New-York daily tribune. [volume] (New-York [N.Y.]) 1842-1866, 1857-09-12
this moment in New .Yort-men who are living In

houses t for TIE occupation Of princes surrounded
BY al the spleDdors which art can devise or money
purchase, ard WHO yet in al their outgoings and
incomipgs when they rise in the morning and when
they vsiply WOO .lumber at night, are logged BY
the ,recter Of bankruptcy, visible to no eye but
tleisl What il costs so much pains to collect,
may be scattered IN moment. 1t is only for
notary 10 write few words upon bit Of paper,
and the fire horses .camper into other stables, the
rich upholstery decks other apartments, and
tie sncient wines are Transferred to other
cellars. The nan who i. living beyond his means,
ard who s in fact squspderipg the money of Others
that he msy crafty lilly vanity and keep up ap-
pehrances, lea fool, ard a very great fool and 8
very unhappy fool into the bargain. The wretch
knows that the smash must come-that just 80 sure
as be lives long enough he will see his card. castle
tumble downfall be is walking in high style to
be cure, to the poor house, just as in Cuba they
gorge convicts with deicacies before choking them.
And yet horrible as must be the torture, sickening
% must be the dread frightful as must be the pre-
sentiments Of such life, there are thousands and
tens Of thouiands in this and other cities who are
leading it ard protesting to like it. OF whatuse is it
to bdvite ,uch people They know better-the
difficulty il that they will not do better. They have
been advised ever since the creation of the world
by philosophers ard preachers but they do not care
Q ru.h for all the musty Poor Richards proverbs
ever uttered.
1t is barely possible, however, that some sensible
men nay have been betrayed BY circumstances into
inprudent expenditure. To such we would speak.
The rustic and seaside frOlics are over and the
town G. ason is at hand. The merchants are com.
ing back, some Of them with faces much longer
than those which they wore upon setting out.
Everywhere We hear the cry of hard times"
Money is scarce, confidence shaky, and credit diff
cult TO get We have bad fine dance, but now
the memorable piper is coming round with his hat.
We have been going on altogether too fast. There
is many man who must retrench his household
expenditures OF 20 by the board Borrowing money
Of the usurers at Poverty Corner tOpay for balls and
dinners in the Fifth Avenue may answer for while,
but the oblgng gentlemen have way Of cutting
of the supplies more positive than pleasant. Ii
merchant can save in his house FIVE or fen thousand
dollars for use in the counting. room, depend upon
it, the money will be found convenient in that
humble but important LEGALITY. These and very
much larger sums can be saved. Laces, silks, furr,
diamonds, dinners, balls, wines, horses and opera
boxes-al these cost, if We have been rightly in
formed great deal of money The whim of re-
furnishing house frequently makes fearful hole
in the ca.hbOx. kitchen full of thievsh servants
is we should think, an expensive luxury. Now,
why should not Mr.. Peter Bullion, having first as.
certaned how much be can afford to spend-accu-
rately, mind you, without humbug or guess-wOrk
communicate his budget to the Bullion house
hold in full cOIclave, and mildly but firmly intimate
that the expenses must be made to conform to it
If Mrs Bullion be sensible woman she will be
delighted with the proposal. If the Misses Bullion
are anything better than French dolls fit for moth
ing but to hang fabrics upon they will chcerfdlly
assent IfMaster Bullion be not brandy bib ing,
tobacco smoking, card.playDg and horse-ra;ing
hobbIeGehoy, he will offer no objection. Aud if
there should be tear or two and little mincing
talk about doing as the rest of the world does, let
Mr.. Bullion be firm. Don't let him be caudle1 out
Of bis resolution. Whatever pain be may undergo
will BE- amply paid for by the pleasure which he
viii experience 10 taking up his notes. He will
have tie satisfaction Of feeling as firm as rock,
ohile Lis neishbors are tlmbliug around him like
nnepihs.
We know many families 10 which this system
atzed economy lie already practiced. 1t has laid
the four dation Of many fine fortune, just the
want of it has dissipated many large estate. In
showDgs necessity in connection with the financial
panic we have not supposed that it is needed solely
in what are called the fashionable circles. 1t is as
necessary to the prosperity of the mechanic and the
farmer as to that of the merchant. 1t is needed
by the rich and by the poorly those who are
called high and those who are called Glow"
Wages will rot be any too high work will not be
any too plerty, during the next Winter. We do
not think the prospect is rery brilliant one, or
that many Of us will have more money than we
know what to do with "a prudent husbandry Of
bis resources" can harm no One Weshall weather
the storm well enough if everybody will go to work
with will, producing something, instead of merely
consuming what somebody else has produced thou
sands Of miles off. Earn all you can Save all you
can. and snap your fingers at the constable
But one excuse, so far as We have yet seen, has
h. an set nm for the scandalOus lob of the Fort Smell