_Remember_, that credit is money; if a man lets his money lie in my hands after it is due, because he has a good opinion of my credit, he gives me the interest, or so much as I can make of the money during that time; this amounts to a very considerable sum, where a man has large credit and also makes a good use of it. _Remember_, that money is of a prolific or multiplying nature; money will produce money, and its offspring will produce more; and so five shillings turned is six, being turned again is seven and three-pence, and so on, till it becomes a hundred pounds; and the more there is of it, the more it will produce on every turning, so that the profits rise quicker and quicker; and he who throws away a crown, destroys all that it might have produced, even some scores of pounds. _Remember_, that six pounds a year is a groat a day, for this little sum (which may be daily wasted either in time or expenses unperceived), if a proper use be made of it, he may, on his own security, have the constant possession and use of a hundred and twenty pounds. So much in stock, briskly turned by an industrious man, will always produce the greatest advantage to the tradesman. Remember this proverb, that the good paymaster is lord of another man’s purse, for he who is known to pay punctually and exactly at the time he promises, may, at any time, and on any occasion, raise all the money his friend can spare. This is sometimes of great use; next to industry and frugality nothing can contribute more to the raising of a man in the world than punctuality in all his dealings. Therefore, never keep borrowed money one single hour beyond the time promised, lest the disappointment should shut up your friend’s purse forever, as the most trifling actions that affect a man’s credit ought always to be avoided. The sound of the hammer at five in the morning, or at nine at night, being heard by a creditor, makes him easy six months longer; but if he sees you at a gaming table, or hears your voice in a tavern, when you should be at work, he sends for his money the very next day and demands it before it is convenient for you to pay him. Beware of thinking all your own that you possess and of living accordingly. This is a mistake that many people of credit fall into; but in order to prevent this, always keep an exact account both of your expenses and also of your daily income and profits. For if you will only just take the trouble at first to enumerate particulars, it will discover unto you how wonderfully trifling expenses mount up to a large sum; by which you will also discern what might have been, and also what may for the future be saved without causing any great inconvenience. In short, the way to obtain riches, if you desire it, is as plain as the way to the market, which depends chiefly on two things, viz.: industry and frugality; and take care that you waste neither time nor money, but daily make use of both; if you take care of the hours and days,