have a sheep and a cow,
Everybody bids me good morrow.

All which is well said by Poor Richard. But with our industry we must
likewise be steady, settled, and careful, and oversee our own affairs
_with our own eyes_, and not trust too much to others; for, as Poor
Richard says,

I never saw an oft removed tree,
Nor yet an oft removed family,
That throve so well as those that settled be.

And again, _Three removes are as bad as a fire_; and again, _Keep thy
shop, and thy shop will keep thee_; and again, _If you would have your
business done, go; if not, send._ And again,

He that by the plough would thrive,
Himself must either hold or drive.

And again, _The eye of the master will do more work than both his
hands_; and again, _Want of care does us more damage than want of
knowledge_; and again, _Not to oversee workmen is to leave them your
purse open._

Trusting too much to others' care is the ruin of many; for, as the
Almanac says, _In the affairs of this world men are saved, not by
faith, but by the want of it_; but a man's own care is profitable; for
saith Poor Dick, _Learning is to the studious and Riches to the
careful_; as well as, _Power to the bold, and Heaven to the virtuous._
And further, _If you would have a faithful servant, and one that you
like, serve yourself._

And again, he adviseth to circumspection and care, even in the smallest
matters; because, sometimes, _A little neglect may breed great
mischief_; adding, _for want of a nail the shoe was lost; for want of a
shoe the horse was lost; and for want of a horse the rider was lost_;
being overtaken and slain by the enemy; all for want of a little care
about a horseshoe nail!

So much for industry, my friends, and attention to one's own business;
but to these we must add frugality, if we would make our industry more
certainly successful. _A man may_, if he knows not how to save as he
gets, _keep his nose all his life to the grindstone, and die not worth
a groat at last. A fat kitchen makes a lean will_, as Poor Richard
says; and

Many estates are spent in the getting,
Since women for tea[3] forsook spinning and knitting,
And men for punch forsook hewing and splitting.

[3] Tea at this time was a costly drink, and was regarded as a
luxury.

If you would be wealthy, says he in another Almanac, _Think of saving
as well as of getting. The Indies have not made Spain rich; because her
outgoes are