Hints For Those That Would Be Rich
The Use of Money is all the Advantage there is in having Money. For ￡6 a Year you may have the Use of ￡100 if you are a Man of known Prudence and Honesty.
He that spends a Grout a day idly, spends idly above ￡6 a year, which is the Price of using ￡100.
He that wastes idly a Grout's worth of his Time per Day, one Day with another, wastes the Privilege of using ￡100 each day.
He that idly loses 5 Grouts’worth of time, loses 5 Grouts. and might as prudently throw 5 Grouts. in the River.
He that loses 5 Grouts. not only loses that Sum, but all the Advantage that might be made by turning it in Dealing, which, by the time that a young Man becomes old, amounts to a comfortable Bag 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 likely 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 the Use of it.
Consider then when you are tempted to buy any unnecessary Household stuff, or any superfluous thing, Whether you will be willing to pay Interest, and interest upon Interest for it as long as you live; and more if it grows worse by using.
Yet, in buying goods, it is best to pay Ready Money, because, He that sells upon Credit, expects to lose 5 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 is a Grout a Year.
致富之道
有钱的唯一好处就在于用钱。 如果你是一个节俭而诚实的人，一年六英镑就可以当一百英镑的钱使用。
一天消费四便士的人，一年就消费六个多英镑，而六英镑相当于一百英镑的使用价值。
每天虚度值一便士的时间的人，日复一日，等于消费了每天使用一百英镑的权利。
一个游手好闲而损失了价值五先令时间的人，就是失去了五个先令，他还不如把五先令扔进河里的好。
一个失去五先令的人，不仅失去了那笔钱，还失去了把钱用于经商可能带来的好处，而一个年轻人到年老的时候这笔钱就会等于一笔可观的财产。
还有，一个赊帐出售物品的人，对他所售货物要求的价格相当于货物的本钱加上他暂时不能利用的那笔钱的利息。因此，一个赊帐购买的人，要为他所买的货物支付利息。而一个用现金购买的人，如果不买的话，是可以把那笔钱借给别人使用的。所以，一个拥有任何买来的东西的人，都要为使用这东西而支付利息。
当你感到一种引诱，想要买任何并不急需的家用品，或任何不必要的东西的时候，你就要好好考虑一下，你是否愿意为它支付利息，并且终身为它利上加利；如果这东西是会用坏的，那末还要付得更多。
然而，在买东西时，最好还是付现金，因为赊帐售物的人，估计由于吃倒帐会损失百分之五，所以把赊售的所有货物都要加码，以弥补这笔损失。
那些赊帐购物的人，得支付他们所应分担的这笔加码的价款。
而用现金购物的人，则不需或可能不需支付这笔钱。
省下的一便士是不折不扣的两便士，
每天节约一丁点儿一年就是一大笔。 |