28．Hints For Those That Would Be Rich

28．Hints  For  Those  That  Would  Be  Rich

　　The Use of Money is all the Advantage there is in having Money. For  ￡  6a Year you may have the Use of  ￡  100 if you are a Man of known Prudenceand  Honesty.
He  that  spends  a  Groat  a  day  idly,  spends  idly  above  ￡  6  a  year,  whichis  the  Price  of  using  ￡100.
He  that  wastes  idly  a  Groat's  worth  of  his  Time  per  Day,  one  Day  withanother,  wastes  the  Privilege  of  using  ￡  100  each  day.
He that idly loses 5 s. worth of time, loses 5 s. and might as prudently(1)throw  5  s.  in  the  River.
He  that  loses  5  s.  not  only  loses  that  Sum,  but  all  the  Advantage  thatmight  be  made  by  turning  it  in  Dealing,  which,  by  the  time  that  a  youngMan  becomes  old,  amounts  to  a  comfortable  Bag  of  Money.
Again, He that sells upon Credit¹, asks a Price for what he sells equivalentto the Principal² and Interest of his Money for the Time he is like to bekept out of it(2): therefore He that buys upon Credit, pays Interest forwhat  he  buys.  And  he  that  pays  Ready  Money,  might  let  that  Money  out  toUse; so that He that possesses any Thing he has bought, pays Interest forthe  Use  of  it.
Consider then when you are tempted³ to buy any unnecessary Household stuff,or  any  superfluous  thing,  whether  you  will  be  willing  to  pay  Interest,and Interest upon Interest for it as long as you live; and more if it growsworse  by  using.
ret, in buying goods, 't is best to pay Ready Money, because, He that sellsupon  Credit,  expects  to  lose  5  per  Cent  by  Bad  Debts(3);  therefore  hecharges, on all he sells upon Credit, an Advance~ that shall make up thatdeficiency.
Those who pay for what they buy upon Credit, pay their Share of this Advance.
He  that  pays  Ready  Money,  escapes  or  may  escape  that  Charge.
A  Penny  sav'd  is  Twopence  clear(5),A  Pin  a  Day  is  a  Groat  a  Year.(6)

1 credit   

n.信用，荣誉，贷款，学分；v.归功于，赞颂，信任

参考例句：

• I credit him with a certain amount of sense.我认为他有一定的见识。
• He got the credit,and we did the dirty work.他得荣誉，我们做不讨好的工作。

2 principal   

adj.主要的；n.负责人，校长，资本

参考例句：

• When he saw the principal,he raised his hand in salutation.他看到校长时举手敬礼。
• Their school gave a reception to their new principal.他们学校为新校长举办了一个招待会。

3 tempted   

v.怂恿（某人）干不正当的事；冒…的险（tempt的过去分词）

参考例句：

• I was sorely tempted to complain, but I didn't. 我极想发牢骚，但还是没开口。
• I was tempted by the dessert menu. 甜食菜单馋得我垂涎欲滴。