The Secret Of Wealth

"And as for my business--I wish you could have seen the difference in me and in the way I worked! I could put my whole attention on my workno more worry or unpaid bills. Well--I put my whole soul into the business so heartily that I was raised in salary twice that year.

"I tell you, my boy, saving money gives a man a look of confidence which makes itself felt by other people. A man who has money laid away bringing him interest has an appearance of reserve force which does not come and can't come to the fellow who lives from day to day. And the pleasure a person feels from the moment when he puts his first bank book into his pocket, exceeds any other pleasure there is in this world--and I know them all.

"If everybody in the United States saved a dime a day the total would be $10,000,000 a day, or $3,650,000,000 in one year, which is more than all the money in circulation in this Country.''

After you have worked for your money--make it work for you instead of for somebody else. It only works for you as long as you keep it.

"Money makes money; and the money money makes, makes more money."--Benjamin Franklin. 

CHAPTER XXXIII

"Frugality is founded on the principle that all riches have limits."--Burke.

THE spirit of frugality is born in most of us. Even when we were little tads we used to eat all around the frosting on the cake, saving the sweetest and daintiest mouthful for the last-that's frugality.

The times call for frugal living and frugal living means that living expenses are increased slowly even when the income increases rapidly.

It was Bacon who said: "A man ought warily to begin charges which begun must continue, but in matters that return not he may be more liberal."

It is the fixed expenses that must be kept down; those which return each day, each week or each month, like the rent of your house or apartment, the dues of your club or society and your daily transportation to and from business. These things must be kept within bounds as they cannot be changed at will.

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