"Hunger, rags, cold, hard work, contempt, suspicion, unjust reproach, are disagreeable," says Horace Greeley; "but debt is infinitely worse than them all.”

Many a ruined man dates his downfall from the day when he began borrowing money. Debt demoralized Daniel Webster, and Theodore Hook, and Sheridan, and Fox, and Pitt. Mirabeau's life was made wretched by duns.

"Annual income," says Micawber, "twenty pounds; annual expenditure, nineteen six, result happiness. Annual income, twenty pounds; annual expenditure, twenty pounds ought and six, result - misery."

"We are ruined," says Colton, "not by what we really want, but by what we think we do. Therefore never go abroad in search of your wants; if they be real wants, they will come home in search of you; for he that buys what he does not want will soon want what he cannot buy."

The honorable course is to give every man his due. It is better to starve than not to do this. It is better to do a small business on a cash basis than a large one on credit. Que no man anything, wrote St. Paul. It is a good motto to place in every purse, in every counting-room, in every church, in every home.

"I revere the person who is riches: so I cannot think of him as alone, or poor,

or exiled, or unhappy."

CHAPTER XIII.

RICH WITHOUT MONEY.

Let others plead for pensions; I can be rich without money, by endeav oring to be superior to everything poor. I would have my services to my country unstained by any interested motive. - LORD COLLINGWOOD. Ill fares the land, to hastening ills a prey, Where wealth accumulates and men decay.

GOLDSMITH.

Pennilessness is not poverty, and ownership is not possession; to be without is not always to lack, and to reach is not to attain; sunlight is for all eyes that look up, and color for those who choose. - HELEN HUNT.

I ought not to allow any man, because he has broad lands, to feel that he is rich in my presence. I ought to make him feel that I can do without his riches, that I cannot be bought, neither by comfort, neither by pride, and although I be utterly penniless, and receiving bread from him, that he is the poor man beside me. EMERSON.

To be content with what we possess is the greatest and most secure of riches. - CICERO.

There is no riches above a sound body and no joy above the joy of the heart. ECCLESIASTES.

Where, thy true treasure? Gold says, "Not in me;"
And "Not in me," the Diamond. Gold is poor;
India's insolvent: seek it in thyself.

YOUNG.

He is richest who is content with the least, for content is the wealth of

A great heart in a little house is of all things here below that which has ever touched me most. - - LACORDAIRE.

My crown is in my heart, not on my head,
Nor decked with diamonds and Indian stones,
Nor to be seen: my crown is called content;
A crown it is, that seldom kings enjoy.

SHAKESPEAКЕ.

MANY a man is rich without money. Thousands of men with nothing in their pockets, and thousands without even a pocket, are rich.

A man born with a good, sound constitution, a good stomach, a good heart and good limbs, and a pretty good headpiece, is rich.

Good bones are better than gold, tough muscles than silver, and nerves that carry energy to every function are better than houses and land.

"Heart-life, soul-life, hope, joy, and love, are true riches," said Beecher.

Why should I scramble and struggle to get possession of a little portion of this earth? This is my world now; why should I envy others its mere legal possession? It belongs to him who can see it, enjoy it. I need not envy the so-called owners of estates in Boston and New York. They are merely taking care of my property and keeping it in excellent condition for me. For a few pennies for railroad fare whenever I wish I can see and possess the best of it all. It has cost me no effort, it gives me no care; yet the green grass, the shrubbery, and the statues on the lawns, the finer sculptures and the paintings within, are always ready for me whenever I feel a desire to look upon them. I do not wish to carry them home with me, for I could not give them half the care they now receive; besides, it would take too much of my valuable time, and I should be worrying continually lest they be spoiled or stolen. I have much of the wealth of the world now. It is all prepared for me without any pains on my part. All around me are working hard to get things that will please me, and competing to see who can give them the cheapest. The little I pay for the use of libraries, railroads, galleries, parks, is less than it would cost to care for the least of all I use. Life and landscape are mine, the stars and flowers, the sea and air, the birds and trees. What more do I want? All the ages have been working for me; all mankind are my servants.

I am

only required to feed and clothe myself, an easy task in this land of opportunity.