The Life of Benjamin Franklin Part 19

Therefore never keep borrowed money an hour beyond the time you promised, lest a disappointment shut up your friend's purse for ever.

The most trifling actions, that affect a man's credit, are to be regarded. The sound of your hammer at five in the morning, or nine at night, heard by a creditor, makes him easy six months longer; but if he see you at a billiard table, or hears your voice at a tavern, when you should be at work, he sends for his money next day; and demands it before he can receive it in a lump.

It shows, besides, that you are mindful of what you owe. It makes you appear a careful as well as an honest man; and that still increases your credit.

Beware of thinking all your own, that you possess; and of living accordingly. It is a mistake that many people, who have credit, fall into.

To prevent this, keep an exact account, for some time, both of your expenses and your income. If you take the pains at first to mention particulars, it will have this good effect:--you will discover how wonderfully small, trifling expenses mount up to large sums; and will soon discern, what might have been, and may for the future be saved, without occasioning any great inconvenience.

Again: he, who sells upon credit, asks a price, for what he sells, equivalent to the princ.i.p.al and interest of his money, for the time he is to be kept out of it. Therefore, he who buys upon credit, pays interest for what he buys; and, he who pays ready money, might let that money out to use. So, that he who possesses any thing he has bought, pays interest for the use of it.

Yet, in buying goods, it is best to pay ready money; because, he who sells upon credit, expects to lose five per cent, by bad debts.

Therefore, he charges, on all he sells upon credit, an advance that shall make up that deficiency.

Those who pay for what they buy upon credit, pay their share of this advance.

He who pays ready money, escapes, or may escape that charge.

A penny sav'd is two-pence clear, A pin a day's a groat a year.

In short, the way to wealth, if you desire it, is as plain as the way to market. It depends chiefly on two words: _Industry_ and _Frugality_.

Waste neither _time_ nor _money_; but make the best use of both.

Without industry and frugality, nothing will do; but with them every thing. He who gets all he can, honestly, 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, doth not, in his wise providence, otherwise determine.

AN OLD TRADESMAN.

Every reader will be diverted with the following.

IDLE CURIOSITY CURED.

On his first trip, by land, to see his father in Boston, he was worried almost to death by the abominable inquisitiveness of the New England tavern-keepers.

Neither man nor beast could travel among them in comfort. No matter how wet or weary, how hungry or thirsty, the poor traveller might be, he was not to expect an atom of refreshment from these silly publicans until their most pestiferous curiosity was first gratified. And then Job himself could not stand such questions as they would goad him with; such as, _where he came from--and where he might be a-going--and what religion he might be of--and if he was a married man_--and so on. After having been prodigiously teazed in this way for several days, until at last the bare sight of a public house almost threw him into an ague, he determined to try the following remedy at the very next tavern. Soon as he alighted from his horse he desired the tavern keeper to collect his whole family, wife, children, and servants, every soul of them; for that he had something _vastly important_ to communicate. All being a.s.sembled and wondering what he had to say, he thus addressed them. "My name is Benjamin Franklin. I am a printer by trade. I live, when at home, in Philadelphia. In Boston I have a father, a good old man who taught me, when I was a little boy, to read my book and say my prayers.

I have, ever since, thought it my duty to visit and pay my respects to such a father; and I am on that errand to Boston now. This is all that I can at present recollect of myself that I think worth telling you.

But if you can think of any thing else that you wish to know about me, I beg you to out with it at once, that I may answer, and so give you opportunity to get me something to eat; for I long to be on my journey that I may return as soon as possible to my family and business, where I most of all delight to be."

Forty thousand sermons against IDLE CURIOSITY could hardly have driven it so effectually out of New England as did this little squib of ridicule.

The following jeu d'esprit is peculiarly in character with Dr.

Franklin. It proves that his wit and his benevolence were equal to every emergence, and that if he carried the Old Testament language in his head, he carried the New Testament spirit in his heart.

WIT AND PERSECUTION.

The conversation turning, one day, on _persecution_, a doctor of divinity, distinguished for his wit, but, unfortunately, a little too much infected with that acrimony which is caught by reading books of religious controversy, took the part of persecution and contended that it was _sometimes_ right to employ it. Franklin said, he could not think of any case wherein _persecution_ was _admissible_ among rational creatures. It might be very excusable in _error_ to persecute, whose nature it was to see things wrong, and to get angry; but that for such a "_divinity as_ TRUTH," to persecute, was, in his opinion, a sin against the _Holy Ghost, never to be forgiven_. After using, in his facetious manner, a variety of arguments honourable to wit and philanthropy, and the clergyman still remaining unconvinced, Franklin called out to him with an air of great surprise, "Why, my dear sir, I am astonished that you plead thus for persecution when it is so diametrically opposite to your _Bible_."

The clergyman replied, that he did not know what doctor Franklin meant.

He thought, he said, he knew something of his _Bible_, but he did not recollect any chapter in point.

"_No, sir!_" answered Franklin, still with the look and voice of surprise, "_not that memorable chapter concerning Abraham and the poor man! Pray, sir, favour us with your Bible a minute or two._"

"With all my heart," replied the clergyman, "I should like to see that _memorable chapter_."

The company manifested a solicitude for the issue of the pending controversy--the family Bible was brought and laid on the table by the side of doctor Franklin. "Well, reverend sir," said he, looking at the preacher, as he took up the Bible, "shall I read this chapter?"

"Certainly," replied the divine, settling himself in his chair to listen.--The eyes of all were fixed on Franklin; when, opening the Bible and turning back the leaves as to find the place, he thus audibly began:--

The twenty-seventh chapter of the first book of Moses, commonly called the book of Genesis.

1. And it came to pa.s.s, after these things, that Abraham sat in the door of his tent, about the going down of the sun.

2. And behold a man, bowed with age, coming from the way of the wilderness, leaning on a staff.

3. And Abraham arose, and met him, and said unto him, turn in, I pray thee, and wash thy feet, and tarry all night, and thou shalt arise early in the morning and go on thy way.

4. But the man said, nay, for I will abide under this tree.

5. And Abraham pressed him greatly; so he turned, and they went into the tent; and Abraham baked unleavened bread, and they did eat.

6. And when Abraham saw that the man blessed not G.o.d, he said unto him, wherefore dost thou not worship the most high G.o.d, Creator of heaven and earth.

7. And the man answered and said, I do not worship thy G.o.d, neither do I call upon his name; for I have made to myself a G.o.d, which abideth always in mine house, and provideth me all things.

8. And Abraham's zeal was kindled against the man, and he arose and fell upon him, and drove him forth with blows into the wilderness.

9. And at midnight G.o.d called unto Abraham, saying, where is the stranger?

10. And Abraham answered, and said, Lord, he would not worship thee, neither would he call upon thy name, therefore have I driven him out from before my face into the wilderness.

11. And G.o.d said, have I borne with him these hundred and ninety and eight years, and nourished him and clothed him, notwithstanding his rebellion against me; and couldest not thou, that art thyself a sinner, bear with him one night?

12. And Abraham said, let not the anger of my Lord wax hot against his servant; lo, I have sinned: forgive me, I pray thee.

13. And he arose, and went forth into the wilderness, and sought diligently for the man and found him:

14. And returned with him to his tent; and when he had entreated him kindly, he sent him away in the morning with gifts.

15. And G.o.d spake again unto Abraham, saying, for this thy sin, shall thy seed be afflicted four hundred years in a strange land:

16. But for thy repentance, will I deliver them; and they shall come forth with power, and with gladness of heart, and with much substance.

That witty but splenetic old bachelor, Dean Swift, used to say, that "there was no dispute which a man of a tolerably good head and heart might not easily avoid falling into, or honourably get out of; and, therefore, as none but fools and rascals fought duels, the sooner such beasts cut each other's throats, the better for the community."

This, no doubt, is very true, but still it is too much like striking with a war club, or _tomahawk_, to be allowed among christians. The following _impromptu_ on duelling, by Dr. Franklin, claims a far higher admiration. It is an arrow pointed with the diamond of wit, dipt in the oil of kindness, that wounds but to heal.

THE FOLLY OF DUELLING.

This most pusillanimous practice was one day made the theme of conversation in a large party in London, where Doctor Franklin dined.