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Smiles, Samuel, 1812-1904

"Thrift"

They are unable to practise self-denial. They yield, give
way, and "enjoy themselves." The end is often defalcation, fraud, and
ruin. What is the verdict of society in such cases? "The man has been
living beyond his means." Of those who may have been entertained by him,
not one of them will thank him, not one of them will pity him, not one
of them will help him.
Every one has heard of the man who couldn't say No. He was everybody's
friend but his own. His worst enemy was himself. He ran rapidly through
his means, and then called upon his friends for bonds, bails, and
"promises to pay." After spending his last guinea, he died in the odour
of harmless stupidity and folly.
His course in life seemed to be directed by the maxim of doing for
everybody what everybody asked him to do. Whether it was that his heart
beat responsive to every other heart, or that he did not like to give
offence, could never be ascertained; but certain it is, that he was
rarely asked to sign a requisition, to promise a vote, to lend money, or
to endorse a bill, that he did not comply. He couldn't say "No;" and
there were many who knew him well, who said he had not the moral courage
to do so.
His father left him a snug little fortune, and he was at once beset by
persons wanting a share of it. Now was the time to say "No," if he
could; but he couldn't.


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