'Women and wine, game and deceit,
Make the wealth small, and the want great.
"And, further, 'What maintains one vice, would bring up two children.' You may think, perhaps, that a little tea, or a little punch 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 what poor Richard says—'Many a little makes a mickle;' and further, 'Beware of little expenses; a small leak will sink a great ship;' and again, 'Who dainties love shall beggars prove;' and moreover, 'Fools make feasts, and wise men eat them.'
"Here you are all got together at 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. Remember what poor Richard says—'Buy what thou hast no need of, and ere long thou shalt sell thy necessaries.' And again, 'At a great pennyworth pause awhile.' He means, that perhaps the cheapness is apparent only, or 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 ruined by buying good pennyworths.' Again, as poor Richard says, 'It is foolish to lay out money in a purchase of repentance:' and yet this folly is practised every day at auctions, for want of minding the Almanac. 'Wise men (as poor Dick says) learn by others' harms, fools scarcely by their own; but Felix quem faciunt aliena pericula cautum.' Many a one, for the sake of finery on the back, have gone with a hungry belly, and half starved their families: 'Silk and satins, scarlet and velvets (as poor Richard says), put out the kitchen fire.' These are not the necessaries of life; they can scarcely be called the conveniences; and yet only because they look pretty, how many want to have them! The artificial wants of mankind thus become more numerous than the natural; and as poor Dick says, 'For one poor person there are a hundred indigent.' 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, 'A ploughman on his legs is higher than a gentleman on his knees,' as poor Richard says. Perhaps they have 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.' 'A child and a fool (as poor Richard says) imagine twenty shillings and twenty years can never be spent; but always be taking out of the meal-tub, and never putting in, soon comes to the bottom:' then, as poor Dick says, 'When the well is dry, they know the worth of water.' 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; and, indeed, so does he that lends to such people, when he goes to get it in again.' Poor Dick further advises, and says,
'Fond pride of dress is sure a very curse:
Ere fancy you consult, consult your purse.'
And again, 'Pride is as loud a beggar as Want, and a great deal more saucy.' 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, 'It 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 the frog to swell in order to equal the ox.
'Vessels large may venture more,
But little boats should keep near shore.'
'Tis, however, a folly soon punished; for 'Pride that dines on vanity, sups on contempt,' as poor Richard says. And in another place, 'Pride breakfasted with Plenty, dined with Poverty, and supped with Infamy.' And, after all, of what use is this pride of appearance, for which so much is risked, so much is suffered? It cannot promote health, or ease pain; it makes no increase of merit in the person; it hastens misfortune.