Yorkville enquirer. [volume] (Yorkville, S.C.) 1855-2006, 1888-09-26
St1istellaneu11s &eadina
HOW TO GET OUT OF DEBT.

Inc FARMER IN ueDG IuuSt Ue eACeeuluSly
careful of his credit. First, he should buy
on credit as little as possible. The man
who spends his money before he gets it, is
always at a disadvantage, for as soon as he
gets any money some hand is reaching for
| Il. and he no sooner has it than it is gone.
| think the farmer is more tempted to run
in debt than almost any other man, be-
cause dealers are 80 willing to trust him,
for his farm is good basis for security,
and it is property which cannot be hidden
or carried away. The sooner you can es-
! tablish the habit of paying cash down for
everything you buy the better for you, for
| if YOU do this you will often deny yourself
many things which you can do without.
| It will require firmness and self-denial to
buy only what you can pay for, but with
out it you are in danger of getting.into the
habit of buying on time, and keep your
self always in debt. There are many
things which are tlesiraP have but not
indispensable, and these are the things
which the farmer who is in debt must learn
to do without. 1t is good plan whenev-
to make an expenditure, to postpone ac-
ton until you sleep, and then talk the
matter over with your wife. Often a lit
tie cool reflection will save your incurring
debt which you will find burdensome
and cause for regret. knew young
farmer, some years ago, who was badly IN
debt and 80 situated that he must hire all
work done that he could not do himself,
who bought 800 fruit evaporation ina year
when fruit was plenty. A few days run
ming it with hired help showed that he
could not make expenses, and it was set
away and has not been used for ten years,
but during all that time he has been pay
ing interest ON its cost. Another case
which came under my notice, was young
farmer paying $95 for force pump and
rubber hose to water his sweet potato bed,
and finding it did not pay it was thrown
aside after a single year. could mui-
tiply instances which illustrate the truth
I wish to enforce, which is to make no out
lay which is unnecessary, but 1t is only
needful to call attention to it, for the man
who keeps his eyes open will see in his
own neighborhood plenty of illustrations.
Another help to getting out of debt is to
make the farm produce as far as posslDie
the family supplies. I know farmers in
debt who depend on the butchers for al
most the entire supply of meat. Others
who have large families take no pains to
have vegetables, fruits, poultry, etc., and
are even careless about a constant and reg
ular supply of milk and butter. Now it
is easy to plan so that there shall be a
small steady income to meet the little out
goes, and the most prosperous farmers
/ have ever known were those who rarely
got to town without a package of butter, a
basket of eggs, some poultry, fruit or vege-
tables to help pay the bill. There is q
great failure to live up to the privileges of
the farm as we'll as secure its profits, to the
man who does not look after the many
small sources of supply and income which
the farmer furnishes. The most important
advice can give to the farmer in debt
believe to be to put more of thought into
the " ork of his farm, and what mean
by this is, that you should decide upon a
plan which is adapted to your land, your
locality and your own taste and capacity.
Half the farm management with when L
am familiar is of such-a character that any
man codld see that it would fail OF Prettt
because the owners are ,npt studying g
inc to COPY after some one e}eise. There is
also lack of persistency, tand disposi-
tion to change the plan Of management
too often. There are few localities where
some line of farming cannot be chosen
that will prove profitable, but in choosing
we must act deliberately and wisely, and
having chosen must adhere persistently
to our plans. Lastly we must not grow
discouraged if our progress is slow. The
position of farmer out of debt and with
farm in good condition as regards fertili-
ty, buildings, fences, etc., is one worth
long struggle, and I know no man more
to be envied than the one who, between
the age of 40 and so, finds himself in this
condition. Farmers Review.