AVOID DEBT

 Young men starting in life should avoid running into debt. There is scarcely anything that drags a person down like debt. It is a slavish position to get in, yet we find many a young man, hardly out of his "teens," running in debt. He meets a chum and says, "Look at this: I have got trusted for a new suit of clothes." He seems to look upon the clothes as so much given to him; well, it frequently is so, but, if he succeeds in paying and then gets trusted again, he is adopting a habit which will keep him in poverty through life. Debt robs a man of his self-respect, and makes him almost despise himself. Grunting¹ and groaning² and working for what he has eaten up or worn out, and now when he is called upon to pay up, he has nothing to show for his money; this is properly termed "working for a dead horse." I do not speak of merchants buying and selling on credit, or of those who buy on credit in order to turn the purchase to a profit. The old Quaker said to his farmer son, "John, never get trusted; but if thee gets trusted for anything, let it be for 'manure,' because that will help thee pay it back again."

Mr. Beecher advised young men to get in debt if they could to a small amount in the purchase of land, in the country districts. "If a young man," he says, "will only get in debt for some land and then get married, these two things will keep him straight, or nothing will." This may be safe to a limited extent, but getting in debt for what you eat and drink and wear is to be avoided. Some families have a foolish habit of getting credit at "the stores," and thus frequently purchase many things which might have been dispensed³ with.

It is all very well to say; "I have got trusted for sixty days, and if I don't have the money the creditor⁴ will think nothing about it." There is no class of people in the world, who have such good memories as creditors⁵. When the sixty days run out, you will have to pay. If you do not pay, you will break your promise, and probably resort to a falsehood. You may make some excuse or get in debt elsewhere to pay it, but that only involves you the deeper.

A good-looking, lazy young fellow, was the apprentice⁶ boy, Horatio. His employer said, "Horatio, did you ever see a snail⁷?" "I—think—I—have," he drawled out. "You must have met him then, for I am sure you never overtook one," said the "boss." Your creditor will meet you or overtake you and say, "Now, my young friend, you agreed to pay me; you have not done it, you must give me your note." You give the note on interest and it commences working against you; "it is a dead horse." The creditor goes to bed at night and wakes up in the morning better off than when he retired⁸ to bed, because his interest has increased during the night, but you grow poorer while you are sleeping, for the interest is accumulating against you.

Money is in some respects like fire; it is a very excellent servant but a terrible master. When you have it mastering you; when interest is constantly piling up against you, it will keep you down in the worst kind of slavery. But let money work for you, and you have the most devoted⁹ servant in the world. It is no "eye-servant." There is nothing animate¹⁰ or inanimate that will work so faithfully as money when placed at interest, well secured. It works night and day, and in wet or dry weather.

I was born in the blue-law State of Connecticut, where the old Puritans had laws so rigid¹¹ that it was said, "they fined a man for kissing his wife on Sunday." Yet these rich old Puritans would have thousands of dollars at interest, and on Saturday night would be worth a certain amount; on Sunday they would go to church and perform all the duties of a Christian¹². On waking up on Monday morning, they would find themselves considerably¹³ richer than the Saturday night previous, simply because their money placed at interest had worked faithfully for them all day Sunday, according to law!

Do not let it work against you; if you do there is no chance for success in life so far as money is concerned. John Randolph, the eccentric Virginian, once exclaimed in Congress, "Mr. Speaker, I have discovered the philosopher's stone: pay as you go." This is, indeed, nearer to the philosopher's stone than any alchemist has ever yet arrived.

1 grunting   

咕哝的，呼噜的

参考例句：

• He pulled harder on the rope, grunting with the effort. 他边用力边哼声，使出更大的力气拉绳子。
• Pigs were grunting and squealing in the yard. 猪在院子里哼哼地叫个不停。

2 groaning   

adj. 呜咽的, 呻吟的 动词groan的现在分词形式

参考例句：

• She's always groaning on about how much she has to do. 她总抱怨自己干很多活儿。
• The wounded man lay there groaning, with no one to help him. 受伤者躺在那里呻吟着，无人救助。

3 dispensed   

v.分配( dispense的过去式和过去分词 )；施与；配（药）

参考例句：

• Not a single one of these conditions can be dispensed with. 这些条件缺一不可。 来自《现代汉英综合大词典》
• They dispensed new clothes to the children in the orphanage. 他们把新衣服发给孤儿院的小孩们。 来自《现代英汉综合大词典》

4 creditor   

n.债仅人，债主，贷方

参考例句：

• The boss assigned his car to his creditor.那工头把自己的小汽车让与了债权人。
• I had to run away from my creditor whom I made a usurious loan.我借了高利贷不得不四处躲债。

5 creditors   

n.债权人，债主( creditor的名词复数 )

参考例句：

• They agreed to repay their creditors over a period of three years. 他们同意3年内向债主还清欠款。 来自《简明英汉词典》
• Creditors could obtain a writ for the arrest of their debtors. 债权人可以获得逮捕债务人的令状。 来自《简明英汉词典》

6 apprentice   

n.学徒，徒弟

参考例句：

• My son is an apprentice in a furniture maker's workshop.我的儿子在一家家具厂做学徒。
• The apprentice is not yet out of his time.这徒工还没有出徒。

7 snail   

n.蜗牛

参考例句：

• Snail is a small plant-eating creature with a soft body.蜗牛是一种软体草食动物。
• Time moved at a snail's pace before the holidays.放假前的时间过得很慢。

8 retired   

adj.隐退的，退休的，退役的

参考例句：

• The old man retired to the country for rest.这位老人下乡休息去了。
• Many retired people take up gardening as a hobby.许多退休的人都以从事园艺为嗜好。

9 devoted   

adj.忠诚的，忠实的，热心的，献身于...的

参考例句：

• He devoted his life to the educational cause of the motherland.他为祖国的教育事业贡献了一生。
• We devoted a lengthy and full discussion to this topic.我们对这个题目进行了长时间的充分讨论。

10 animate   

v.赋于生命，鼓励；adj.有生命的，有生气的

参考例句：

• We are animate beings,living creatures.我们是有生命的存在，有生命的动物。
• The girls watched,little teasing smiles animating their faces.女孩们注视着，脸上挂着调皮的微笑，显得愈加活泼。

11 rigid   

adj.严格的，死板的；刚硬的，僵硬的

参考例句：

• She became as rigid as adamant.她变得如顽石般的固执。
• The examination was so rigid that nearly all aspirants were ruled out.考试很严，几乎所有的考生都被淘汰了。

12 Christian   

adj.基督教徒的；n.基督教徒

参考例句：

• They always addressed each other by their Christian name.他们总是以教名互相称呼。
• His mother is a sincere Christian.他母亲是个虔诚的基督教徒。

13 considerably   

adv.极大地；相当大地；在很大程度上

参考例句：

• The economic situation has changed considerably.经济形势已发生了相当大的变化。
• The gap has narrowed considerably.分歧大大缩小了。