is a rogue and a villain. Yet

if an officer of this court receive the slightest check for misconduct in this his office, he claims the rights of a free citizen by the constitution, and demands to know his accuser, to confront the witnesses, and have a fair trial by the jury of his peers.

The foundation of its authority.

It is said to be founded on an article in the state constitution, which establishes the liberty of the press-a liberty which every Pennsylvanian would fight and die for, though few of us, I believe, have distinct ideas of its nature and extent. It seems, indeed, somewhat like the liberty of the press, that felons have by the common law of England before conviction; that is, to be either pressed to death or hanged. If by the liberty of the press, we understand merely the liberty of discussing the propriety of public measures and political opinions, let us have as much of it as you please; but, if it means the liberty of affronting, calumniating, and defaming one another, I, for my part, own myself willing to part with my share of it whenever our legislators shall please to alter the law; and shall cheerfully consent to exchange my liberty of abusing others, for the privilege of not being abused myself.

By whom this court is commissioned or constituted.

It is not by any commission from the supreme executive council, who might previously judge of the abilities, integrity, knowledge, &c. of the persons to be appointed to this great trust, of deciding upon the characters and good fame of the citizens: for this court is above that council, and may accuse, judge, and condemn it at pleasure. Nor is it hereditary, as is the court of dernier resort in the peerage of England. But any man who can procure pen, ink, and paper, with a press, a few types, and a huge pair of blacking balls, may commissionate himself, and his court is immediately established in the plenary possession and exercise of its rights; for if you make the least complaint of the judge's conduct, he daubs his blacking balls in your face wherever he meets you; and besides tearing your private character to splinters, marks you out for the odium of the public, as an enemy to the liberty of the press.

Of the natural support of this court.

Its support is founded in the depravity of such minds as have not been mended by religion, nor improved by good education.

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