ay, and as the money accumulated I bought books--the books
you see there." "Do you mean to say that those books cost no more than
that? Why there are dollars' worth of them." "Yes, I know there are. I
had six years more of my apprenticeship to serve when you persuaded me
to 'be a man.' I put by the money I have told you of, which of course at
five cents a day amounted to $18.25 a year or $109.50 in six years. I
keep those books by themselves, as a result of my apprenticeship
cigar-money; and if you'd done as I did, you would by this time have
saved many, many more dollars than that, and been in business besides."

If a man will begin at the age of twenty and lay by twenty-six cents
every working day, investing at 7 per cent. compound interest, he will
have thirty-two thousand dollars when he is seventy years old. Twenty
cents a day is no unusual expenditure for beer or cigars, yet in fifty
years it would easily amount to twenty thousand dollars. Even a saving
of one dollar a week from the date of one's majority would give him one
thousand dollars for each of the last ten of the allotted years of life.
"What maintains one vice would bring up two children."

Who does not feel honored by his relationship to Dr. Franklin, whether
as a townsman or a countryman, or even as belonging to the same race?
Who does not feel a sort of personal complacency in that frugality of
his youth which laid the foundation for so much competence and
generosity in his mature age; in that wise discrimination of his
outlays, which held the culture of the soul in absolute supremacy over
the pleasures of the sense; and in that consummate mastership of the
great art of living, which has carried his practical wisdom into every
cottage in Christendom, and made his name immortal? And yet, how few
there are among us who would not disparage, nay, ridicule and contemn a
young man who should follow Franklin's example.

Washington examined the minutest expenditures of his family, even when
President of the United States. He understood that without economy none
can be rich, and with it none need be poor.

Napoleon examined his domestic bills himself, detected overcharges and
errors.

Unfortunately Congress can pass no law that will remedy the vice of
living beyond one's means.

"We are ruined," says Colton, "not by what we really want, but by what
we think we do. Therefore never go abroad in search of your wants; if
they be real wants, they will come ho