The use of money is all the advantage there is in having money.
金钱的用途就是拥有金钱的全部好处。
For six pounds a year you may have the use of one hundred pounds, provided you are a man of known prudence and honesty.
每年支付六英镑，你就可以使用一百英镑，前提是你是一个有名的谨慎和诚实之人。
He that spends a groat a day idly, spends idly above six pounds a year, which is the price for the use of one hundred pounds.
每天无所事事地花费一便士，一年下来就相当于无谓地花费了六英镑，这正是使用一百英镑的代价。
He that wastes idly a groat's worth of his time per day, one day with another, wastes the privilege of using one hundred pounds each day.
每天虚度一便士的时间，一天接着一天，便浪费了每天使用一百英镑的机会。
He that idly loses five shillings' worth of time, loses five shillings, and might as prudently throw five shillings into the sea.
无谓地浪费价值五先令的时间就如同无谓地丢掉五先令，倒不如把五先令丢进海里。
He that loses five shillings, 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, will amount to a considerable sum of money.
损失五先令不仅仅是损失了这笔钱，还失去了通过交易运用这笔钱所能带来的利益，随着时间的推移，这对于一个年轻人成年累月积累下来会是相当可观的一笔钱。
Again: he that sells upon credit, asks a price for what he sells equivalent to the principal and interest[Pg 54] of his money for the time he is to be kept out of it; therefore, he that buys upon credit pays interest for what he buys, and he that pays ready money might let that money out to use: so that he that possesses anything he bought, pays interest for the use of it.
再者：卖家提供赊账时，会为货物定一个等同于本金和利息的价格，因此，赊账的买家为自己购买的东西支付利息，而现金付款的买家可以把这笔钱另作他用；所以拥有自己购买的任何物品的人实际上在为其使用权支付利息。
Yet, in buying goods, it is best to pay ready money, because he that sells upon credit expects to lose five per cent. by bad debts; therefore he charges, on all he sells upon credit, an advance that shall make up that deficiency.
然而，购买商品时，最好是以现金支付，因为赊账卖家预计会因坏账而损失5%，因此他会在所有赊账销售中加价，以弥补这一损失。
Those who pay for what they buy upon credit, pay their share of this advance.
那些赊账付款的买家要支付自己应分摊的这部分加价。
He that pays ready money escapes, or may escape, that charge.
现金付款的买家则可以避免或可能避免这一额外费用。
A penny saved is twopence clear,
节省一便士即是净赚二便士，
A pin a day's a groat a year.
一天一针，攒成一年一便士。