JUST AS BAD ON MOTHS AS IT IS ON MEN,

and it makes a musty room smell a little better.  If you can keep out of saloons and shooting galleries, you will not play billiards or cards—­both very expensive—­you will not use tobacco, and you will be less apt to go to dances and hire livery teams.  Should you preserve yourself against these vices of our young men, you will have money without denying yourself clothes as handsome as a poor young man looks well in.  Three short years’ savings will put you in possession of a sum of money sufficient to set you to thinking about business for yourself, either with your employer or alone, for

LIFE IN AMERICA IS SHORT.

A man is a failure almost before he thinks he ought to have been considered as started.  If you have been receiving small remuneration, be assured that a capital all the smaller is needed in your town.  The market value of labor is the largest element in the problem of business.  If you worked cheap, then others will, and if they will, it is because living is cheap.  The high-priced man in the city has to be paid highly because of his expenses, not because he has taken a vow to save a large amount of money.  “He who is taught to live upon little owes more to his father’s wisdom than he that has a great deal left to him does to his father’s care,” says William Penn.  “He is a good wagoner who can turn in a little room,” says Bishop Hall.  How many a man, in getting a costly home, has found that old Franklin was right when he said it was easier to build two chimneys than to keep one in fuel.  Therefore, when you get anything,

BEWARE IT ENTAILS LITTLE EXPENSE OF KEEPING.

A horse will eat you poor; a gun will cost you a hundred guns.  Think of it when you buy them, and you will thereafter have no regrets, besides being less apt to make such purchases.  “Gain may be temporary and uncertain,” says Franklin, “but expense is constant and certain.”  “Not to be covetous is money; not to be a purchaser is income,” says Cicero.  “A fool and his money are soon parted,” says the adage.  “Live by hope, and you will die by despair,” says the Italian proverb.  Save all you can honorably.  Harness it up and make it pull also by bringing in to you a little interest.  Here will be your first real business move—­one of grave importance.  The little cloud that ariseth out of the sea, like a man’s hand, will soon cover your financial sky, and bring an abundant shower of the good things of this life.

[Illustration]

COURAGE.

     I dare do all that may become a man;
     Who dares do more is none.—­Shakspeare.