Beware of thinking that you own all you possess, and of living accordingly.

It is a mistake that many people who have credit fall into. To prevent this, keep an exact account for some time, both of your expenses and your income.

If you take the pains at first to mention particulars, it will have this good effect: you will discover how wonderfully small, trifling expenses mount up to large sums, and will understand what might have been, and may for the future be saved, without causing any great inconvenience.