diligent and induftrious in his calling, and not flothful in his bufinefs.

II. As he must be diligent and industrious to get it, fo fecondly, he must also be careful to keep it; for if a man be never fo induftrious in getting money, yet if he be not careful in keeping it, all that he does will be to no more purpose, than Margery Good-cow's giving a good meal of milk, and afterwards kicking it down with her heels. But I need fay the lefs upon this head, because it is not cafy to imagine, that he that has been diligent in getting money, fhould be carelefs in keeping it : for unless it be your common failors, there is few that are guilty herein. 'Tis true, there is none that labour more, or venture farther than they; and yet there is very few that are more careless of keeping it, and lefs cautious in fpending it. The contrary evil is more prevalent among us, I mean of perfons that have been very diligent in amaffing up of treasure together; which when they have got, they are fo careful to keep, that they have not an heart to lay it out about their neceffary occafions; and know no other ufe of money, but only the having it: thefe are men that carry no money in their pockets, for fear they fhould lofe it; but their chefts are crammed with it: these are fuch as will make the Queen's Collectors come often for their public taxes, not because they have not money, but because it goes to their hearts to think of parting with it; and had rather venture the French King's coming to take it all, than to part with any for the defence of the Nation. Indeed it is to fuch hoarders up of money as thefe, that we owe the present scarcity of it: for whatever comes into fuch men's clutches, never circulates in trade, nor fees the light again, until its owners eyes are closed for ever. And therefore one aptly compared the money fo heaped up in chefts to

dung.

dung, which while it lies upon a heap, is of no manner of advantage; but when difperfed and cast abroad, make fruitful all the fields 'tis thrown upon. It was upon this account, that Ariftotle pronounced the Prodigal Spendthrift a greater benefactor to his country, than the gripping Mifer; because every trade and vocation fared the better for him; as the Taylor, Haberdasher, Vintner, Shoemaker, Hoftler, &c.

The

The covetous person is acquainted with none of thefe; for instead of fattin, he fuits himfelf with facking; he trembles as he paffeth by a Taverndoor, to hear a reckoning of eight fhillings fent up into the Half Moon, for Wine, Oysters and Faggots; for his own natural drink (you must know) is between that the frogs drink, and a kind of pitiful small beer, too bad to be drunk, and somewhat too good to drive a water-mill. Haberdasher gets as little by him, as he did by a Gentleman of Sudbury in Suffolk, who when he had worn a hat eight and thirty years, would have petitioned the Parliament againft Haberdafhers for abufing the country, in making their ware fo flight: for the Shoe-maker, he hath as little to do with him, as ever Tom Coryat had: for Sempfters, perhaps he may love their faces better than their fashions: for Plays, if he read but their titles upon a poft, he hath enough. Ordinaries he knows none, fave fome of three-pence in Black-horfeAlley, and fuch places. For Tapfters, and Hoftlers, they hate him as hell, as not seeing a mote in his cup once in feven years. miferable mafter fupped himself and his man at the Inn with a quart of milk.

This

Again, There is alfo many other men loath to part with money in these ticklish times, being defirous, if the worst should happen, to have their friends about them, as Sir Thomas Moore faid,

(filling

(filling his pocket with gold) when he was carried to the Tower.

Arguments to keep Money.

ALL people complain generally (as I have already faid) of the want of money, which like an epidemical difeafe, hath over-run the whole land; the city hath little trading; Country-farmers complain of their Rents yearly raised, by their Landlords, and yet can find no utterance for their commodities, or muft fell them at under-rates. Scholars without money get neither Patrons nor Preferment; Mechanick Artists no work, and the like of other profeffions. One very well compared worldly Wealth, or Money, unto a Football, fome few nimble heeled and light-headed run quite away with it, when the most are only lookers on, and cannot get a kick at it in all their lives. Therefore keep your money.

For go but among the Ufurers in their walks in Moorfields, and fee if you can borrow an hundred pounds of any of them without a treble fecurity, with the ufe one way or other doubled; and as yourfelf, fo muft your eítate be particularly known. A pleasant fellow came not long fince to one of them, and defired him that he would lend him fifty pounds: quoth the Ufurer, My Friend, I know ye not for that reafon only I would borrow the money of you, faid he; for if you knew me, I am fure you would not lend me a penny.

A country Tenant meeting with his miferable Landlord in the Term-time, did offer him the courtefy of a pint of fack; to whom the Landlord faid, Be a good husband, and fave one fixpence, and give me the other, and I will take it as kindly, as if you had spent the whole twelve-pence.

Another

:

Another meets a Creditor of his in Fleet-ftreet, who feeing his old Debtor, Oh Mafier. Aye quoth he, You are met in good time, you know there is money. between us, and hath been a long time, and now it is become a fcarce commodity: It is true, Sir, quoth the other? (He looking down upon the stones that were between) for in good faith I fee none and this was all the Citizen could get at that time but afterward he was well fatisfied.

Whom would it not vex, to be indebted to many of your fhopkeepers, who though they have had their bill truly paid them, for many years together, yet upon the smallest diftafte, or a petty mistake in reckoning, or fome remnant behind, fhall be called upon. openly railed at, by their impudent and clamorous Wives, infulted over, and laftly arrefted; which fhould, methinks, teach every young Fashion-monger, either to keep himfelf out of debt, or money in his purse, to provide Cerberus a fop. But at fometimes money when it is due unto you by your own labour or defert, is kept from you by fome rich, miferable, or powerful man or other, till after a long waiting day by day. and hourly attendance at his house or lodging; you not only lose your time and opportunity of getting it elsewhere, and when all his done, must be glad to take five in the hundred, or elfe fair and candid promifes, which will enrich you ftraight, Promiffis dives quilibit effe proteft. If words and promises would pass for coin, there would be no man poor. And fome men there are of that currifh and inhuman nature, whom if you fhall importune through urgent neceffity, then are you in danger to lofe both your monies and their favours for ever. Therefore be careful to keep your

money.

For would you prefer and place your fon in the Univerfity? Let him deferve never fo well, as

being an able and ready grammarian, yea, captain of his form, you fhall very hardly prefer him, without great friends joined with your great purfe; for thofe juft and charitable times, wherein defert feldom went about without its due, are gone; the like I may fay of the city, where, if the trade be any thing like, you cannot place your fon under threefcore or an hundred pounds, though by nature he was (as many are) made for the fame, and of wit and capacity never fo pregnant. Therefore keep your money.

Or have you a daughter by birth well defcended, virtuous, chaste, fair and comely; endued with the beft commendable qualities, that may be required in a young, beautiful, and modeft maid, if you have not been in your life-time thrifty, to provide her a portion, fhe may live till fhe is as old as Greufa, or the Nurfe of Æneas, e'er you fhall get her a good match.

Money's a Queen that doth bestow,

Beauty and birth to high and low.

It is as true as old: hence the Dutch have a proverb, that Gentility and fair Looks buy nothing in the market.

If you happen to be fick or ill, if your purfe hath been lately purged, the Doctor is not at leifure to vifit you; yea, hardly your neighbours and familiar friends; but unto monied and rich men they fly as bees to the willow-palms; and many times, they have the judgment of fo many, that the fick is in more danger of them, than his difeafe.

A good and painful scholar, having lately taken his orders, fhall be hardly able to open a churchdoor without a golden key, when he fhould ring his bells: hence it cometh to pafs, that fo many

of