“ Money also there are, who having been born to a good estate, have quite undone themselves by marriage, and that after a two fold manner: first by matching themselves without advice of parents or friends, in heat of youth, unto proud, foolish, and light women, that one would better live on small allowance at a distance, than have a full meal at home where he is always trouble with her never ceasing tongue. ”

“ Some again live in perpetual want, being naturally wholly given to idleness: these are the drones of a common-wealth, who deserve not to live. "He that laboureth not, should not eat.—Labour night and day, rather than be burthensome," saith the apostle Paul: both country and city swarm with this kind of people; "The diligent hand, saith Solomon, shall make rich: but the sluggard shall have a scarcity of bread." ”

“ SINCE money is a thing so necessary and so useful, and the want of a competency of it, makes a man so very miserable, rendering him liable to all the scorn and contempt that an ill-natured world can throw upon him; it seems strange so many should want it, especially those that know the worth of it. ”

“ If you have money, you may become one of the Livery-men of London an Assistant, a Warden, or a Master of a Company; but if you want money you will never arrive to the honour of a beadle; for even for such an interior employment you must make friends, and that cannot be done without bribes, nor can you bribe without money.
If you have money, you may be an honest man and a good man; but if you want money, you must be a knave by consequence.
Enquire of a rich man among his neighbours. ”

“ Which is sufficient to show, that the use of money is very ancient, and is made use of by all nations, in trading with each other; and was first invented as a medium in trade, and an equivalent to all sorts of commodities. ”

“ I confess, if we look backward into the better and wiser ages of the world, virtue tho' clothed in rags was more esteemed than the trappings of the gold ass; it is in these last and worst of days that vice has got such an ascendant in the world as to make men think all that are poor are miserable ”

“ And seeing without money a men can have nothing, they must be very miserable that are without it.
Charity. in this last and iron age of the world, is grown so cold, that there is scarce any thing to be got upon that account. If you are cold, charity will not warm you; neither, if you are hungry, will it fill your belly; but if you have money, you may do both. ”

“ The Misery of those that want Money, and are in Debt, &c.
THERE is no wise man that will covet money for itself, but for the use that is to be made of it: for money itself cannot satisfy; and so we are told by the wisest of men. Eccles. v. 10. He that loveth silver shall not be satisfied with silver; nor be that loveth abundance with increase."—In a time of famine. or in a beseiged city, a man may have money enough by him, and yet may want a piece of bread. Money therefore is prized not for itself, but for its use; because, as Solomon also says, "Money answers all things." ”

“ They who would live so as not to want money, must avoid all such idle and needless expences and unnecessary loss of time.
But if the person complaining of the want of money, has been brought up to no trade, then let him consider to what kind of life his genius or natural disposition does most of all incline him. ”

“ Never spend presently, in hopes of gaining for the future: wise merchants, while their goods are at sea, do not increase their expences on land but fearing the worst, secure what they have already in their hands.
8. Never buy but with ready-money; and but where you find things cheap and good rather than for friendship or acquaintance sake; for they perhaps may take it unkind, if you will not let them cheat you. For you may get experience. if nothing else by going from one shop to another. ”

“ And this is the reason so many husbands travel beyond seas; or at home go from town to town, or from tavern to tavern, to look for company! and in a word, to spend any thing, to live any where, save at home in their own houses, whero they are sure to hear nothing but the brawlings of a scolding woman. ”

“ It is extreme unhappiness to be thus composed of extremes, to be impatient both in plenty and want. And therefore let every man, for the better ordering of his expences, observe the following rules.
1. See that your comings in be more than your payings out; for unless this be minded, a man may waste away his substance to nothing insensibly, If your income exceed your expences but twenty shillings a-year, you are in a thriving condition; but if on the contrary your expences exceed your income, you are in the highway to ruin. ”

“ But these must not be reckoned the common and ordinary ways that make and keep men poor. We know indeed, that by the divine providence, in the body of a common-wealth there must be both poor and rich, even as an human body cannot subsist without hands and feet to labour, and walk about to pro (illegible text) d for the other members; the rich being the belly, which devour all, yet do no part of the work: but the cause of every man's poverty is not one and the same; some are poor by condition and content with their calling, and neither seck nor can work themselves into better condition ”

“ The times in no age was so hard, as to deny industry and ingenuity a livelyhood: and, in a word, rather to be in misery for want of money let a man undertake any vocation and labour, and
Never think the labour coarse
That puts a penny in his purse.
The want of money is a great torment, and often puts men on unlawful shifts to procure it therefore let every one who has got money, be careful to know its worth, for since we are born we must live, and it is hard to live upon a small share of it. And to conclude this chapter, let us be always careful to get, and cautious in spending money ”

“ Be sure not to keep company with drunkards and busy bodies, and all such as are apt to talk much to little purpose; for no man can be provident of his time, that is not prudent in the choice of his company.
4. Beware of idleness, aud fill up all the empty spaces of your time in useful employments: for vice creeps in, when the soul is unemployed, and the body at ease.
5. Avoid the filthy sin of whoredom, which brings the curse of GOD upon men's bodies and estates: "For a whorish woman is a deep ditch, and he that is abhorred of the Lord, shall fall therein." ”

“ The poor man had almost as good been without his money, as to have been under such an obligation; but he was resolved to keep touch with him, though he lived so poorly all the while that he was the scorn of his neighbours and fellow tradesmen, who looked upon him as a poor and consequently a pitiful fellow ”

“ If he cannot find employment in his own country to suit his genius (which can scarcely be supposed in a country such as Great Britain, where arts and science are carried to the greatest perfection, and where a person of any genius, or of little genius, may find employment) let him seek his fortune abroad. He may at once satisfy his curiosity, supply his necessity, and serve his country, by going into the army or navy, and thereby have an opportunity of doing brave actions in the service of his country abroad, and there he may some to advantage both his fortune and family. ”

“ And now this pour man, whose poverty made him the scorn of his neighbours and acquaintances before, became a very good man all on a sudden, insomuch that the city took notice of him, and chose him sheriff the very next year; and the company that before refused to lend him 50l. now chose him their master, and were all his humble servants; and he was applauded and cried up by every one. Here was now a mighty change, and yet the man was the same still; it was money only made the difference. Judge therefore whether want of money be not an extraordinary misery and a great unhappiness. ”

“ Avoid the company of all vicious persons, whatsoever, as much as you can; for no vice is alone, and all are infectious: Especially avoid all such persons as are scandalous, either for profession or manners, for you run his hazard, and espouse his disreputation ”

“ New Method for ordering Expences.
IT is very hard for an open and easy nature to keep within the compass of his fortune; either shame to be observed behind others, or else a vain-glorious itching to out do them leaks away till the vessel be low or empty; so that nothing involves a man in more unhappiness than a heedless letting go, in an imprudence of mispending ”

“ ASSURE yourself there can be no honest thriving without the fear of GOD. and the exercise use of a good conscience: and therefore, above all things, disengage yourself from that business and those diversions that stand in conpetition with that godly fear, that ought to be a guide to you in all your actions. ”

“ Bnt before I leave this subject, of shewing the misery of wanting money, it is necessary I should say something of the misery of borrowing money, or running in debt, which is a consequent of wanting money: for he that does not want, has no occasion to borrow, and is, in that respect happy; for being out of debt, he is out of danger, and therefore needs not seek for by-ways, to avoid his creditors. but can walk in the open streets without fear, and whet his knife even at the gates of the prison. ”

“ But if a man has not a mind to purchase land with his penny, he may turn to several other ways to still greater advantage (illegible text) trade and commerce.
But there is more required in the art of thriving and turning the penny to advantage, than m (illegible text) men imagine: it is true, diligence is good. and industry is good, and frugality is good; but man can never thrive. ”

“ For it wresteth and maketh crooked the best natures; which are forced by their necessities, to do those things which they blush to think of, while they are doing them: such as borrowing, and not being able to pay; to speak untruths. to cover and disguise their poverty: to deceive, and sometimes to cheat their nearest relations. And all because when they are in want, they are scorned, and despised, and perhaps disowned by them. ”

“ Others come to want and misery, by spending their fair estates in ways of vicious living, as of drink and women; for Bacchus and Venus are inseparable companions; and he that is familiar with the one, is never a stranger to the other. ”

“ And indeed, unless we are under the influence of a blessing from heaven, all our own endeavours how strenuous soever they may be, will never make us thrive: for as the royal Plalmist excellently observes, "Except the Lord build the house they labour in vain that build it. ”

“ However, picking up a little eredit at one place, and a little at another, he addressed himself to the company he was free of, and would fain have borrowed 50l. of them; but truly they would not lend it him, but upon such sceurity as he could not proeure; in this extremity having put himself into a shop he goes again to his uncle, to desire him to lend nim a little money, telling him he had set up in trade, and was got into a shop, but wanted money to carry on his business, and desired him to lend him a little. His uncle finding he was getting into a way. out of his generosity lends him 20l. ”