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 year. 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 advantages that might be made by turning it in dealing; which, by the time that a young man becomes old, will amount to a considerable sum of money. Again; he that sells upon credit, asks a price for what he sells equivalent to the principal and interest of his money for the time he is to be kept out of it; therefore, he that buys upon credit, pays interest for what he buys; and he that pays ready money, might let that money out to use; so that he that possesses any thing he has bought, pays interest for the use of it. Yet, in buying goods, it is best to pay ready money, because, he that sells upon credit, expects to lose five per cent. by bad debts; therefore he charges, on all he sells upon credit, an advance that shall make up that deficiency. Those who pay for what they buy upon credit, pay their share of this advance. He that pays ready money, escapes, or may escape, that charge. A penny saved is twopence clear; A pin a day's a groat a year. PAPER. A POEM. Some wits of old,--such wits of old there were,-- Whose hints showed meaning, whose allusions care, By one brave stroke to mark all human kind, Called clear blank paper every infant mind; When still, as opening sense her dictates wrote, Fair Virtue put a seal, or Vice a blot. The thought was happy, pertinent and true; Methinks a genius might the plan pursue. I (can you pardon my presumption?) I-- No wit, no genius, yet for once will try. Various the papers various wants produce, The wants of fashion, elegance and use. Men are as various; and if right I scan, Each sort of _paper_ represents some _man_. Pray note the fop--half powder and half lace-- Nice as a band-box were his dwelling-place: He's the _gilt-paper_, which apart you store, And lock from vulgar hands in the 'scrutoire. Mechanics, servants, farmers, and so forth, Are _copy-paper_, of inferior worth; Less prized, more useful, for your desk decreed, Free to all pens, and prompt at every need. The wretch whom av'rice bids to pinch and spare, Starve, cheat, and pilfer, to enrich an heir, Is coarse _brown-paper_; such as pedlers choose To wrap up wares, which better men will use. Take next the miser's contrast, who destroys Health, fame, and fortune, in a round of joys. Will any paper match him? Yes, throughout He's a true _sinking-paper_, past all doubt.