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On Debt

   Live within your means.

   A man in debt is caught in a net.

   First comes owing, and then comes lying.

   It is hard to pay for bread that has been eaten.

   Debt is the worst poverty.

   Debt is an evil conscience.

   Debt is the secret foe of thrift, as vice and idleness are its 
   open foes.  The debt-habit is the twin brother of poverty.

                                                  T. T. Munger

   Run not into debt, either for wares sold, or money borrowed;  
   be content to want things that are not of absolute necessity, 
   rather than to run up the score;  such a man pays, at the 
   latter end, a third part more than the principal, and is in 
   perpetual servitude to his creditors;  lives uncomfortably;  is 
   necessitated to increase his debts to stop his creditors 
   mouths;  and many times falls into desperate courses.

                                                Sir M. Hale

   I have discovered the philosopher's stone that turns everything 
   into gold:  it is "Pay as you go." 

                                                John Randolph

   Think what you do when you run into debt;  you give to another 
   power over your liberty.  If you cannot pay at the time, you 
   will be ashamed to see your creditor;  will be in fear when you 
   speak to him;  will make poor, pitiful, sneaking excuses, and 
   by degrees come to lose your veracity, and sink into base 
   downright lying;  for the second vice is lying, the first is 
   running in debt.  A freeborn man ought not to be ashamed nor 
   afraid to see or speak to any man living, but poverty often 
   deprives a man of all spirit and virtue.  It is hard for an 
   empty bag to stand upright. 


   Paying of debts is, next to the grace of God, the best means of 
   delivering you from a thousand temptations to vanity and sin.  
   Pay your debts, and you will not have wherewithal to buy 
   costly toys or pernicious pleasures.  Pay your debts and you 
   will not have what to lose to a gamester.  Pay your debts, and 
   you will of necessity abstain from many indulgences that war 
   against the spirit and bring you into captivity to sin, and 
   cannot fail to end in your utter destruction, both of soul and 


   "Out of debt, out of danger," is, like many other proverbs, 
   full of wisdom;  but the word danger does not sufficiently 
   express all that the warning demands.  For a state of debt and 
   embarrassment is a state of positive misery, and the sufferer 
   is as one haunted by an evil spirit, and his heart can know 
   neither rest nor peace till it is cast out. 


   A man who owes a little can clear it off in a little time, and 
   if he is prudent, will;  whereas a man who, by long negligence,  
   owes a great deal, despairs of ever being able to pay, and 
   therefore never looks into his accounts at all. 


   A small debt produces a debtor;  a large one, an enemy. 

                                       Publius Syrus

   Debt is to a man what the serpent is to the bird;  its eye 
   fascinates, its breath poisons, its coil crushes sinew and 
   bones, its jaw is the pitiless grave. 

   There is no surer test of integrity than a well-proportioned 
                                                  H. More

   Better to go to bed supperless than rise in debt. 

   Be not made a beggar by banqueting upon borrowing. 

   If you pay what you owe, 
     what you are worth you will know. 


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