"So much for industry, my friends, and attention to one's own business; but to these we must add frugality, if we would make our industry more certainly successful. A man may, if he knows not how to save as he gets, keep his nose to the grindstone all his life, and die not worth a groat at last. 'If you would be wealthy, think of saving as well as of getting.' "Away with your expensive follies, and you will not then have so much cause to complain of hard times, heavy taxes, and chargeable families; for 'what maintains one vice would bring up two children.' Beware of little expenses. 'Many a little makes a mickle'; 'A small leak will sink a great ship.' Here you are all got together at this sale of fineries and knickknacks. You call them goods, but, if you do not take care, they will prove evils to some of you. "You expect they will be sold cheap, and perhaps they may be, for less than cost; but, if you have no occasion for them, they must be dear to you. Remember what Poor Richard says: 'Buy what thou hast no need of, and ere long thou shalt sell thy necessaries.' 'Silks, satins, scarlet, and velvets put out the kitchen fire.' These are not the necessaries of life; they can scarcely be called the conveniences; and yet, only because they look pretty, how many want to have them! "By these and other extravagances, the greatest are reduced to poverty, and forced to borrow of those whom they formerly despised, but who, through industry and frugality, have maintained their standing. 'If you would know the value of money, go and try to borrow some; for he that goes a-borrowing goes a-sorrowing'; and, indeed, so does he that lends to such people, when he goes to get it again. "It is as truly folly for the poor to ape the rich, as for the frog to swell in order to equal the ox. After all, this pride of appearance can not promote health, nor ease pain; it makes no increase of merit in the person; it creates envy; it hastens misfortunes. "But what madness it must be to run in debt for superfluities! Think what you do when you run in debt: you give to another power over your liberty. If you can not pay at the time, you will be ashamed to see your creditor; you will be in fear when you speak to him; you will make poor, pitiful, sneaking excuses, and by degrees come to lose your veracity, and sink into base, downright lying; for 'the second vice is lying, the first is running in debt,' as Poor Richard says; and again, 'Lying rides upon debt's back.' "This doctrine, my friends, is reason and wisdom; but industry, and frugality, and prudence may all be blasted without the blessing of Heaven. Therefore ask that blessing humbly, and be not uncharitable to those that at present seem to want it, but comfort and help them."