_Industry need not wish, and he that lives upon Hope will die fasting._ _There are no Gains without Pains._ _He that hath a Trade hath an Estate; and he that hath a Calling, hath an Office of Profit and Honor_; but then the _Trade_ must be worked at, and the _Calling_ well followed, or neither the _Estate_ nor the _Office_ will enable us to pay our Taxes. What though you have found no Treasure, nor has any rich Relation left you a Legacy, _Diligence is the Mother of Good-luck_, as _Poor Richard_ says, _and God gives all Things to Industry_. _One To-day is worth two To-morrows_, and farther, _Have you somewhat to do To-morrow, do it To-day_. 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_. Stick to it steadily; and you will see great Effects, for _Constant Dropping wears away Stones_, and by _Diligence and Patience the Mouse ate in two the Cable_; and _Little Strokes fell great Oaks_. Methinks I hear some of you say, _Must a Man afford himself no Leisure_? I will tell thee, my friend, what _Poor Richard_ says, _Employ thy Time well, if thou meanest to gain Leisure; and, since thou art not sure of a Minute, throw not away an Hour_. Leisure, is Time for doing something useful; this Leisure the diligent Man will obtain, but the lazy Man never; so that, as _Poor Richard_ says, _A Life of Leisure and a Life of Laziness are two things_. _Keep thy Shop, and thy Shop will keep thee_; and again, _If you would have your business done, go; if not, send._ If you would have a faithful Servant, and one that you like, serve yourself. _A little Neglect may breed great Mischief:_ adding, _for want of a Nail the Shoe was lost; for want of a Shoe the Horse was lost; and for want of a Horse the Rider was lost, being overtaken and slain by the Enemy; all for the want of Care about a Horse-shoe Nail_. So much for Industry, my Friends, and Attention to one's own Business; but to these we must add _Frugality_. _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 what _Poor Richard_ says, _Many a Little makes a Mickle._ _Beware of little expenses; A small Leak will sink a great Ship_; and again, _Who Dainties love, shall Beggars prove_; and moreover, _Fools make Feasts, and wise Men eat them._ Buy what thou hast no Need of, and ere long thou shalt sell thy Necessaries. If you would know the Value of Money, go and try to borrow some; for, he that goes a borrowing goes a sorrowing. The second Vice is Lying, the first is running in Debt. _Lying rides upon Debt's Back_. Poverty often deprives a Man of all Spirit and Virtue: '_Tis hard for an empty Bag to stand upright_.