Remember this Saying, _That the good Paymaster is Lord of
another Man's Purse_. He that is known to pay punctually and exactly
to the Time he promises, may at any Time, and on any Occasion, raise
all the Money his Friends can spare. This is sometimes of great Use:
Therefore never keep borrow'd Money an Hour beyond the Time you
promis'd, lest a Disappointment shuts up your Friends Purse forever.
The most trifling Actions that affect a Man's Credit, are to be
regarded. The Sound of your Hammer at Five in the Morning or Nine at
Night, heard by a Creditor, makes him easy Six Months longer. But if
he sees you at a Billiard Table, or hears your Voice in a Tavern,
when you should be at Work, he sends for his Money the next Day.
Finer Cloaths than he or his Wife wears, or greater Expence in any
particular than he affords himself, shocks his Pride, and he duns you
to humble you. Creditors are a kind of People, that have the
sharpest Eyes and Ears, as well as the best Memories of any in the
World.
Good-natur'd Creditors (and such one would always chuse to deal
with if one could) feel Pain when they are oblig'd to ask for Money.
Spare 'em that Pain, and they will love you. When you receive a Sum
of Money, divide it among 'em in Proportion to your Debts. Don't be
asham'd of paying a small Sum because you owe a greater. Money, more
or less, is always welcome; and your Creditor had rather be at the
Trouble of receiving Ten Pounds voluntarily brought him, tho' at ten
different Times or Payments, than be oblig'd to go ten Times to
demand it before he can receive it in a Lump.
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