Northern Weekly Gazette. — 1912-05-11 (Stockton-on-Tees, Cleveland, England)

HINTS.  Remember that time is money. Hie that can earn ten shillings a day by his labour, and goes abroad. or sits idle one half of that dsy, though he spends but sixpence during his diversion or idleness, ought not to reckon that the only expense; he has really spent, or thrown away, five shillings besides. Remember that credit is money. If a man lets money lie in my hands after it is due, he gives me the interest, or so much as I can make of it during that time. This amounts to a considerable sum, if a man has good and large credit, and makes a good use of it. Remenaber that money is of a prolific, generating nature. Money can beget money, and its offspring c,..0n beget more; five shillings turned is six; turned again it is seven and three pence, and so on until it becomes a hundred pounds. The more there is of it, the more it produces every turn; so that the profits rise quicker and quicker. Be that kills a breeding sow destroys all her offspring to the thousandth generation. He that murders a crown destroys all it might have produced, even scores of pounds. Remember that six pounds a year are but a groat a day. For this little sum, which vay daily he wasted in time or expense, unperceived, a man of credit may, on his own security, have the constant use and possession of a hundred Pounds. So much in stock, briskly turned by an industrious man, produces great advantage. Remember this saying, "That the good paymaster is lord of another man's purse." He that is known to pay punctually and exactly to the time he promises, may at any time, an on any occasion, raise all the money his friends can spare. The most trifling actions that affect a man's credit are to be regarded. Thie sound of Y? ur hammer at five in the morning, or nine at night, heard by a, creditor, makes him easy six months longer. But if he sees you at a billiard table, or hears your voice at a tavern, When you Should be at, work, he sends for Iris money the next day. Finer clothes than he or his wife wears, or greater expense in any particular than he affords himself, shocks his pride, and he duns you to humble you . Creditors are a kind of people that have the sharpest eves and ears as well as the best memories of any in the world. Beware of thinking all your OWJI that you Imeess, and of living accordingly. It is a mistake that many people who have credit fall into. lC Prevent this keep an exact account for some expenses and income. If . your ex  you take the pains at, first to mention pa,rticulars it will have this good effect, you will discover how wonderfully small trifling expenses amount up to large sums; and will discern what might have been and may for the future be saved, without occasioning any great inconvenience. In short, the way to wealth, if you desire it, is as plain as the way to market. It depends , I chiefly on two words—industry and frugality. 1 Waste neither time nor money, but make the host use of both. He that gets all he can, and saves all he gets (necessary expenses excepted), will certainly become rich; if that Being who governs the world, to Whom all should look for a blessing on their honest endeavours, cloth not in His wise Providence otherwise determine.  C. Metcalfe.