The man who will live above his present circumstances, is in great danger of soon living much beneath them; or as the Italian proverb says, "The man that lives by hope, will die by despair."
A man's ordinary expenses ought to be but to the half of his receipts, and if he think to wax rich, but to the third part.
Economy before competence is meanness after it; therefore economy is for the poor; the rich may dispense with it.
To make three guineas do the work of five.
The world abhors closeness, and all but admires extravagance; yet a slack hand shows weakness, and a tight hand strength.
There are but two ways of paying a debt; increase of industry in raising income, or increase of thrift in laying out.
Not to be covetous, is money; not to be a purchaser, is a revenue.
Let honesty and industry be thy constant companions, and spend one penny less than thy clear gains; then shall thy pocket begin to thrive; creditors will not insult, nor want oppress, nor hunger bite, nor nakedness freeze thee.
A man may, if he knows not how to save as he gets, keep his nose all his life to the grindstone and die not worth a groat after all.
Ere you consult fancy, consult your purse.
Take care of the pence, and the pounds will take care of themselves.
No man is rich whose expenditures exceed his means; and no one is poor whose incomings exceed his outgoings.
It is no small commendation to manage a little well.—To live well in abundance is the praise of the estate, not of the person.—I will study more how to give a good account of my little, than how to make it more.
Economy is the parent of integrity, of liberty, and of ease; and the beauteous sister of temperance, of cheerfulness, and health; and profuseness is a cruel and crafty demon, that gradually involves her followers in dependence and debts, and so fetters them with irons that enter into their inmost souls.
The back door robs the house.
Waste cannot be accurately told, though we are sensible how destructive it is. Economy on the one hand, by which a certain income is made to maintain a man genteelly; and waste on the other, by which, on the same income, another man lives shabbily, cannot be defined. It is a very nice thing; as one man wears his coat out much sooner than another, we cannot tell how.
Without economy none can be rich, and with it few will be poor.
A sound economy is a sound understanding brought into action. It is calculation realized; it is the doctrine of proportion reduced to practice; it is foreseeing contingencies and providing against them; it is expecting contingencies and being prepared for them.
Proportion and propriety are among the best secrets of domestic wisdom; and there is no surer test of integrity than a well-proportioned expenditure.
Large enterprises make the few rich, but the majority prosper only through the carefulness and detail of thrift. He is already poverty-stricken whose habits are not thritfy.
The habit of saving is itself an education; it fosters every virtue, teaches self-denial, cultivates the sense of order, trains to forethought, and so broadens the mind.
He who is taught to live upon little owes more to his father's wisdom than he that has a great deal left him does to his father's care.
Nothing is cheap which is superfluous, for what one does not need, is dear at a penny.
Economy, whether public or private, means the wise management of labor, mainly in three senses; applying labor rationally, preserving its produce carefully, and distributing its produce seasonably.
Economy is in itself a source of great revenue.
The regard one shows economy, is like that we show an old aunt, who is to leave us something at last.
Economy is half the battle of life; it is not so hard to earn money, as to spend it well.
There is no gain so certain as that which arises from sparing what you have.
The art of living easily as to money is to pitch your scale of living one decree below your means.
Men talk in raptures of youth and beauty, wit and sprightliness; but after seven years of union, not one of them is to be compared to good family management, which is seen at every meal, and felt every hour in the husband's purse.
Take care to be an economist in prosperity; there is no fear of your not being one in adversity.