The use of money is all the advantage there is in having money.
拥有金钱的好处在于能使用它。
For six pounds a year you may have the use of one hundred pounds, provided you are a man of known prudence and honesty.
如果你是一位公认谨慎且诚实的人，每年只需支付六英镑的利息，你就可以使用一百英镑。
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.
每天虚度一个格罗特（一种旧英币）的人，一年内虚度的金额超过六英镑，这相当于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.
每天虚度价值一个格罗特的时间的人，相当于每天浪费了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.
懒散地浪费了价值五先令的时间的人，就好比把五先令直接扔进海里。
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.
丢失五先令的人，不仅失去了这笔钱，还失去了通过交易利用这笔钱所能带来的所有收益。到一个年轻人年老时，这些收益可能会累积成一笔可观的财富。
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 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.
此外，那些赊销的人会为其出售的商品定一个价格，这个价格相当于货款的本金加上因延迟收款而产生的利息。因此，那些赊购的人实际上支付了购买商品的利息，而那些用现款支付的人本可以把这笔钱借出去赚取利息：因此，拥有赊购商品的人实际上为使用商品支付了利息。
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，购买商品时最好用现款支付，因为赊销者通常预计因坏账会损失5%，所以他们会在所有赊销商品的价格中增加一笔以弥补这些损失。
Those who pay for what they buy upon credit, pay their share of this advance.
那些赊购商品的人实际上为这部分增加的成本支付了自己的份额。
He that pays ready money escapes, or may escape, that charge.
用现款支付的人可以避免，或可能避免这笔额外的费用。
A penny saved is twopence clear,
省一便士即赚两便士，
A pin a day's a groat a year.
每天省一枚大头针，一年省一个格罗特。