Remember, that time is money.... Remember, that credit is money ... Remember, that money is of the prolific, generating nature.... Remember, that six pounds a year is but a groat a day.... Remember this saying, "The good prayer is lord of another man’s purse." He that is known to pay punctually and exactly to the time he promises, may at any time, and on any occasion, raise all the money his friends can spare.... In short, the way to wealth, if you desire it, is as plain as the way to market. It depends chiefly on two words, industry and frugality; that is, waste neither time nor money, but make the best use of both.
Advice to a Young Tradesman (1748)