again I would warn you to keep in view the more pressing wants that may arise in the future.  The gratification in which you are now indulging yourself may be a perfectly innocent one; but are you quite sure that you are not expending more money than you can prudently, or, to speak better, conscientiously afford, on that which offers only a temporary gratification, and involves no improvement or permanent benefit?  You certainly are not sufficiently rich to indulge in any merely temporary gratification, except in extreme moderation.  With relation to that part of your income which is varying and uncertain, I have observed that it is a very common temptation assailing the generous and thoughtless, (about money matters, often those who are least thoughtless about other things,) that there is always some future prospect of an increase of income, which is to free them from present embarrassments, and enable them to pay for the enjoyment of all those wishes that they are now gratifying.  It is a future, however, that never arrives; for every increase of property brings new claims or new wants along with it; and it is found, too late, that, by exceeding present income, we have destroyed both the present and the future, we have created wants which the future income will find a difficulty in supplying, having in addition its own new ones to provide for.

It may indeed in a few, a very few, cases be necessary, in others expedient, to forestall that money which we have every certainty of presently possessing; but unless the expenditure relates to particulars coming under the term of “daily bread,” it appears to me decided dishonesty to lay out an uncertain future income.  Even if it should become ours, have we not acted in direct contradiction to the revealed will of God concerning us?  The station of life in which God has placed us depends very much on the expenditure within our power; and if we double that, do we not in fact choose wilfully for ourselves a different position from that which he has appointed, and withdraw from under the guiding hand of his providence?  Let us not hope that even temporal success will be allowed to result from such acts of disobedience.

What a high value does it stamp on the virtue of economy, when we thus consider it as one of the means towards enabling us to submit ourselves to the will of God!

I cannot close a letter to a woman on the subject of economy without referring to the subject of dress.  Though your strongest temptations to extravagance may be those of a generous, warm heart, I have no doubt that you are also, though in an inferior degree, tempted by the desire to improve your personal appearance by the powerful aid of dress.  It ought not to be otherwise; you should not be indifferent to a very important means of pleasing.  Your natural beauty would be unavailing unless you devoted both time and care to its preservation and adornment.  You should be solicitous to win the affection of those around