Save Your Money

The world is full of people who can't imagine why they don't prosper like their neighbors. The real obstacle is not in the banks nor tariffs, in bad public policy nor hard times, but in their own extravagance and heedless ostentation. The young mechanic or clerk marries and takes a house, which he proceeds to furnish twice as expensively as he can afford; and then his wife, instead of taking hold to help him earn a livelihood by doing her own work, must have a hired servant to help her spend his limited earnings.

Ten years afterward, you will find him struggling on under a double load of debts and children, wondering why the luck was always against him, while his friends regret his unhappy destitution of financial ability. Had they, from the first, been frank and honest, he need not have been so unlucky.

Inordinate expenditure is the cause of a great share of the crime and consequent misery which devastate the world. The clerk who spends more than he earns, is fast qualifying himself for a gambler and a thief; the trader or mechanic who overruns his income, is very certain to become in time a trickster and a cheat. Wherever you see a man spending faster than he earns, there look out for villainy to be developed, though it be the farthest thing possible from his present thought.

Let a man have a genius for spending, and whether his income is a dollar a day or a dollar a minute, it is equally certain to prove inadequate. If dining, wining, and party-giving won't help him through with it, building, gaming, and speculation will be sure to. The bottomless pocket will never fill, no matter how bounteous the stream pouring into it.

That we are born "free and equal" is a glorious truth in one sense, yet we are not all born equally rich, and we never shall be. One may say; "there is a man who has an income of 150,000 dollars per year, while I have but 40 thousand dollars; I knew that fellow when he was poor like myself; now he is rich and thinks he is better than I am; I will show him that I am as good as he is; I will go and buy a Harley or a Hummer.

My friend, you need not take that trouble; you can easily prove that you are "as good as he is;" you have only to behave as well as he does; but you cannot make anybody believe that you are rich as he is.

Live Simply. Save your money.

3 Pillars of Success

Success—that is the royal road we all want to tread, for the echo off its flagstones sounds pleasantly in the mind. It gives to man all that the natural man desires: the opportunity of exercising his activities to the full; the sense of power; the feeling that life is a slave, not a master; the knowledge that some great industry has quickened into life under the impulse of a single brain.

To each his own particular branch of this difficult art. The artist knows one joy, the soldier another; what delights the business man leaves the politician cold. But however much each section of society abuses the ambitions or the morals of the other, all worship equally at the same shrine. No man really wants to spend his whole life as a reporter, a clerk, a subaltern, a private Member, or a curate. Downing Street is as attractive as the oak-leaves of the field-marshal; York and Canterbury as pleasant as a dominance in Lombard Street or Burlington House.

For my own part I speak of the only field of success I know—the world of ordinary affairs. And I start with a contradiction in terms. Success is a constitutional temperament bestowed on the recipient by the gods. And yet you may have all the gifts of the fairies and fail utterly. Man cannot add an inch to his stature, but by taking thought he can walk erect; all the gifts given at birth can be destroyed by a single curse.

Like all human affairs, success is partly a matter of predestination and partly of free will. You cannot make the genius, but you can either improve or destroy it, and most men and women possess the assets which can be turned into success.

But those who possess the precious gifts will have both to hoard and to expand them.

What are the qualities which make for success? They are three: Judgment, Industry, and Health, and perhaps the greatest of these is judgment. These are the three pillars which hold up the fabric of success. But in using the word judgment one has said everything.

In the affairs of the world it is the supreme quality. How many men have brilliant schemes and yet are quite unable to execute them, and through their very brilliancy stumble unawares upon ruin? For round judgment there cluster many hundred qualities, like the setting round a jewel: the capacity to read the hearts of men; to draw an inexhaustible fountain of wisdom from every particle of experience in the past, and turn the current of this knowledge into the dynamic action of the future. Genius goes to the heart of a matter like an arrow from a bow, but judgment is the quality which learns from the world what the world has to teach and then goes one better. Shelley had genius, but he would not have been a success in Wall Street—though the poet showed a flash of business knowledge in refusing to lend money to Byron.

In the ultimate resort judgment is the power to assimilate knowledge and to use it. The opinions of men and the movement of markets are all so much material for the perfected instrument of the mind.

But judgment may prove a sterile capacity if it is not accompanied by industry. The mill must have grist on which to work, and it is industry which pours in the grain.

A great opportunity may be lost and an irretrievable error committed by a brief break in the lucidity of the intellect or in the train of thought. "He who would be Cæsar anywhere," says Kipling, "must know everything everywhere." Nearly everything comes to the man who is always all there.

Men are not really born either hopelessly idle, or preternaturally industrious. They may move in one direction or the other as will or circumstances dictate, but it is open to any man to work. Hogarth's industrious and idle apprentice point a moral, but they do not tell a true tale. The real trouble about industry is to apply it in the right direction—and it is therefore the servant of judgment. The true secret of industry well applied is concentration, and there are many well-known ways of learning that art—the most potent handmaiden of success. Industry can be acquired; it should never be squandered.

But health and fitness is the foundation both of judgment and industry - and therefore of success. And without health everything is difficult. Who can exercise a sound judgment if he is feeling irritable in the morning? Who can work hard if he is suffering from a perpetual feeling of malaise?

The future lies with the people who will take exercise and not too much exercise. Athleticism may be hopeless as a career, but as a drug it is invaluable. No ordinary man can hope to succeed who does not work his body in moderation. The danger of the athlete is to believe that in kicking a goal he has won the game of life. His object is no longer to be fit for work, but to be superfit for play. He sees the means and the end through an inverted telescope. The story books always tell us that the Rowing Blue finishes up as a High Court Judge.

The truth is too often very different.

The hero of the playing fields becomes the dunce of the office. Other men go on playing till middle-age robs them of their physical powers. At the end the whole thing is revealed as vanity. Play tennis or golf once a day and you may be famous; play it three times a day and you will be in danger of being thought a professional—without the reward.

The pursuit of pleasure is equally ephemeral. Time and experience rob even amusement of its charm, and the night before is not worth next morning's headache. Practical success alone makes early middle-age the most pleasurable period of a man's career. What has been worked for in youth then comes to its fruition.

It is true that brains alone are not influence, and that money alone is not influence, but brains and money combined are power. And fame, the other object of ambition, is only another name for either money or power.

Never was there a moment more favorable for turning talent towards opportunity and opportunity into triumph than Our Great Land now presents to the man or woman whom ambition stirs to make a success of life. The dominions of the British Empire abolished long ago the privileges which birth confers. No bar has been set there to prevent poverty rising to the heights of wealth and power, if the man were found equal to the task.

The same development has taken place in many countries today. Men are no longer born into Cabinets; the ladder of education is rapidly reaching a perfection which enables a man born in a cottage or a slum attaining the zenith of success and power.

There stand the three attributes to be attained—Judgment, Industry, and Health. Judgment can be improved, industry can be acquired, health can be attained by those who will take the trouble. These are the three pillars on which we can build the golden pinnacle of success.

Focus

Let every one ascertain his special business and calling, and then stick to it. —Franklin

"One great cause of failure of young men in business," says Carnegie, "is lack of concentration. They are prone to seek outside investments. The cause of many a surprising failure lies in so doing. Every dollar of capital and credit, every business-thought, should be concentrated upon the one business upon which a man has embarked. He should never scatter his shot. It is a poor business which will not yield better returns for increased capital than any outside investment. No man or set of men or corporation can manage a business-man's capital as well as he can manage it himself.

"The only valuable kind of study," said Sydney Smith, "is to read so heartily that dinner-time comes two hours before you expected it; to sit with your Livy before you and hear the geese cackling that saved the Capitol, and to see with your own eyes the Carthaginian sutlers gathering up the rings of the Roman knights after the battle of Cannæ, and heaping them into bushels, and to be so intimately present at the actions you are reading of, that when anybody knocks at the door it will take you two or three seconds to determine whether you are in your own study or on the plains of Lombardy, looking at Hannibal's weather-beaten face and admiring the splendor of his single eye."

"Never study on speculation," says Waters; "all such study is vain. Form a plan; have an object; then work for it; learn all you can about it, and you will be sure to succeed. What I mean by studying on speculation is that aimless learning of things because they may be useful some day; which is like the conduct of the woman who bought at auction a brass door-plate with the name of Thompson on it, thinking it might be useful some day!"

"It puffed like a locomotive," said a boy of the donkey engine; "it whistled like the steam-cars, but it didn't go anywhere."

The world is full of donkey-engines, of people who can whistle and puff and pull, but they don't go anywhere, they have no definite aim, no controlling purpose.

The great secret of Napoleon's power lay in his marvelous ability to concentrate his forces upon a single point. After finding the weak place in the enemy's ranks he would mass his men and hurl them upon the enemy like an avalanche until he made a breach. What a lesson of the power of concentration there is in that man's life! He was such a master of himself that he could concentrate his powers upon the smallest detail as well as upon an empire.

When Napoleon had anything to say he always went straight to his mark. He had a purpose in everything he did; there was no dilly-dallying nor shilly-shallying; he knew what he wanted to say, and said it. It was the same with all his plans; what he wanted to do, he did. He always hit the bull's eye. His great success in war was due largely to his definiteness of aim. He knew what he wanted to do, and did it. He was like a great burning glass, concentrating the rays of the sun upon a single spot; he burned a hole wherever he went.

The sun's rays scattered do no execution, but concentrated in a burning glass, they melt solid granite; yes, a diamond, even. There are plenty of men who have ability enough, the rays of their faculties taken separately are all right; but they are powerless to collect them, to concentrate them upon a single object. They lack the burning glass of a purpose, to focus upon one spot the separate rays of their ability. Versatile men, universal geniuses, are usually weak, because they have no power to concentrate the rays of their ability, to focus them upon one point, until they burn a hole in whatever they undertake.

This power to bring all of one's scattered forces into one focal point makes all the difference between success and failure.

Focus your energy on that goal you seek to accomplish. Get a little exercise and keep your mind clear of stress and clutter. Focus and concentration come much more easily when you enjoy the fruits of better health and fitness.

Character

That "Heaven helps those who help themselves," is a maxim as true as it is ancient. The great and indispensable help to success is character.

Character is crystallized habit, the result of training and conviction. Every character is influenced by heredity, environment and education; but these apart, if every man were not to a great extent the architect of his own character, he would be a fatalist, an irresponsible creature of circumstances, which, even the skeptic must confess he is not. So long as a man has the power to change one habit, good or bad, for another, so long he is responsible for his own character, and this responsibility continues with life and reason.

A man may be a graduate of the greatest university, and even a great genius, and yet be a most despicable character. Neither Peter Cooper, George Peabody nor Andrew Carnegie had the advantage of a college education, yet character made them the world's benefactors and more honored than princes.

"You insist," wrote Perthes to a friend, "on respect for learned men. I say, Amen! But at the same time, don't forget that largeness of mind, depth of thought, appreciation of the lofty, experience of the world, delicacy of manner, tact and energy in action, love of truth, honesty, and amiability—that all these may be wanting in a man who may yet be very learned."

When someone in Sir Walter Scott's hearing made a remark as to the value of literary talents and accomplishments, as if they were above all things to be esteemed and honored, he observed, "God help us! What a poor world this would be if that were the true doctrine! I have read books enough, and observed and conversed with enough of eminent and splendidly-cultured minds, too, in my time; but I assure you, I have heard higher sentiments from the lips of the poor uneducated men and women, when exerting the spirit of severe, yet gentle heroism under difficulties and afflictions, or speaking their simple thoughts as to circumstances in the lot of friends and neighbors, than I ever yet met with out of the Bible."

In the affairs of life or of business, it is not intellect that tells so much as character—not brains so much as heart—not genius so much as self-control, patience, and discipline, regulated by judgment. Hence there is no better provision for the uses of either private or public life, than a fair share of ordinary good sense guided by rectitude. Good sense, disciplined by experience and inspired by goodness, issued in practical wisdom. Indeed, goodness in a measure implies wisdom—the highest wisdom—the union of the worldly with the spiritual. "The correspondences of wisdom and goodness," says Sir Henry Taylor, "are manifold; and that they will accompany each other is to be inferred, not only because men's wisdom makes them good, but because their goodness makes them wise."

The best sort of character, however, can not be formed without effort. There needs the exercise of constant self-watchfulness, self-discipline, and self-control. There may be much faltering, stumbling, and temporary defeat; difficulties and temptations manifold to be battled with and overcome; but if the spirit be strong and the heart be upright, no one need despair of ultimate success. The very effort to advance—to arrive at a higher standard of character than we have reached—is inspiring and invigorating; and even though we may fall short of it, we can not fail to be improved by every honest effort made in an upward direction

Healthy Habits

Be not deceived; God is not mocked: for whatsoever a man soweth, that shall he also reap.—GALATIANS.

Practically all the achievements of the human race are but the accomplishments of habit. We speak of the power of Gladstone to accomplish so much in a day as something marvelous; but when we analyze that power we find it composed very largely of the results of habit. His mighty momentum has been rendered possible only by the law of the power of habit. He is now a great bundle of habits, which all his life have been forming. His habit of industry no doubt was irksome and tedious at first, but, practiced so conscientiously and persistently, it has gained such momentum as to astonish the world. His habit of thinking, close, persistent, and strong, has made him a power. He formed the habit of accurate, keen observation, allowing nothing to escape his attention, until he could observe more in half a day in London than a score of men who have eyes but see not. Thus he has multiplied himself many times. By this habit of accuracy he has avoided many a repetition; and so, during his lifetime, he has saved years of precious time, which many others, who marvel at his achievements, have thrown away.

Gladstone early formed the habit of cheerfulness, of looking on the bright side of things, which, Sydney Smith says, "is worth a thousand pounds a year." This again has saved him enormous waste of energy, as he tells us he has never yet been kept awake a single hour by any debate or business in Parliament. This loss of energy has wasted years of many a useful life, which might have been saved by forming the economizing habit of cheerfulness.

The habit of happy thought would transform the commonest life into harmony and beauty. The will is almost omnipotent to determine habits which virtually are omnipotent. The habit of directing a firm and steady will upon those things which tend to produce harmony of thought would produce happiness and contentment even in the most lowly occupations. The will, rightly drilled, can drive out all discordant thoughts, and produce a reign of perpetual harmony. Our trouble is that we do not half will. After a man's habits are well set, about all he can do is to sit by and observe which way he is going. Regret it as he may, how helpless is a weak man bound by the mighty cable of habit, twisted from the tiny threads of single acts which he thought were absolutely within his control!

Drop a stone down a precipice. By the law of gravitation it sinks with rapidly increasing momentum. If it falls sixteen feet the first second, it will fall forty-eight feet the next second, and eighty feet the third second, and one hundred and forty-four feet the fifth second, and if it falls for ten seconds it will in the last second rush through three hundred and four feet till earth stops it. Habit is cumulative. After each act of our lives we are not the same person as before, but quite another, better or worse, but not the same. There has been something added to, or deducted from, our weight of character.

Change your habits - Change your life! Want to lose weight? Want to enjoy life more?

The quickest way to lose weight is daily exercise. Make exercise one of your daily habits and just watch your waistline shrink!

Ambition - Reach for the Stars!

A man cannot aspire if he looks down. God has not created us with aspirations and longings for heights to which we cannot climb. Live upward. The unattained still beckons us toward the summit of life's mountains, into the atmosphere where great souls live and breathe and have their being. Even hope is but a promise of the possibility of its own fulfillment. Life should be lived in earnest. It is no idle game, no farce to amuse and be forgotten.

It is a stern reality, fuller of duties than the sky of stars. You cannot have too much of that yearning which we call aspiration, for, even though you do not attain your ideal, the efforts you make will bring nothing but blessing; while he who fails of attaining mere worldly goals is too often eaten up with the canker-worm of disappointed ambition. To all will come a time when the love of glory will be seen to be but a splendid delusion, riches empty, rank vain, power dependent, and all outward advantages without inward peace a mere mockery of wretchedness. The wisest men have taken care to uproot selfish ambition from their breasts. Shakespeare considered it so near a vice as to need extenuating circumstances to make it a virtue.

Who has not noticed the power of love in an awkward, crabbed, shiftless, lazy man? He becomes gentle, chaste in language, energetic. Love brings out the poetry in him. It is only an idea, a sentiment, and yet what magic it has wrought. Nothing we can see has touched the man, yet he is entirely transformed.

Mere ambition has impelled many a man to a life of eminence and usefulness; its higher manifestation, aspiration, has led him beyond the stars. If the aim be right the life in its details cannot be far wrong. Your heart must inspire what your hands execute, or the work will be poorly done. The hand cannot reach higher than does the heart.

But do not strive to reach impossible goals. It is wholly in your power to develop yourself, but not necessarily so to make yourself a king. How many Presidents of the United States or Prime Ministers of England are chosen within the working lifetime of a man?

What if a thousand young men resolve to become President or Prime Minister? While such prizes are within your reach, remember that your will must be tremendous and your qualifications of the highest order, or you cannot hope to secure them. Too many are deluded by ambition beyond their power of attainment, or tortured by aspirations totally disproportionate to their capacity for execution. You may, indeed, confidently hope to become eminent in usefulness and power, but only as you build upon a broad foundation of self-culture.

"Did you ever hear of a man who had striven all his life faithfully and singly toward an object, and in no measure obtained it?" asked Thoreau. "If a man constantly aspires, is he not elevated? Did ever a man try heroism, magnanimity, truth, sincerity, and find that there was no advantage in them,—that it was a vain endeavor?"

"O if the stone can only have some vision of the temple of which it is to be a part forever," exclaimed Phillips Brooks, "what patience must fill it as it feels the blows of the hammer, and knows that success for it is simply to let itself be wrought into what shape the master wills."

Man never reaches heights above his habitual thought. It is not enough now and then to mount on wings of ecstasy into the infinite. We must habitually dwell there. The great man is he who abides easily on heights to which others rise occasionally and with difficulty.

Don't let the maxims of a low prudence daily dinned into your ears lower the tone of your high ambition or check your aspirations. Hope lifts us step by step up the mysterious ladder, the top of which no eye hath ever seen. Though we do not find what hope promised, yet we are stronger for the climbing, and we get a broader outlook upon life which repays the effort.

Indeed, if we do not follow where hope beckons, we gradually slide down the ladder in despair. Strive ever to be at the top of your condition. A high standard is absolutely necessary.

Keep on Gettin Up

Thoroughly to believe in one's own self, so one's self were thorough, were to do great things. —Tennyson.

A noted philosopher said: "The favors of fortune are like steep rocks; only eagles and creeping things mount to the summit." Lord Campbell, who became Chief Justice and Lord Chancellor of England and amassed a large fortune, began life as a drudge in a printing office. A little observation shows us that, as a rule, the men who accomplish the most in the world are the most useful, and sensible members of society, the men who are depended upon most in emergencies, the men of backbone and stamina, the bone and sinew of their communities; the men who can always be relied upon, who are healthiest and happiest, are, as a rule, of ordinary mental calibre and medium capacity. But with persistent and untiring industry, these are they, after all, who carry the burdens and reap the prizes of life.

It is the men and women who keep everlastingly at it, who do not believe themselves geniuses, but who know that if they ever accomplish anything great, they must do it by common drudgery and persistent industry and with an unwavering aim in one pursuit. Those who believe themselves geniuses are apt to scatter their efforts and thus fritter away their great energies without accomplishing anything in proportion to their high promise. Often the men who promise the most pay the least.

Mrs. Frank Leslie often refers to the time she lived in her carpetless attic while striving to pay her husband's obligations. She has fought her way successfully through nine lawsuits, and has paid the entire debt. She manages her ten publications entirely herself, signs all checks and money-orders, makes all contracts, looks over all proofs, and approves the make-up of everything before it goes to press. She has developed great business ability, which no one dreamed she possessed.

A little boy was asked how he learned to skate. "Oh, by getting up every time I fell down," he replied.

I never knew an early-rising, hard-working, prudent man, careful of his earnings and strictly honest, who complained of his bad luck. A good character, good habits, and iron industry are impregnable to the assaults of the ill luck that fools are dreaming of. But when I see a tatterdemalion creeping out of a grocery late in the forenoon with his hands stuck into his pockets, the rim of his hat turned up, and the crown knocked in, I know he has had bad luck,—for the worst of all luck is to be a sluggard, a knave, or a tippler.

"I know no such unquestionable badge and ensign of a sovereign mind as that tenacity of purpose which, through all changes of companions, or parties, or fortunes, changes never, bates no jot of heart or hope, but wearies out opposition and arrives at its port."