The Complete Works in Philosophy, Politics and Morals of the late Dr. Benjamin Franklin, Vol. 3 [of 3]

By Benjamin Franklin

Page 315

any time, and on any occasion, raise all the money
his friends can spare. This is sometimes of great use. After industry
and frugality, 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 sees you at a billiard-table, or hears 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 shows, 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 expences 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 expences mount up to large sums, and
will discern what might have been, and may for the future be saved,
without occasioning any great inconvenience.

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 every thing. He, that gets all he can honestly, and saves
all he gets (necessary expences excepted), will certainly become
_rich_--if that Being who governs the world, to whom all should look
for a blessing on their honest endeavours, doth not, in his wise
providence, otherwise determine.



[176] This paper and the hints that follow it are from the
Repository, vol. II. p. 169 and 171, where, as they are placed under
the head of original articles, we presume they first appeared.

_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

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Text Comparison with Franklin's Way to Wealth; or, "Poor Richard Improved"

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bound_, THE PAGAN MYTHOLOGY of ancient Greece and Rome versified, accompanied with Philosophical Elucidations of the probable latent meaning of some of the Fables of the Ancients, on a theory entirely new.
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half bound 1 0 Wonders of the Horse, recorded in Anecdotes, Prose and Verse, by Joseph Taylor 2 6 Tales of the Robin & other Small Birds, in Verse, by Joseph Taylor 2 6 Instructive Conversation Cards, consisting .
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"--If you were a servant, would you not be ashamed that a good master should catch you idle? Are you then your own master? be ashamed to catch yourself idle, when there is so much to be done for yourself, your family, your country, and your king.
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" And again, "At a great pennyworth pause a while:" he means, that perhaps the cheapness is apparent only, and not real; or the bargain, by straitening thee in thy business, may do thee more harm than good.
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consult, consult your purse.
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Remember, Job suffered, and was afterwards prosperous.
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The people heard it, and approved the doctrine, and immediately practised the contrary, just as if it had been a common sermon; for the auction opened, and they began to buy extravagantly.