“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, every body 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 is 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 plow would thrive,
    Himself must either hold or drive.’

And again, ’the eye of the 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 horseshoe 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.’