Do not make fun of pennies and dimes as unimportant. Instead of saying, “It is only a penny,” say “It is a whole penny.” Strive to learn economical buying. No one has enough money to say that cost is of no account. Get the very best for your money. Don’t buy blindly without inquiring the price, and always remember that a penny or a dime in your pocket is just as much at home as in that of the merchant. Do not ride when you can walk. You need exercise and walking is the best and cheapest method, much cheaper and better than the bowling alley. Don’t buy two pounds of meat when one pound will do; nor a bushel when a peck is sufficient. The first fruits and vegetables of the season are expensive; wait a few days and they will be cheaper and more mature. _Quick Sales and Small Profits_ Our modern system of transacting business has so materially changed from what it was a decade or so ago, that a special training is required to make a success. Theoretically, the difference between the cost price and the selling price represents profit. But it often represents loss. If goods could be delivered at your place of business at the invoice or purchase price, the selling price might cover some profit. But complications begin as soon as you have made a purchase. There is transportation, insurance, demurrage, haulage, rent, light, heat, clerk hire, taxes, and perhaps license fees, to be added to the burden of the cost price. With such, and so many additional charges, how can there be any profit, if the goods are sold customers at a fair price that will attract them? There is only one way to cover possible loss and that is in getting rid of the goods at a small profit. If you do not, depreciation enters the field to compete with the other troubles, and with handling, dust, mussing, etc., you will have to put up a sign “Selling below cost,” or “Bargain Sale.” A quick turn is the best turn in business, and to hold on to a price until you get a fixed profit you have determined on, is like refusing a good job because the wages or salary is lower than you have calculated upon getting. The opportunity slips away. A landlord demands a certain rent for his premises and he will not come down a dollar a month. So his property is untenanted for a long time, and he loses in pocket although eventually he gets his price. Make quick turns at small profits and repeat often. Nickel car fares are making the car companies multi-millionaires. _The Early Bird Gets the Worm_ This is a saying that contains a large load of philosophy. There is always a worm around for an early bird to pick up for breakfast. Of course it is very foolish for the worm to come out, but that is the way things are in this world. What you have to do is to play the part of the bird by getting there first. To carry out the idea, remember that you are not the only bird after the foolish worm.