And farther, ‘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 to 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 erelong thou shalt sell thy necessaries.’  And again, ‘At a great pennyworth pause awhile;’ 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 practiced 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 greatest 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 plowman 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 in again.  Poor Dick farther 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.