Journal of Dr GFW

Why some men are miserably poor and have no particular vice that devours all they earn while they labor night and day. This may be owing to several causes. A man may toil for years and receive a good compensation for his labor, and unless he be very judicious in his expenditures he will have nothing. Let him spend a sixpence at some and every collection he may be at, and it seems but a small sum, but this is not all he has lost or wasted. There is the time spent, probably work more than four times the money, and now let him pay a dollar for that which can do him no good, and do this every few days, and the time lost in getting them and in the course of a year, he is in debt. Everyone should keep a Book in which every article purchased should be set down and the time spent in getting them and this Book should be frequently examined and act in these matters accordingly.