ON THE MAXACKMKXT OF MOXEY. 9$ 



Savings ; nothing else. Neither nations nor men are safe against fortunes 

 unless they can hit on a system by which they save more than they spend. 

 When that system is once established, at what a ratio capital accumulates I 

 What resources the system gradually develops ! In that one maxim is the 

 secret of England's greatness ! Do you think it mean to save more than 

 you spend ? You do in that what alone gives your country its rank in 

 the universe. The system so grand for an empire can not be mean for a, 

 citizen. 



Well, we have now added another rule to the canons prescribed to the 

 Management of Money: save more than you spend. Whatever your 

 means be, so apportion your wants that your means may exceed them. 



ry man who earns but ten shillings a week can do this if he pit 

 whatever he may say to the contrary ; for if he can live upon ten shil- 

 ling a week, he can live upon nine and elevenpence. 



In this rule mark the emphatic distinction between poverty and needi- 

 ness. Poverty is relative, and therefore not ignoble ; Neediness is a 

 live degradation. If I have only 100 a year, I am rich as compared 

 with the majority of my countrymen. If I have 5000 a year, I may be 

 poor as compared with the majority of my associates, and very poor com- 

 pared to my next-door neighbour. With either of these incomes I am 

 relatively poor or rich ; but with either of these incomes I may be posi- 

 tively needy, or positively free from neediness. With the 100 a year I 

 may need no man's help; I may at least have " my crust of bread ami 

 HKorty." But with 5000 a year I may dread a ring at my bell; I may 

 have my tyrannical masters in servants whose wages I can not pay ; mv 

 exile may be at the fiat of the first long-suffering man who enter 

 judgment against me; for the iiesh that lies nearest to my heart BO 

 Shyluck may be dusting his scales and whetting his knife. Nor is this 

 an c aion. Some of the neediest men I ever knew have a nominal 



i. Every man is nee.<ly who spends more than he has; m. 

 man is n- ( -ly who spends 1688, I may so ill manage my money that, with 

 ir, I purchase the worst evils of poverty terror anl sham. : I 

 may BO well mana--- my mnm-y that, with 100 a year, I purchase 



* 1th -safety ami respect, Alan i* a kindly animal. 

 liich does not enslave him. it U not lal.uiir which ma] 

 him less loyally lonl of himself-- it is fear. 



I t-Ht qui niftuit iiihil, 

 00 rtvnuin sil.i nui-nue det." 



Mon iaracter money also is power. 1 have p..wer not in ]>n>] 



i to the i and M myself, but in proportion tu tin- money 



