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XXII: THE WAY TO WEALTH

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as clearly shown in the preface of an old almanac entitled “poor richard improved” Ref. 015

Richard Saunders

Courteous Reader:

I have heard that nothing gives an author so great pleasure as to find his works respectfully quoted by others. Judge, then, how much I must have been gratified by an incident I am going to relate to you. I stopped my horse lately where a great number of people were collected at an auction of merchants’ goods. The hour of the sale not being come, they were conversing on the badness of the times; and one of the company called to a plain, clean, old man, with white locks: “Pray, Father Abraham, what think you of the times? Will not these heavy taxes quite ruin the country? How shall we ever be able to pay them? What would you advise us to do?” Father Abraham stood up and replied: “If you would have my advice, I will give it you in short; for A word to the wise is enough, as Poor Richard says.” They joined in desiring him to speak his mind, and gathering round him he proceeded as follows:

“Friends,” said he, “the taxes are indeed very heavy, and if those laid on by the government were the only ones we had to pay, we might more easily discharge them, but we have many others and much more grievous to some of us. We are taxed twice as much by our idleness, three times as much by our pride, and four times as much by our folly, and from these taxes the commissioners cannot ease or deliver us by allowing an abatement. However, let us hearken to good advice and something may be done for us; God helps them that help themselves, as Poor Richard says.

I. It would be thought a hard government that should tax its people one-tenth part of their time, to be employed in its service, but idleness taxes many of us much more; sloth by bringing on diseases, absolutely shortens life. Sloth, like rust, consumes faster than labor wears, while the used key is always bright, as Poor Richard says. But dost thou love life, then do not squander time, for that is the stuff life is made of, as Poor Richard says. How much more than is necessary do we spend in sleep, forgetting that The sleeping fox catches no poultry, and that There will be sleeping enough in the grave, as Poor Richard says.

If time be of all things the most precious, wasting time must be, as Poor Richard says, the greatest prodigality, since, as he elsewhere tells us, Lost time is never found again, and what we call time enough always proves little enough. Let us then up and be doing, and doing to the purpose; so by diligence shall we do more with less perplexity. Sloth makes all things difficult, but industry all things easy; and He that riseth late must trot all day, and shall scarce overtake his business at night; while Laziness travels so slowly that Poverty soon overtakes him. Drive thy business, let not that drive thee; and Early to bed and early to rise, makes a man healthy, wealthy, and wise, as Poor Richard says.

“So what signifies wishing and hoping for better times? We may make these times better if we bestir ourselves. Industry need not wish, and he that lives upon hopes will die fasting. There are no gains without pains; then help, hands, for I have no lands; or if I have they are smartly taxed. He that hath a trade hath an estate, and he that hath a calling hath an office of profit and honor, as Poor Richard says; but then the trade must be worked at and the calling followed, or neither the estate nor the office will enable us to pay our taxes. If we are industrious we shall never starve, for At the working man’s house hunger looks in but dares not enter. Nor will the bailiff nor the constable enter, for Industry pays debts, while despair increaseth them. What though you have found no treasure, nor has any rich relation left you a legacy, Diligence is the mother of good luck, and God gives all things to industry. Then plough deep while sluggards sleep, and you shall have corn to sell and to keep. Work while it is called to-day, for you know not how much you may be hindered to-morrow. One to-day is worth two to-morrows, as Poor Richard says; and further, Never leave that till to-morrow which you can do to-day. If you were a servant would not you be ashamed that a good master should catch you idle? Are you then your own master? Be ashamed to catch yourself idle when there is so much to be done for yourself, your family, your country, and your king. Handle your tools without mittens; remember that The cat in gloves catches no mice, as Poor Richard says. It is true there is much to be done, and perhaps you are weak-handed, but stick to it steadily and you will see great effects; for Constant dropping wears away stones; and By diligence and patience the mouse ate in two the cable; and Little strokes fell great oaks.

“Methinks I hear some of you say, ‘Must a man afford himself no leisure?’ I will tell thee, my friend, what Poor Richard says: Employ thy time well, if thou meanest to gain leisure; and, since thou art not sure of a minute, throw not away an hour. Leisure is time for doing something useful; this leisure the diligent man will obtain, but the lazy man never; for A life of leisure and a life of laziness are two things. Many, without labor, would live by their wits only, but they break for want of stock; whereas industry gives comfort and plenty and respect. Fly pleasures, and they will follow you. The diligent spinner has a large shift; and now I have a sheep and a cow, everybody bids me good morrow.

“II. But with our industry we must likewise be steady, settled, and careful, and oversee our own affairs with our own eyes, and not trust too much to others; for, as Poor Richard says:


I never saw an oft removed tree,

Nor yet an oft-removed family,

That throve so well as those that settled be.


And again, Three removes are as bad as a fire; and again, Keep thy shop, and thy shop will keep thee; and again: If you would have your business done, go; if not, send. And again:


He that by the plough would thrive,

Himself must either hold or drive.


And again, The eye of a master will do more work than both his hands; and again, Want of care does us more damage than want of knowledge; and again, Not to oversee workmen is to leave them your purse open. Trusting too much to others’ care is the ruin of many; for, In the affairs of this world men are saved, not by faith, but by the want of it; but a man’s own care is profitable; for, If you would have a faithful servant, and one that you like, serve yourself. A little neglect may breed great mischief; for want of a nail the shoe was lost; for want of a shoe the horse was lost; and for want of a horse the rider was lost, being overtaken and slain by the enemy; all for want of a little care about a horse-shoe nail.

“III. So much for industry, my friends, and attention to one’s own business; but to these we must add frugality, if we would make our industry more certainly successful. A man may, if he knows not how to save as he gets, keep his nose all his life to the grindstone and die not worth a groat at last. A fat kitchen makes a lean will; and


Many estates are spent in the getting,

Since women for tea forsook spinning and knitting,

And men for punch forsook hewing and splitting.

If you would be wealthy, think of saving as well as of getting. The Indies have not made Spain rich, because her outgoes are greater than her incomes.

“Away then with your expensive follies, and you will not then have so much cause to complain of hard times, heavy taxes, and chargeable families; for


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, Many a little makes a mickle. Beware of little expenses: A small leak will sink a great ship, as Poor Richard says; 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 knick-knacks. 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 a while. He means, that perhaps the cheapness is apparent only, and 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, 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. Many a one, for the sake of finery on the back, have gone with a hungry belly and half-starved their families. Silks and satins, scarlet and velvets, put out the kitchen fire, as Poor Richard says.

“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! 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 that 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; but Always taking out of the meal-tub, and never putting in, soon comes to the bottom, as Poor Richard says; and then, 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, as Poor Richard says; and indeed so does he that lends to such people, when he goes to get it 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 for the frog to swell in order to equal the ox.


Vessels large may venture more,

But little boats should keep near shore.


It is, however, a folly soon punished; for, as Poor Richard says, Pride that dines on vanity sups on contempt. 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, nor ease pain; it makes no increase of merit in the person; it creates envy; it hastens misfortune.

“But what madness must it be to run in debt for these superfluities! We are offered by the terms of this sale six months’ credit; and that, perhaps, has induced some of us to attend it, because we cannot spare the ready money, and hope now to be fine without it. But ah! think what you do when you run in debt; you give to another power over your liberty. If you cannot pay at the time, you will be ashamed to see your creditor; you will be in fear when you speak to him; you will make poor, pitiful, sneaking excuses, and by degrees come to lose your veracity, and sink into base, downright lying; for, The second vice is lying, the first is running in debt, as Poor Richard says; and again, to the same purpose, Lying rides upon Debt’s back; whereas a free-born Englishman ought not to be ashamed nor afraid to see or speak to any man living. But poverty often deprives a man of all spirit and virtue. It is hard for an empty bag to stand upright.

“What would you think of that prince or of that government who should issue an edict forbidding you to dress like a gentleman or gentlewoman, on pain of imprisonment or servitude? Would you not say that you were free, have a right to dress as you please, and that such an edict would be a breach of your privileges, and such a government tyrannical? And yet you are about to put yourself under such tyranny when you run in debt for such dress! Your creditor has authority, at his pleasure, to deprive you of your liberty by confining you in gaol till you shall be able to pay him. When you have got your bargain you may perhaps think little of payment, but, as Poor Richard says, Creditors have better memories than debtors; creditors are a superstitious sect, great observers of set days and times. The day comes round before you are aware, and the demand is made before you are prepared to satisfy it; or, if you bear your debt in mind, the term, which at first seemed so long, will, as it lessens, appear extremely short. Time will seem to have added wings to his heels as well as his shoulders. Those have a short Lent who owe money to be paid at Easter. At present, perhaps, you may think yourselves in thriving circumstances, and that you can bear a little extravagance without injury, but—


For age and want save while you may;

No morning sun lasts a whole day.


Gain may be temporary and uncertain, but ever, while you live, expense is constant and certain; and It is easier to build two chimneys than to keep one in fuel, as Poor Richard says; so, Rather go to bed supperless than rise in debt.


Get what you can, and what you get hold;

’T is the stone that will turn all your lead into gold.


And, when you have got the Philosopher’s stone, sure you will no longer complain of bad times or the difficulty of paying taxes.

“IV. This doctrine, my friends, is reason and wisdom; but, after all, do not depend too much upon your own industry and frugality and prudence, though excellent things, for they may all be blasted, without the blessing of Heaven; and therefore ask that blessing humbly, and be not uncharitable to those that at present seem to want it, but comfort and help them. Remember Job suffered and was afterwards prosperous.

“And now, to conclude, Experience keeps a dear school, but fools will learn in no other, as Poor Richard says, and scarce in that, for it is true We may give advice, but we cannot give conduct. However, remember this, They that will not be counselled cannot be helped; and further, that If you will not hear Reason, she will surely rap your knuckles, as Poor Richard says.”

Thus the old gentleman ended his harangue. The people heard it and approved the doctrine, and immediately practised the contrary, just as if it had been a common sermon; for the auction opened, and they began to buy extravagantly. I found the good man had thoroughly studied my Almanacs, and digested all I had dropped on these topics during the course of twenty-five years. The frequent mention he made of me must have tired any one else, but my vanity was wonderfully delighted with it, though I was conscious that not a tenth part of the wisdom was my own which he ascribed to me, but rather the gleanings that I had made of the sense of all ages and nations. However, I resolved to be the better for the echo of it, and though I had at first determined to buy stuff for a new coat, I went away resolved to wear my old one a little longer. Reader, if thou wilt do the same thy profit will be as great as mine. I am, as ever, thine to serve thee,

Richard Saunders.

Speaking of the prefaces to Poor Richard’s Almanacs Mr. Parton says Ref. 016:

“Year after year they play upon Titan Leeds, in whose name a rival almanac, once published by Keimer, annually appeared. Mr. Richard Saunders (Poor Richard) begins his first preface by avowing that his motive in publishing an almanac is not at all a disinterested one. ‘The plain truth of the matter is,’ said Richard, ‘I am excessive poor, and my wife, good woman, is, I tell her, excessive proud; she cannot bear, she says, to sit spinning in her shift of tow, while I do nothing but gaze at the stars; and has threatened more than once to burn all my books and rattling-traps (as she calls my instruments) if I do not make some profitable use of them for the good of my family. The printer has offer’d me some considerable share of the profits, and I have thus began to comply with my dame’s desire.’ Long ago, he continues, he would have given the world an almanac, but for the fear of injuring his friend and fellow-student, Titan Leeds. ‘But this obstacle (I am far from speaking it with pleasure) is soon to be removed, since inexorable death, who was never known to respect merit, has already prepared the mortal dart, the fatal sister has already extended her destroying shears, and that ingenious man must soon be taken from us. He dies, by my calculation, made at his request, on October 17, 1733, 3 ho., 29 m., P.M., at the very instant of the ♂ of ☉ and ☿. By his own calculation he will survive till the 26th of the same month. This small difference between us we have disputed whenever we have met these nine years past; but at length he is inclined to agree with my judgment. Which of us is most exact a little time will now determine. As, therefore, these Provinces may not longer expect to see any of his performances after this year, I think myself free to take up the task.’

The next year he joyfully acknowledged the success of his almanac, through which his wife had been able to buy a pot of her own instead of being obliged to borrow one; and they had got something to put into it. ‘She has also got a pair of shoes, two new shifts, and a new warm petticoat; and for my part I have bought a second-hand coat, so good that I am not now ashamed to go to town or be seen there. These things have render’d her temper so much more pacifick than it us’d to be, that I may say I have slept more, and more quietly, within this last year than in the three foregoing years put together.’ Returning to Titan Leeds, he says he cannot positively say whether he is dead or alive, since he was unable to be present at the closing scene. ‘The stars,’ he observes, ‘only show to the skilful what will happen in the natural and universal chain of causes and effects; but ’t is well known that the events which would otherwise certainly happen at certain times in the course of nature, are sometimes set aside or postpon’d, for wise and good reasons, by the immediate particular dispositions of Providence; which particular dispositions the stars can by no means discover or foreshow. There is, however (and I cannot speak it without sorrow), there is the strongest probability that my dear friend is no more; for there appears in his name, as I am assured, an Almanack for the year 1734, in which I am treated in a very gross and unhandsome manner; in which I am called a false predicter, an ignorant, a conceited scribbler, a fool, and a lyar. Mr. Leeds was too well bred to use any man so indecently and so scurrilously, and, moreover, his esteem and affection for me was extraordinary; so that it is to be feared that pamphlet may be only a contrivance of somebody or other who hopes, perhaps, to sell two or three years’ Almanacks still by the sole force and virtue of Mr. Leeds’s name.’

In next year’s preface the fooling is still more exquisite: ‘Having received much abuse from Titan Leeds deceased (Titan Leeds, when living, would not have used me so); I say, having received much abuse from the ghost of Titan Leeds, who pretends to be still living, and to write almanacks in spight of me and my predictions, I cannot help saying that tho’ I take it patiently, I take it very unkindly. And whatever he may pretend, ’t is undoubtedly true that he is really defunct and dead. First, because the stars are seldom disappointed; never but in the case of wise men, sapiens dominabitur astris, and they foreshowed his death at the time I predicted it. Secondly, ’t was requisite and necessary he should die punctually at that time for the honor of astrology, the art professed both by him and his father before him. Thirdly, ’t is plain to every one that reads his two last almanacks (for 1734 and ’35) that they are not written with that life his performances used to be written with: the wit is low and flat; the little hints dull and spiritless; nothing smart in them but Hudibras’s verses against astrology at the heads of the months in the last, which no astrologer but a dead one would have inserted, and no man living would or could write such stuff as the rest.’

Titan Leeds retorted by saying that there was not and never had been such a person as Richard Saunders; to which, next year, Franklin humourously replied. One preface purported to be written by Bridget Saunders, the wife of Poor Richard, and another contained a long letter from the departed spirit of Titan Leeds, assuring his old friend that he did die at the time predicted by him.

From the numbers of Poor Richard that are accessible, I select, as specimens of its proverbial philosophy, the following:


‘Love well, whip well.’

‘The proof of gold is fire; the proof of a woman, gold; the proof of a man, a woman.’

‘There is no little enemy.’

‘A new truth is a truth; an old error is an error.’

‘Drink water; put the money in your pocket, and leave the dry belly-ache in the punch-bowl.’

‘Necessity never made a good bargain.’


‘Three may keep a secret, if two of them are dead.’

‘Deny self for self’s sake.’

‘Keep thy shop and thy shop will keep thee.’

‘Opportunity is the great bawd.’

‘Here comes the orator with his flood of words and his drop of reason.’

‘Sal laughs at every thing you say; why? because she has fine teeth.’

‘An old young man will be a young old man.’

‘He is no clown that drives the plough, but he that does clownish things.’

‘Forewarned, forearmed.’

‘Fish and visitors smell in three days.’

‘Diligence is the mother of good luck.’

‘Wealth is not his that has it, but his that enjoys it.’

‘Let thy maid-servant be faithful, strong, and homely.’

‘He that can have patience can have what he will.’

‘Don’t throw stones at your neighbors, if your own windows are glass.’

‘Good wives and good plantations are made by good husbands.’

‘God heals, the doctor takes the fee.’

‘The noblest question in the world is, what good may I do in it?’

‘There are three faithful friends, an old wife, an old dog, and ready money.’

‘Who has deceived thee so oft as thyself?’

‘Fly pleasures, and they ’ll follow you.’


‘Hast thou virtue? acquire also the graces and beauties of virtue.’

‘He that would have a short Lent, let him borrow money to be repaid at Easter.’

‘Keep your eyes wide open before marriage; half shut afterwards.’

‘As we must account for every idle word, so we must for every idle silence.’

‘Search others for their virtues, thyself for thy vices.’

‘Grace thou thy house, and let not that grace thee.’

‘Let thy child’s first lesson be obedience, and the second will be what thou wilt.’

‘Let thy discontents be thy secrets.’

‘Industry need not wish.’

‘Happy that nation, fortunate that age whose history is not diverting.’

‘To bear other people’s afflictions, every one has courage enough and to spare.’

‘There are lazy minds as well as lazy bodies.’

‘Tricks and treachery are the practice of fools that have not wit enough to be honest.’

‘Let no pleasure tempt thee, no profit allure thee, no ambition corrupt thee, no example sway thee, no persuasion move thee to do any thing which thou knowest to be evil; so shalt thou always live jollily, for a good conscience is a continual Christmas.’

A large part of the contents of Poor Richard is rhyme, and rhyme too generally of an indifferent quality. The following specimens are much above the average:


Altho’ thy teacher act not as he preaches,

Yet ne’ertheless, if good, do what he teaches;

Good counsel, failing men may give, for why?

He that ’s aground knows where the shoal doth lie.

My old friend Berryman oft, when alive,

Taught others thrift, himself could never thrive.

Thus like the whetstone, many men are wont

To sharpen others while themselves are blunt.


Syl. dreamt that bury’d in his fellow clay,

Close by a common beggar’s side he lay;

And, as so mean a neighbour shock’d his pride,

Thus, like a corpse of consequence, he cry’d:

Scoundrel, begone; and henceforth touch me not;

More manners learn; and, at a distance, rot.

How! scoundrel! in a haughtier tone cry’d he:

Proud lump of dirt, I scorn thy words and thee;

Here all are equal; now thy case is mine;

This is my rotting place, and that is thine.


When Robin now three days had married been,

And all his friends and neighbours gave him joy,

This question of his wife he asked then,

Why till her marriage day she proved so coy?

Indeed, said he, ’t was well thou didst not yield,

For doubtless then my purpose was to leave thee:

O, sir, I once before was so beguil’d,

And was resolved the next should not deceive me.

The Works of Benjamin Franklin, Volume 2

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