I paid £60 a year for my new apartments, for I took them by the year; but then they were handsome lodgings indeed, and very richly furnished. I kept my own servants to clean and look after them, found my own kitchen ware and firing. My equipage was handsome, but not very great; I had a coach, a coachman, a footman, my woman Amy, who I now dressed like a gentlewoman and made her my companion, and three maids; and thus I lived for a time. I dressed to the height of every mode, went extremely rich in clothes, and as for jewels, I wanted none. I gave a very good livery, laced with silver, and as rich as anybody below the nobility could be seen with; and thus I appeared, leaving the world to guess who or what I was, without offering to put myself forward.
I walked sometimes in the Mall with my woman Amy, but I kept no company and made no acquaintances, only made as gay a show as I was able to do, and that upon all occasions. I found, however, the world was not altogether so unconcerned about me as I seemed to be about them; and first I understood that the neighbours began to be mighty inquisitive about me, as who I was, and what my circumstances were.
Amy was the only person that could answer their curiosity or give any account of me; and she, a tattling woman and a true gossip, took care to do that with all the art that she was mistress of. She let them know that I was the widow of a person of quality in France, that I was very rich, that I came over hither to look after an estate that fell to me by some of my relations who died here, that I was worth £40,000 all in my own hands, and the like.
This was all wrong in Amy, and in me too, though we did not see it at first, for this recommended me indeed to those sort of gentlemen they call fortune-hunters, and who always besieged ladies, as they called it—on purpose to take them prisoners, as I called it—that is to say, to marry the women and have the spending of their money. But if I was wrong in refusing the honourable proposals of the Dutch merchant, who offered me the disposal of my whole estate, and had as much of his own to maintain me with, I was right now in refusing those offers which came generally from gentlemen of good families and good estates, but who, living to the extent of them, were always needy and necessitous, and wanted a sum of money to make themselves easy, as they call it—that is to say, to pay off encumbrances, sisters' portions, and the like; and then the woman is prisoner for life, and may live as they give her leave. This life I had seen into clearly enough, and therefore I was not to be catched that way. However, as I said, the reputation of my money brought several of those sort of gentry about me, and they found means, by one stratagem or other, to get access to my ladyship; but, in short, I answered them well enough, that I lived single and was happy; that as I had no occasion to change my condition for an estate, so I did not see that by the best offer that any of them could make me I could mend my fortune; that I might be honoured with titles indeed, and in time rank on public occasions with the peeresses (I mention that because one that offered at me was the eldest son of a peer), but that I was as well without the title as long as I had the estate, and while I had £2000 a year of my own I was happier than I could be in being prisoner of state to a nobleman, for I took the ladies of that rank to be little better.
As I have mentioned Sir Robert Clayton, with whom I had the good fortune to become acquainted, on account of the mortgage which he helped me to, it is necessary to take notice that I had much advantage in my ordinary affairs by his advice, and therefore I called it my good fortune; for as he paid me so considerable an annual income as £700 a year, so I am to acknowledge myself much a debtor, not only to the justice of his dealings with me, but to the prudence and conduct which he guided me to, by his advice, for the management of my estate. And as he found I was not inclined to marry, he frequently took occasion to hint how soon I might raise my fortune to a prodigious height if I would but order my family economy so far within my revenue as to lay up every year something to add to the capital.
I was convinced of the truth of what he said, and agreed to the advantages of it. You are to take it as you go that Sir Robert supposed by my own discourse, and especially by my woman Amy, that I had £2000 a year income. He judged, as he said, by my way of living that I could not spend above one thousand, and so, he added, I might prudently lay by £1000 every year to add to the capital; and by adding every year the additional interest or income of the money to the capital, he proved to me that in ten years I should double the £1000 per annum that I laid by. And he drew me out a table, as he called it, of the increase, for me to judge by; and by which, he said, if the gentlemen of England would but act so, every family of them would increase their fortunes to a great degree, just as merchants do by trade; whereas now, says Sir Robert, by the humour of living up to the extent of their fortunes, and rather beyond, the gentlemen, says he, ay, and the nobility too, are almost all of them borrowers, and all in necessitous circumstances.
As Sir Robert frequently visited me, and was (if I may say so from his own mouth) very well pleased with my way of conversing with him, for he knew nothing, not so much as guessed at what I had been; I say, as he came often to see me, so he always entertained me with this scheme of frugality; and one time he brought another paper, wherein he showed me, much to the same purpose as the former, to what degree I should increase my estate if I would come into his method of contracting my expenses; and by this scheme of his, it appeared that, laying up a thousand pounds a year, and every year adding the interest to it, I should in twelve years' time have in bank one-and-twenty thousand and fifty-eight pounds, after which I might lay up two thousand pounds a year.
I objected that I was a young woman, that I had been used to live plentifully, and with a good appearance, and that I knew not how to be a miser.
He told me that if I thought I had enough it was well, but that if I desired to have more, this was the way; that in another twelve years I should be too rich, so that I should not know what to do with it.
"Ay, sir," says I, "you are contriving how to make me a rich old woman, but that won't answer my end; I had rather have £20,000 now than £60,000 when I am fifty years old."