The Tipton advertiser. [volume] (Tipton, Cedar Co., Iowa) 1856-1962, 1858-09-04

M1Sce1laneouS.

miscellaneous
II Gaeas win have them Cha,ged.'
Such was the reply to the inquirina
look Of . merchant who had just compile.
ted the sale Of quite large bill Of goods
TO young farmer. As We cast our eye
over the list Of articles, we were forced
to the conclusion that at least one-hall
the anoun Of the purchase was for things
wholly unnecessary for him Or his fami-
y; and which in all probability would
not have been bought, if he had been .
practical believer 10 the pay as you GO
policy, or had known that the motto Of
The merchant was mo tr,lst #s
We are heartily opposed to the whole
system of debt and credit, not that it Is
totally useless, but that we believe it does
more mischief than good, produces more
troublethan accommodation and dissipates
and destroys more fortune than it hon.
cstly creates.
And yet the farmer has as little cause
to find fault with the system as any one,
for no one receives more benefit in a
small way than himself. Every tiller of
the soil living near village, usually
finds something from the produce of his
farm to take with him to market, when
business happens to lead him BY the vii
lage store And it is an accommodation
to have some place to leave few dozen
eggs, bushel of potatoes, or some other
nameless eatablc to SELL 1t does not pay
him to spend his time in 'pedlng.' But
the trouble is here. The debtor side Of
the store ledger is too apt to be forever
the largest. There is something neces-
sary and sometimes unnecessary, while
any dissagrceablc forebodings Of pay
day coming arc kept quiet by the delu-
sion, that he shah have enough little
things to put of to more than pay the
bills.
And thus it goes on from month to
month, till when the year comes round,
the merchant politely intilnates that a
couple Of good fat hogs if he has them,
perhaps the very ones that the farmer
had been dotingly intending to salt away
in the Savings Bank, will just settle the
account
Thus many an industrious aud prom
ising young man, who perhaps for the
first few years Of life counted the cost,
pondered upon the purchase of every
thing, can date his pecuniary doom from
the time when he found out there was
such thing as credit. Running ac-
counts will run out an estate, we might
say, almost inevitably, and not only run
out mans estate, but his manhood.
You are, in feeling at least, a slave to the
man to whom you owe debt, that you
have failed to pay when it was due
You always pass his place of business on
the other side, and even shun the through
fare where YOU may chance to meet him,
and 60 to your home by some by-way,
lest the unsettled account confront you
in the face of your creditor. And as a
consequence you soon begin to despise
what you think others have reason to--to
-wlt-yourself.
To remedy this evil, you should adopt
as far as possible the principle pay as
you go;' any way you should have store
book, and know always how the account
stands, and never venture upon the pur-
chase Of anything not absolutely necessa-
ry when you are in debt. Be. to. wear
your threadbcar coat, your patched
boots, better dispense with your preserves
your jellies, your wines, and even the
raisns in your mince-pies, than to jcop-
ardize your property, or compromise your
property, or compromise your manhood
by adopting the credit system, and thus
too often living beyond your mcaus.
The necessaries of life are few, and in
dustry will secure them TO every man.
IL is the elegancies that empty the purse,
tho knick- knacks than fashion, false
pride, perverted taste, or diseased appe-
tite demands, that make men poor
Establish the habit of paying for every
article We buy, and We shall seldom pur.
chase what our circumstances will no,
afford. And this leads US to sugges,
that every individual should keep
1nAccoUsr WITH HIMSELF.
Dedicate page of your account book
if you have one, to reform, by writing
at its head your own name with those
two significant Observation-Disclosures
ly following. Then righteously ente,
every night the expenses, if any, tha,
you have incurred for yourself during
the day. If you have family, purchas,
for each one three cent memorandum
book, and oblige them to give you tho
items OF their expenses once a month
Your sons will thereby be led to excr
else commendable watch over the out
goes, and especially over their appetites
if you arc to sec the brandy, julip, and
tobacco bills; and your daughters BY /,
knowledge Of the cost Of dress, will learr
that most indispensable requisite of ,
true women--care, beside developing
the ability to always look as neat as thei
most fashy neighbors, at one half the ex
pcnsc--an attainment that viii be O
some worth to the man Of /" five hundred
a year Let every one who has hereto
fore lived in the doubtful, hap-hazzard
behind.hand, ''know nothing way, set
tie with the world aud himself to day
ascertain at once the balance against hin
adopt the "never buy what you canno
pay for at the time" principle keep al
account with himself, and make eacl
member of his family do the same, ant
your purse, hitherto in state of dis
tressing collapse, will delight and aston
ish you by its hereafter unwonted an,
perpetual imitation L. X. IN Home
stead.