Promises make debt, and debt makes promises.
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Live within your means, never be in debt, and by husbanding your money you can always lay it out well.
Let us live is as small a circle as we will, we are either debtors or creditors before we have had time look around.
Annual income twenty pounds, annual expenditure nineteen six, result happiness. Annual income twenty pounds, annual expenditure twenty pound ought and six, result misery.
A creditor is worse than a slave-owner; for the master owns only your person, but a creditor owns your dignity, and can command it.