Mr. George adopted the plan of giving or receiving a due bill in all cases where he borrowed money of Rollo or lent money to him, in order to accustom Rollo to transact all his business in a regular and methodical manner, and to avoid the possibility of any mistake or any difference of opinion between them in respect to the question whether the money was actually borrowed, or whether it had not been repaid. I strongly recommend to all the readers of this book to adopt some such plan as this in all their pecuniary transactions with others, whether they are great or small, and to adhere to it very rigidly. This rule is especially important when the parties having pecuniary transactions with each other are friends; and the
more intimate their friendship is, the more important is this rule.
It is true, it would not be polite and proper for you to ask for such a memorandum of a friend to whom you casually lend some small sum, but you can always offer it when you borrow; and in all cases, where you have frequent dealings of this kind with any person, you can agree upon this plan beforehand, as a general rule.
But let us return to Rollo and the watch chain.
"Well," said Mr. George, after some hesitation, "I am by no means sure that it would not be a good plan for you to buy the watch chain. A gold chain is an article of permanent and intrinsic value. It will last a very long time. Perhaps you would get as much enjoyment from it as from any thing you could buy with that money. At any rate, the money is your own; you have saved it from your travelling expenses by your prudence and economy; and it is right for you to expend it as you take a fancy. If you take a fancy to the chain, I do not know why it would not be a good purchase."
"I think I should like the chain very much," said Rollo.
"Let us see," said Mr. George, in a musing sort of tone; "there is another way to look at these questions. What is the interest of eight dollars and a half?"
"I don't know," said Rollo. "How much is it?"
"Let me see," said Mr. George; "seven times six are forty-two—say fifty; and then we must add something for wear, and tear, and depreciation. I should think," he added, after a moment's reflection, "that the chain would cost you about sixty cents a year, as long as you keep it."