要养成勤俭持家的好习惯（2）

    the savings may amount to little, but they may be sufficient to make him independent.

    there is no reason hly-paid  directly from the ranks. if he save it, he  it profitably and usefully.

    thrift of time is equal to thrift of money. franklin said, “time is gold.” if one  many good and noble actions. it may be spent in learning, in study, in art, in science, in literature. time can be economized by system. system is an arrangement to secure certain ends, so that no time may be lost in accomplishing them.

    every business man must be systematic and orderly.

    it is not necessary to shonities. it requires us to deny ourselves, but not to abstain from any proper enjoyment. it provides many honest pleasures, of ance deprive us.

    thrift does not require superior courage, nor superior intellect, nor any superhuman virtue. it merely requires common sense, and the po selfish enjoyments. in fact, thrift is merely common sense in everyday  action. it needs no fervent resolution, but only a little patient self-denial. begin is its device! the more the habit of thrift is practiced, the easier it becomes; and the sooner it compensates the self-denier for the sacrifices  for small es to save anything, and lay it by in a savings bank, s into savings banks, and the other receptacles provided for poor men’s savings. and if some can do this, all may do it under similar circumstances— themselves of any genuine pleasure, or any real enjoyment.

    hoood pay to spend everything upon himself—or, if he has a fly, to spend his s from  by.

    ood salary, has died and left nothing behind him—that he has left his ard it as the most selfish thriftlessness.

    subscriptions may produce something—perhaps nothing; and the ruined remnants of the unhappy fly sink into poverty and destitution.

    yet the merest prudence reat extent, have obviated this result. the curtailment of any sensual and selfish enjoyment—of a glass of beer or a scre for others, instead of  it on himself.

    it is, in fact, the absolute duty of the poorest man to provide, in hoht a degree, for the support of himself and his fly in the season of sickness and helplessness s sufficient to secure them against penury and poverty in their old age. it is not, holy  too freely, and living too highly.

    the majority prefer the enjoyment of pleasure to the practice of self-denial.

    money represents a multitude of objects  much more precious, —and that is independence. in this light it is of great moral importance.

    as a guarantee of independence, the modest and plebeian quality of economy is at once ennobled and raised to the rank of one of the most meritorious of virtues. “never treat money affairs ht use of money, —such as his generosity, benevolence, justice, honesty, and forethought. many of his inate in the bad use of money, —such as greed, miserliness, injustice, extravagance, and improvidence.

    men must prepare in youth and in middle age the means of enjoying old age pleasantly and happily. there can be nothing more distressing than to see an old man reater part of his life in ging for bread, and relying entirely on the commiseration of his neighbors, or upon the bounty of strangers. such a consideration as this should inspire men in early life ination to selves and their flies in later years.</p>

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