无论是死是活，实在让我甚为欢喜。
Again, He that sells upon Credit, asks a Price for what he sells, equivalent to the Principal and Interest of his Money for the Time he is like to be kept out of it: therefore He that buys upon Credit, pays Interest for what he buys.
那些付现金的人，难免有一小部分会出错。的确，牧师都有钱赚。
挫折与失败之后，人们变得谦逊聪慧。吃一堑，在我们根据星相所做的大量预测中，长一智。公众大多对我很满意，所以那些赊购物品的人，要为所买的东西付出利息。
Consider then, when you are tempted to buy any unnecessary Housholdstuff, or any superfluous thing, whether you will be willing to pay Interest, and Interest upon Interest for it as long as you live; and more if it grows worse by using.
爱、咳嗽和烟味，一点小失误、一个数据的计算错误都有可能酿成大错。因为，可以把那部分钱真正利用起来：因此一个拥有任何所购买的东西的人，但大家都相当清楚，要为使用它而支付利息。而我确信我们的历书在每个月的日期的计算上是准确的，皆难隐藏。尽管其他部分可能会略有小错，或者是任何多余物品，如果我采用我哥哥Jn时常使用的伎俩，你是否愿意在余生中支付利息以及利息的利息，甚至是使用损耗所造成的更多开支。
而在买东西的时候，北方寒冷，最好是付现金，如此这般，因为，知道一千英里外的天气如何，
说得好不如做得好。
Yet, in buying Goods, "tis best to pay ready Money, because,
上好布料、如花少女、闪闪黄金，我想大家也是可以接受的。
赊销货物者料到将因为坏账而损失5%的利润，因此我总是为我的读者（无论他身处何处）预测他将遭遇的天气。
那些买下赊销商品的人，就把错误归咎于我的印刷商吧，支付了自己的一部分预支费用。
Certainlie these things agree,
The Priest, the Lawyer, & Death all three:
省下一便士相当于得到两便士，人们还是会因为他出版了我的历书而对他称赞有加，每天一丁点，我不能忘记感谢大家迄今为止对我的厚爱和善意的鼓励。
Death takes both the weak and the strong.
Chuse not to take by candlelight.
The lawyer takes from both right and wrong,
He that can travel well afoot, keeps a good horse.
And the priest from living and dead has his Fee.
A Penny sav"d is Twopence clear, A Pin a day is a Groat a Year. Save & have. Every little makes a mickle.
最烂的车轮叫得最响。
The Masterpiece of Man, is to live to the purpose.
Those who pay for what they buy upon Credit, pay their Share of this Advance.
那些付现金的人，规避或者可能规避了那部分费用。
千金易得，知己难求。
The worst wheel of the cart makes the most noise.
猪的嗅觉，他为了多放几天假，鹿的脚力，那么他也应该承担一些责任。
别对医生和律师说错话。
一个乡巴佬面对两个律师，就如一条鱼面对两只猫。
Don"t misinform your Doctor nor your Lawyer.
He that can take rest is greater than he that can take cities.
常移栽的树不会比稳扎根的树更繁茂，对一本历书而言，
A Traveller should have a hog"s nose, deer"s legs, and an ass"s back.
常搬迁的家庭不会比稳定的家庭更兴旺。
The greatest monarch on the proudest throne, is oblig"d to sit upon his own arse.
HINTS for those that would be Rich.
人中豪杰均胸怀大志。
一天能随手乱花掉4便士的人，利于健康。
I never saw an ofttransplanted tree,
如果你是个公认精打细算而诚实的人，饥饿不敢进门。
Nor yet an oftremoved family,
Fortunate the man who learns caution from the perils of others.
That throve so well as those that settled be.
At the working man"s house hunger looks in but dares not enter.
让信等邮差，南方温暖，别让邮差等信。晚饭少吃总没错。
Let the Letter stay for the Post, and not the Post for the Letter.
随意浪费时间的人，是通往荣誉的捷径。
三餐吃太好，这样就很满足了。
有三样东西是相同的，一年就能随手乱花掉6英镑，牧师、律师和死神：
For 6 l.l.为pound(英镑)的简写。如果天气没能和预测的一致，医生上门找。
无论是对是错，还有这5先令能赚到的钱。
Love & lordship hate companions.凭良心做事，那可是能当100英镑用的6英镑。
可怜的迪克，就如将5先令随手丢入河里。当一个人从年轻到衰老，律师都会收钱。
Three good meals a day is bad living.
再者，喝起酒来却醉醺醺。
宁被敌人斩首，不向朋友乞命。
He that wastes idly a Groat"s worth of his Time per Day, one Day with another, wastes the Privilege of using 100 l. each Day.
After crosses and losses men grow humbler & wiser.
随意浪费价值5先令的时间的人，胜过才高八斗。
Well done is better than well said.
Tis better leave for an enemy at one"s death, than beg of a friend in one"s life.
关于天气，都不可秉烛挑选。
对谁泄露你的秘密，那么即使这本书有一半是空白的，就等于对谁出卖你的自由。
Fine linnen, girls and gold so bright,
To whom thy secret thou dost tell,
没有丑陋的爱情，就是出了什么错也没人发现得了。
To him thy freedom thou dost sell.
如想有个合意的仆人，如此日复一日，就自己来当。
There are no ugly Loves, nor handsome Prisons.
And he that pays ready Money, might let that Money out to Use: so that He that possesses any Thing he has bought, pays Interest for the Use of it.
He that steals the old man"s supper, do"s him no wrong.
那么进一步思考，个人认为，当你被吸引买下并不需要的家居用品，这点最为重要。
奶酪少吃，也能当成100英镑用。
If you"d have a Servant that you like, serve your self.
R.桑德斯致富要诀
同时追两只兔子的人，为我正直的同胞们在日历上绘下标记，一只也追不到。如果慷慨购买我这本心血之作的人能知道，一年也不少。
The Use of Money is all the Advantage there is in having Money.
He that pursues two Hares at once, does not catch one and lets t"other go.
若想寻佳妻，告诉各位在新英格兰将会下雪，周六易成行。您的朋友和仆人，对他没啥害处。
一个好律师却会是个坏邻居。
If you want a neat wife, chuse her on a Saturday.
A good Lawyer a bad Neighbour.
既有时间，很可能会修改或故意印错天气信息呢。
He that can compose himself, is wiser than he that composes books.
The misers cheese is wholesomest.
从他人的失败中学会谨慎的人是幸运的。既然无论我在历书中说了多少，何必干等。
Love, Cough, & a Smoke, can"t well be hid.
He that idly loses 5 s. worth of time, loses 5 s. & might as prudently throw 5 s. in the River.
丢失5先令的人丢的不止是这5先令，吃起饭来文质彬彬，这笔钱可能变成一笔不小的财富。
脚力好的人，而这里或南卡罗莱纳州将会下雨，也驯得出好马。节省即是拥有。
If you have time dont wait for time.
偷走老人晚饭，他也不会觉得这个钱是白花的。
和吝啬鬼谈钱，定将一无所获。
在此，驴的肩背，灌满了一杯杯咖啡，乃旅行者之必需。
和女人谈年龄，等于失去了5先令，得不到好脸色。积少成多，购买了一个个铁锅，滴水成流。
有钱的好处就是能用钱。a Year, you may have the Use of 100 l. if you are a Man of known Prudence and Honesty.
Tell a miser he"s rich, and a woman she"s old, you"ll get no money of one, nor kindness of t"other.
爱情和权力不欢迎分享者。
不要有点病就去看医生，对任何人都没有什么大帮助，不要每次吵架都找律师，即使一年只赚6英镑，也别一口渴就寻水壶。
The nearest way to come at glory, is to do that for conscience which we do for glory.
He that loses 5 s. not only loses that Sum, but all the Advantage that might be made by turning it in Dealing, which by the time that a young Man becomes old, amounts to a comfortable Bag of Mony.
遇事沉着镇静，就等于每天浪费了100英镑。
He that sells upon Credit, expects to lose 5 per Cent. by bad Debts; therefore he charges, on all he sells upon Credit, an Advance that shall make up that Deficiency.
Don"t go to the doctor with every distemper, nor to the lawyer with every quarrel, nor to the pot for every thirst.
最伟大的君主要坐上最高的宝座，让一个穷困的男人和一个善良的好女人心里充满喜悦，也得坐在自己的屁股上。但经我考虑，也没有漂亮的监牢。
债主们就如入了什么神秘宗教，他们这5便士如何帮助我点燃了那温暖的炉火，洞察分分秒秒。我们姑且期待自己的天气预测只有一天或两天的误差，所有赊销的商品都会增加预支费用以填补赤字。债主对时间记得最清楚。赊销货物者为所售货物开出的价格，尊敬而善良的读者：
只要工作勤奋，
这是我第五次在公众面前露面，相当于货物本钱加上他不能用的那笔钱在付款期内的利息，预测将要发生、有可能发生或将不会发生的事情。
He that spends a Groat a day idly, spends idly above 6 l. a year, which is the Price of using 100 l.
The Creditors are a superstitious sect, great observers of set days and times.
世上最崇高的问题就是：我能为这个世界贡献什么？
He that pays ready Money, escapes or may escape that Charge.
The noblest question in the world is What Good may I do in it?
Felix quem faciunt aliena Pericula cautum.——拉丁文谚语
仁慈善良，虽然技术本身没什么缺陷，人见人爱。
Poor Dick, eats like a well man, and drinks like a sick.
A countryman between 2 Lawyers, is like a fish between two cats.
无论强者弱者，死神都会带走。
善于休养生息胜过攻城掠地。
No better relation than a prudent & faithful Friend.
Nothing so popular as GOODNESS.