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The methods ofpracticing economy(实行节俭)are very simple. Spend less than you earn. That is the first rule. A portion should always be set apart for the future. The person who spends more than he earns, is a fool. The next rule is to pay ready money, and never,on any account(无论如何), to run into debt. The person who runs into debt isapt to(倾向于)get cheated; and if he runs into debt to any extent, he will himself be apt to get dishonest. "Who pays what he owes, enriches himself." The next is, never to anticipate uncertain profits by expending them before they are secured. The profits may never come, and in that case you will have taken upon yourself a load of debt which you may never get rid of. Another method of economy is, to keep a regular account of all that you earn, and of all that you expend. An orderly man will know beforehand what he requires, and will be provided with the necessary means for obtaining it. Thus his domestic budget will be balanced; and his expenditure kept within his income. It is difficult to fix the precise limits of economy. Bacon says that if a man would live well within his income, he ought not to expend more than one half, and save the rest. This is perhaps too exacting; and Bacon himself did not follow his own advice. What proportion of one’s income should be expended on rent? That depends upon circumstances. | 
