ll along the line, so
instead of wiping out that $75.00 debt he had when earning $50.00 a
month, he finds himself $150.00 in debt on his $75.00 salary.

This catching up has a bad influence. It worries the individual; he
does not do his best work.

When you have all your bills paid and a surplus of $500 in the bank,
your head is higher, your chest is broader, your backbone stiffer, and
you have a confidence that helps you take on greater responsibilities.

To be in debt is to be under obligations to your friends, and it kills
off those strong qualities which you naturally possess but which warp
when you are catching up. The man who is catching up cringes instead of
standing erect, he is suppliant instead of dominant. He is disturbed by
little things, and in the meantime the catching up process is tearing
down his nervous system.

Get caught up with your hauling. Whatever your income is, save a
percentage of it. Do not mistake us in thinking that we are preaching
the old sermon of the savings bank, which is, save your pennies and the
dollars will take care of themselves, for our friend Grizzly Pete of
Frozen Dog, Idaho, says: "Save your pennies, the dollars will be blown
in by your heirs."

No man gets rich through mere saving, but it is the training the man
gets in saving the pennies that gives him a good idea of values of
things and shows him the importance of having a reserve.

If the boss is extravagant in little things, the employe multiplies the
extravagance.

If you are always catching up while you are an employe you will always
be catching up while you are boss. If you are always saving and putting
by a reserve while you are an employe, you will be doing the same thing
when you are a boss. The principle is the same. It is merely a question
of figures.

Do not take on financial responsibilities until you see your way clear
to meet the responsibilities, and in addition to meeting them, see to
it that you have made an allowance for good measure.

Catching up calls for double effort and double work.

Anger

In proportion as a man is wise, he controls his anger.

Centuries ago the following truth was written: "Whom the gods would
destroy they first make angry," and in the same era there was also
given us another truth: "A soft answer turneth away wrath."

A man's judgment gets twisted, his ground becomes insecure and his
point of vantage weakens when he becomes angry.

The man who keeps calm