Eastern times. [volume] (Bath, Me.) 1846-1857, 1852-06-24
MISCELLANY Y .
Pay as You Go.
Ifevery man would adopr The cas-

Ii every man would adopt The cash system
pay for an article when he bought it-pay
for job when ii is fnIsheI--pay for IA
newspaper wbe" he subscribed for il, The
community wOu.4 be all the better off for il.
The credit system, as a general thing. is bad
for all classes particularly is it Injurious to
those who are engaged IN mechanical pur-
suits. We were talking with one of tins
class The other day, who was engaged or
piece of work. III could get my paw for
IhIs job when it is conpeled,' he SAID, Il
could 10 it ten per cent, yes, fifteen per cent.
chearer than what | shall charge for it,
Add for this reason,' he continued, when
my work is done shall have to wait three
or four months tor my pay. At The expira-
lion OF that Time present my bill. My EN-
plOyer, perhaps, does not find il convenient
at that time 10 pay the bill, and | am re-
quested to cal! again. After waiting a rea
sOnatle time | call anew. do not find
him at his place OF business, or he may be
short at the time, and am again disappoint-
ed. And SO il may be over and over again,
subjccting me to great loss of time which
might have been profitably employed. In
the meantime, am obliged to Obtain credit.
get trusted for my stock. run up an ac-
count with the grocer. the butcher, the tai i
or, the shoemaker, &C., paying an extra
price for what | buy, for there is no man
who will not sell at some discount for cash
on the nail. When nv bills are paid, can
pay what | owe; bu, if my debtors disap-'
point me, my creditors have 10 suffer by The
delay. II my workmen were sure of getting
their pay everv Saturday night, they would
work for considerable less per diem; but as
II is, they have to get credited, or perhap ps
they lake an 'order," aud you know that an
order is vastly different from good bank
bill or silver dollar. The consequence is,
they have 10 pay an extra price. You see
how it works: there is an extra price,
charged all round. There is another evil
attending this credit system. A man opens
an account. His credit is good. and he finds
he has but 10 order an article and he gets it.
He is determined to live economically, and
within his means. But when his bill! is
made up at the end of II given lime, he finds
that he has insehsiby run up a larger hill
than he intended. The balance is carried
forward 10 new account, perhaps, and he
does not mind II much. Bu on the next set
tlemenr there is still larger balance. Then
come duns-ihen follow other accounts
opened elsewhere succeeded by other duns,
until the poor fellow IS harassed TO death,
aud can hardly hold. up his head, as a man
should, in walking the streets. Now all
this vexation might have been n, oided. if he
had received his pay when it was due him.
With the money in his pocket, he could Duy
articles to suit him at less price. He
would look at his money twice befure lie let
II go out of his hands aud he would closely
calculate TO make it hold out until the end
of The week, buying only what he absolutely
needed, So that when pay day came round.
he would make both ends meel--more like
Iy have little fund in store for a wei day.
You have no idee of all the evils of this
abominable credit system said our friend,
who was quite earnest OH the subject
Here is a liule job | am doing now, worth
perhaps fifty or ssvenry.five cents. Instead
of getting my pay for il when it is finished,
| shall probably be told TO Charge it. Well.
| charge il, and disIiking 10 dun man for
so small sum, lei il run Tor some time,
and then have 10 60 for my pay perhaps
three or four times, losing in time twice as
much as what charge for The work. The
man for whom am doing this W i'll probably
have his pocket full Of change when he calls
for it. Ii knew he would pay when lie
took il, should only ask him fifty cenrs for
liz, for it is alliihar the work is honestly
worth. But know that he will not and
shall charge him seventy-ive cents without
any scruples, for, the extra twenty-five cents
will not pay me for the time and trouble
shall be at in collecting il. These men seen
TO forget that, to the mechanic, and all who
obtain their living by labor, time is literally
money. The merchant can lose an hour o.
SO without its affecIing him; bur lime is ou
capital. and we cannot afford 10 waste it,
Every unemployed hour is dead loss Z
US. Very frequently men call on me to do I
nine penny job, for whom in all probability