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But this was a single instance; and we may almost venture to write Miracle upon it. Are there not numbers of both sexes among our young gentry, in this degenerate age, whose lives thus run to utter waste, without the least tendency to usefulness?

When I meet with persons of such a worthless character as this, it brings to my mind some scraps of Horace:

"Nos numerus sumus, et fruges consumere nati.
-Alcinoique juventus,

Cui pulchrum fuit iu medios dormire dies," &c.


There are a number of us creep
Into this world, to eat and sleep;
And know no reason why they're born,
But merely to consume the corn,
Devour the cattle, fowl, and fish,
And leave behind an empty dish:
Tho' crows and ravens do the same,
Unlucky birds of hateful name;
Ravens or crows might fill their places,
And swallow corn and eat carcases.
Then if their tomb-stone, when they die,
Ben't taught to flatter and to lie,
There's nothing better will be said,
Than that they've eat up all their bread,
Drank all their drink, and gone to bed.

There are other fragments of that heathen poet, which occur on such occasions; one in the first of his Satires, the other in the last of his Epistles, which seem. to. represent ljfi^QnJy as^ aseas/^ of luxury. .... ,i

"Exacto contentus tempore^ vitae

Cedat uti con viva satur i.

- Lusisti satis, edisti satis atque bibisti;
Tempus abire tibi."

Which may be thus put into English:

Life's but a feast: and when we die.

'' ''t Horace would say, if he were by, '■'

Friend, thou bast eat and drunk enough,

Tis time now to be marching off:Then like a well-fed guest depart,

With' cheerful looks, and ease at heart;,

'Bid all your friends good night, and say, You've done the business of. the day.



To MY Frienp, .^- ^.

As you have deswe4|i£.of-me. kwjite the following hints, which have been of service to,me, and may, if observed, be so to you. • *.''

Remember, that time is money. ' He that can earn ten shillings a-day r^y, his labpr, and goes abroad, or sits idl^ej^hajjjofjtfoaf; 4ay>.though he spends but sixpence during, his diversion^ or idleness, ought not to reckon Mat.the' only expense; he has really spent, or rather thrown away, five ^bjlfymhesidss,,,, ... ...■;•

Remember, that credit is money. If. a, mart Jets his money lie in my.hejidsi.afterat is.due, ha.give& me the interest, or sp muph a$; I, can make of it during that time. This amounts to a cons id (■ nil >le sum where a man has good and large credit, and makes good use of it.

Remember, that money is of the, prpjinc generating nature. Money can beget money, and its.offspring. can, beget more, and so on. Five shillings,turnqdl i§,sj£, turn^d.agajn it is,^ven and three-pence, apd: sp,on till it, becomes, an hundred; ppunds, The. rapre, is, of, it, the more it produces, every, turning, so,that,the priofitsi.rjse quicker and quicker. He that killSp a, breeding sow, destroys all her offspring to the, thousandths gener^ipp. He that murders a crown, destroys all that it might have P#*duqe4i e^en scopes„qf Rounds,

Remember, that six-pounds a-year is but a.groati a-cjay, Fqr, thjs, ljt^le, sinn (which m.a,y; be daily ^astejd, either, in time. orr iwpt :i ise imperceived) a, rnan of credit) maj, on bis qwn security, have the, cqn$tant pqssessiqn,and us&qffan bundre,d|>qun4s. ^pmueh in sjpck, brjskjy turne^fyy.anjndue^riousi mjan, produqes great advantage. . Re^embejr this,.saying, "The, gpp.4, paymaster i§,Jqrd ,of apoth^r,man'^ ;purse." He thatt is kpown, MVRjtyBWcJHalty aftd «*?*% tq;thft.tjinie,he.prfih. npfi^f W- *£< anytime, and- on, any,, oqfiasiAft. raise all the money his friejvdsi can■■■ spare, Thieb i|,somqtimes ctf.grpa.trae,. Aftev:indH*trylandcffugaljjtyrt noting, cqntrib#te&;more to,the, raising of A* yQungrmanvin,%.wor}cMhmp^^

tice 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 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 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 expenses excepted), will certainly become rich—if that Being who governs the world, to whom all should look for a blessing on their honest endeavors, doth not, in his wise providence, otherwise determine. An Old Tradesman.



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 advantage that might be made by

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