The great philosopher, Dr. Franklin, inspired the mouth-piece of his own eloquence, "Pool Richard," with "many a gem of purest ray serene," encased in the homely garb of proverbial truisms. On the subject of frugality we cannot do better than take the worthy Mentor for our text, and from it address our remarks. 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 at last. A fat kitchen makes a lean will," and

"Many estates are spent in getting, Since women for tea forsook spin ning and knitting, And men for punch forsook hewing and splitting."

849. If you would be wealthy, think of saving as well as of getting. The Indies have not made Spain rich, because her out-goes are greater than her incomes.

850. Away then with your expensive follies, and you will not then have so much cause to complain of hard times, heavy taxes, and chargeable families.

851. "What maintains one vice would bring up two children."

852. You may think, perhaps, that a little tea, or superfluities now and then, diet a little more costly, clothes a little finer, and a little entertainment now and then, can be no great matter; but remember, "many a little makes a mickle."

853. Beware of little expenses:- "A small leak will sink a great ship," as Poor Richard says: and again, f5 Who dainties love, shall beggars prove;" and moreover, "Fools make leasts and wise men eat them."

854. Here you are all got together to this sale of fineries and nick-nacks. You call them goods; but if you do not take care they will prove evils to some of you. You expect they will be sold cheap, and perhaps they may for less than they cost; but if you have no occasion for them they must be dear to you.

855. Remember what poor Richard gays, "Buy what thou hast no need of, and ere long thou shalt sell thy necessaries."

856. And again, "At a great penny-worth, pause awhile." He means, perhaps, that the cheapness is apparent only, and not real; or the bargain, by straitening thee in thy business, may do thee more harm than good; for in another place he says, "Many have been runed by buying good penny-worths."

857. Again, "It is foolish to lay out money in the purchase of repentance;" and yet this folly is practised every day at auctions, for want of minding the almanac.

858. Many, for the sake of finery on the back, have gone with a hungry stomach, and half starved their families. "Silks and satins, scarlets and velvets, put out the kitchen fire," as Poor Richard says. These are not the necessaries of life; they can scarcely be called the conveniencies; and yet, only because they look pretty, how many want to have them ?

859. By these and other extravagances, the genteel are reduced to poverty, and forced to borrow of those whom they formerly despised, but who through industry and frugality have maintained their standing: in which case it appears plainly that, "A ploughman on his legs is higher than a gentleman on his knees," as PoorRich-ard says Perhaps they had a small estate left them, which they knew not the getting of; they think "It is day, and will never be night;" that a little to be spent out of so much is not worth minding; but 'Always taking out of the meal-tub, and never putting in, soon comes to the bottom," as Poor Richard says; and then, "When the well is dry, they know the worth of water."

860. But this they might have known before, if they had taken his advice: "If you would know the value of money, go and try to borrow some; for he that goes a borrowing goes a sorrowing.,' as Poor Richard says; and, indeed, so does he that lends to such people, when he goes to get it in again. Poor Dick further advises:

"Fond pride of dress is sure a very curse; Ere fancy you consult, consult your purse."

861. And again, "Pride is as loud a beggar as want, and a great deal more saucy."

862. When you have bought one fine thing, you must buy ten more, that your appearance may be all of a piece; but Poor Dick says, uIt is easier to suppress the first desire than to satisfy all that follow it;" and it is as truly folly for the poor to ape the rich, as for the frog to swell in order to equal the ox.

"Vessels large may venture more, But little boats should keep near shore."

*862. It is, however, a folly soon punished; for "Pride that dines on vanity, sups on contempt; pride breakfasted with plenty, dined with poverty, and supped with infamy.

863. And, after all, of what use is this pride of appearance, for which so

I much is risked, so much is suffered ?

It cannot promote health, nor ease pain; it makes no increase of merit in the person; it creates envy, it hastens misfortune.