"The memory of no man is equal to the numberless items wanted in the smallest family, nor can any man's prudence be always upon the watch against an accumulating account; and when it comes to be matter of recollection or dispute, no gentleman is a match for a tradesman. He ceases to be a gentleman when he is. But this is not all, if you owe a tradesman 100l. and he owes, which is often the case, 100l. to ten different persons, and cannot pay them, there is not an honest tradesman who will not think it fair, or at least is not involuntarily led to make what you owe him an excuse to each of the ten; so that presently you pass with the world for owing ten times what you do; for all character comes from home, the rest of the world being too indolent to inquire into the truth of those whose interest it is to speak in such cases. So that besides paying interest beyond that of any rate of usury, you insensibly lose both credit, which well supported is a mine in regard to money, and character, which is equally invaluable in other respects.
"Servants are but a poor check, for the proportion of sense to folly holds good in regard to servants as much, if not more, than to any other description; and how can you expect a servant to do for you what you will not do for yourself? Besides, servants are not proper judges: they only look to expenditure. They do not know, nor is it fit they should know, the amount of your receipt, much less the whole of your affairs, and the nature of your views. The best servants love to order, each in his own department, and to make that the principal subject of expense, nor can servants be brought to tell of each other, except it be for some purpose of intrigue or cabal.[1]
"Most articles of expense may be brought to as great a degree of certainty as your receipts, and there are none which will not average themselves after a little observation.
"No man can prescribe to another the nature of his expenses, any more than the conduct of his life, as both
- ↑ As Sir Walter Raleigh and Cardinal de Retz used to say about servants. (Note by Lord Shelburne.)
