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The Art of Money - Getting or Golden Rules for Making Money

accomplish this economy, but when once used to it, you will find there
is more satisfaction in rational saving than in irrational spending.
Here is a recipe which I recommend: I have found it to work an excellent
cure for extravagance, and especially for mistaken economy: When you
find that you have no surplus at the end of the year, and yet have a
good income, I advise you to take a few sheets of paper and form them
into a book and mark down every item of expenditure. Post it every day
or week in two columns, one headed "necessaries" or even "comforts", and
the other headed "luxuries," and you will find that the latter column
will be double, treble, and frequently ten times greater than the
former. The real comforts of life cost but a small portion of what most
of us can earn. Dr. Franklin says "it is the eyes of others and not our
own eyes which ruin us. If all the world were blind except myself l
should not care for fine clothes or furniture." It is the fear of what
Mrs. Grundy may say that keeps the noses of many worthy families to the
grindstone. In America many persons like to repeat "we are all free and
equal," but it is a great mistake in more senses than one.
That we are born "free and equal" is a glorious truth in one sense, yet
we are not all born equally rich, and we never shall be. One may say;
"there is a man who has an income of fifty thousand dollars per annum,
while I have but one thousand dollars; I knew that fellow when he was
poor like myself; now he is rich and thinks he is better than I am; I
will show him that I am as good as he is; I will go and buy a horse and
buggy; no, I cannot do that, but I will go and hire one and ride this
afternoon on the same road that he does, and thus prove to him that I am
as good as he is."
My friend, you need not take that trouble; you can easily prove that you
are "as good as he is;" you have only to behave as well as he does; but
you cannot make anybody believe that you are rich as he is. Besides, if
you put on these "airs," add waste your time and spend your money, your
poor wife will be obliged to scrub her fingers off at home, and buy her
tea two ounces at a time, and everything else in proportion, in order
that you may keep up "appearances," and, after all, deceive nobody. On
the other hand, Mrs. Smith may say that her next-door neighbor married
Johnson for his money, and "everybody says so." She has a nice one-
thousand dollar camel's hair shawl, and she will make Smith get her an
imitation one, and she will sit in a pew right next to her neighbor in
church, in order to prove that she is her equal.
My good woman, you will not get ahead in the world, if your vanity and
envy thus take the lead. In this country, where we believe the majority
ought to rule, we ignore that principle in regard to fashion, and let a
handful of people, calling themselves the aristocracy, run up a false
standard of perfection, and in endeavoring to rise to that standard, we