Look carefully to your expenditures. No matter what comes in, if more goes out, you will always be poor. The art is not in making money, but in keeping it; little expenses, like mice in a barn, when they are many, make great waste. Hair by hair heads get bald; straw by straw the thatch goes off the cottage; and drop by drop the rain comes in the chamber. A barrel is soon empty if the tap leaks but a drop a minute. When you mean to save, begin with your mouth; many thieves pass down the red lane. The ale-jug is a great waste. In all other things keep within compass. Never stretch your legs farther than the blankets will reach, or you will soon take cold. In clothes, choose suitable and lasting stuff, and not tawdry fineries. To be warm is the main thing; never mind looks. A fool may make money, but it needs a wise man to spend it. Remember, it is easier to build two chimneys than to keep one going. If you give all to back and board, there is nothing left for the savings-bank. Fare hard and work hard when you are young, and you will have a chance to rest when you are old. “A successful business man told me there were two things which he learned when he was eighteen, which were ever afterwards of great use to him—namely, ‘Never to lose anything, and never to forget anything.’ An old lawyer sent him with an important paper, with certain instructions what to do with it. ‘But,’ inquired the young man, ‘suppose I lose it; what shall I do then?’ ‘You must not lose it!’ ‘I don’t mean to,’ said the young man; ‘but suppose I should happen to?’ ‘But I say you _must not_ happen to; I shall make no provision for any such occurrence; you must not lose it!’ “This put a new train of thought into the young man’s mind, and he found that if he was determined to do a thing, he could do it. He made such a provision against every contingency, that he never lost anything. He found this equally true about forgetting. If a certain matter of importance was to be remembered, he pinned it down on his mind, fastened it there, and made it stay. He used to say—‘When a man tells me that he forgot to do something, I tell him he might as well have said, ‘I do not care enough about your business to take the trouble to think of it again.’ I once had an intelligent young man in my employment who deemed it sufficient excuse for neglecting any important task to say, ‘I forgot it.’ I told him that would not answer. If he was sufficiently interested, he would be careful to remember. It was because he did not care enough that he forgot it. I drilled him with this truth. He worked for me three years, and during the last of the three he was entirely changed in tins respect. He did not forget a thing. His forgetting, he found, was a lazy and careless habit of the mind, which he cured.”