The Newberry herald and news. (Newberry, S.C.) 1884-1903, 1888-09-13
How to Get Out of Debt.
Waldo F. Brown in Farmers Reviel

Waldo F. Brown in Farmers Review
The farmer in debt must be exceed
ingly careful of his credit. First he
should buy on credit as little as posi-
BILE. The man who spends his money
before he gets it, is always at disad-
vantage, for as soon as he gets any
mony some hand is reaching for it,
and he no sooner has it than it is gone.
I think the farmer is more tempted to
run in debt than almost amy other man,
because dealers are so willing to trust
him, for his farm is Il good basis for
security, and it is property which can
not he hidden or carried away. The
sooner you can establish the habit Of
paying cash down for everything you
buy the better for you, for ifyou do this
you will often deny yourself many
things which w can do without. 1t
will require tirmness and sclf-drnial TO
buy only what you can pay for, bus
without it you are in danger Of getting
into the habit of buying OH time, and
keep yourself always in debt. There
are many things which are desirable 10
have but not indispensable, aud these
are the things which the farmer who is
in debt must learn to do without. 1t is
a good plan whenever you reach the
conclusion that you need to make an
expenditure, to postpone action until
you sleep and then talk the matter
over with your wife. Often a little
cool reflection will save your incurring
a debt which you will find burdenscmc
and a cause for regret. I know Il young
farmer some years ago who was badly
in debt and 50 situated that he must
hire all work done that he could not do
himself, who boughta 500 fruit evapo-
rator in year when fruit was plenty:
A few days running it with hired help
showed that he could not make eX-
penses, and it was set awayand has not
been used for ten years, but during all
that time he has been paying interest
on it's cost. Another case which came
under my notice, was a young farmer
paying S35 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 null
tiply instances which illustrate the
truth I wish to enforce which is to
make no outlay which is unnecessary,
but it 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 get
ting out of debt is to make the farm
produce as far as possible the family
supplies. Iknow farmers in debt who
depend Oh the butchers for almost the
entire supply of meat. Others wLo
have la1ge families take no pains 70
have vegetables, fruits poultry, etc,
and are even careless about = constant
and regular supply of milk and butter.
Now it is as easy to plan so that there
shall be small steady income to meet
the little outgoes, and the most pres
porous farmers have ever known were
those who rarely got to town without q
package of butter, a basket Of eggs, some
poultry, fruit or vegetables to help pay
the bill. There is great failure 70 1--we
up to the privileges Of the farin as we'll
as to secure it's profits, to the man who
does not look after the many small
sources of supply and income which
the farm furnishes. The most impor-
tant advice can give to the farmer in
debt I believe to be to put more of
thought into the work of his farm, and
what mean by this is, that you should
docide upon a plan which is adapted TO
your land, your locality and your OWE
taste and capacity. Hall the farm
management with which Tam familiar
is Of such a character that any nian
could see that it would fail Of profit
because the owners are not studying to
know what is best for them, but only
trying to copy after some one else.
There is also lack OF persistency, and
a disposition to change the plan OF
management too often. Tb"re are few
localities where some line o. farming
cannot be chosen that will prove
profitable, but in choosing we must act
deliberately and wisely, and haying
chosen must adhere persistently to our
plans. Lastly we must not grow dis
couraged if our progress is slow. The
position of farmer out Of debt and
with farm in good condition as re-
CARDS fertility, buildings, fences, etc., is
one worth long struggle, and know
no man more to be envied than the Ole
who between the age of 40 and 50, finds
himself in this condition.