The Use of Money is all the Advantage there is in having Money. For ￡6 a Year you may have the Use of ￡100 if you are a Man of known Prudence1 and Honesty.
He that spends a Groat2 a day idly3, spends idly above ￡6 a year, which is the Price of using ￡100.
He that wastes idly a Groat's worth of his Time per Day, one Day with another, wastes the Privilege4 of using ￡100 each day.
He that idly loses 5 shillings'5 worth of time loses 5 shillings and might as prudently6 throw 5 shillings in the River.
He that loses 5 shillings not only loses that Sum, but all the Advantage that might be made by turning it in Dealing7, which, by the time that a young Man becomes old, amounts to8 a comfortable Bag of Money.
Again, He that sells upon Credit9, asks a Price for what he sells equivalent10 to the Principal11 and Interest of his Money for the Time he is likely to be kept out of it12: therefore He that buys upon Credit, pays Interest for what he buys. And he that pays Ready Money13 might let that Money out14 to Use; so that He that possesses any Thing he has bought, pays Interest for the Use of it.
Consider then when you are tempted15 to buy any unnecessary Household stuff16, or any superfluous17 thing, Whether you will be willing to pay Interest, and Interest upon Interest for it as long as you live; and more if it grows worse by using.
Yet, in buying goods, it is best to pay Ready Money, because, He that sells upon Credit, expects to lose 5 Per Cent by Bad Debts18; therefore he charges, on all he sells upon Credit, an Advance19 that shall make up that deficiency20.
Those who pay for what they buy upon Credit, pay their Share of this Advance.
He that pays Ready Money, escapes or may escape that Charge.
A Penny saved is Two pence clear21,
A Pin a Day is a Groat a Year.
有钱的全部好处就在于用钱。 如果你是一个审慎而诚实的人，一年六英镑就能当一百英镑使。
一天多花四便士的人，一年就浪费掉六个多英镑，这六英镑相当于一百英镑的使用价值。
每天虚度价值四便士时间的人，日复一日，就等于挥霍掉每天使用一百英镑的权利。
一个游手好闲损失了价值五先令时间的人，就等于失去了五先令，跟把五先令扔进河里没两样儿。
一个失去五先令的人，失去的不仅是那笔钱，还失去了用它们来投资可能带来的好处——等一个年轻人到了老年这些钱就会积累成一笔可观的财产。
此外，一个愿赊账的卖家，对所售货物的要价等于货物本金加暂时不能到手的那笔货款的利息。因此，一个赊账的买家，要为他所买的货物支付利息；一个用现金购物的人，却可以把那笔钱借人用做他途。所以，一个人无论花钱购得什么，都要为使用该物而支付利息。
当你受到诱惑想去买任何非必需的家庭用品，或任何不必要的东西，就要好好想一下：你是否愿意为它支付利息，并且终生为它利上加利；倘若这东西有用坏的一天，你掏得还会更多。
不过买东西时最好还是付现金。因为赊账售物的人，由于吃倒账估计会有百分之五的损失，所以会把赊售的所有货物提价，以弥补损失。
那些赊账购物的人，提价就摊在他们头上；
用现金购物的人，则不用或免去这笔钱。
省下的一便士就成了不折不扣的两便士，
每天节约一丁点儿一年就是一大笔。
1. prudence n． 审慎
2． groat n． 昔日英国的四便士银币；少许钱
3． idly adv． 浪费地
4． privilege n． 权利
5． shilling n． 先令（1971年前英国货币单位）
6． might as prudently＝might as well反正一样;还不如 prudently adv． 谨慎地
7． dealing n． 行为；交易
8． amount to 总计
9． upon(on) credit 赊购
10． equivalent adj． 相等的
11． principal n． 本金
12． be kept out of it: it指money，be kept out of．．． 被排除在外
13． ready money 现金
14． let sth． out 出租，此为借出之义
15． tempt [tempt] v． 诱惑，吸引
16． household stuff 家庭用品
17． superfluous adj． 多余的
18． bad debts 倒账，指赊卖后不能到的账款
19． advance n． 此处指预收款
20． deficiency n． 损失；不足
21． clear adv． 十足，整整