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“Thrift is merely common sense in every-day working action.”
The principle is made practical rather than glamorous: ordinary, repeated decisions about work and spending matter more than occasional dramatic gestures.
Source note: Thrift, Chapter II, “Habits of Thrift,” Project Gutenberg #14418. Smiles says thrift requires neither exceptional courage nor intellect but ordinary common sense, resistance to selfish enjoyment and patient self-denial.
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“Go to the ant, thou sluggard; consider her ways, and be wise.”
The proverb uses the ant as an example of self-directed preparation, turning observation of repeated practical behavior into a lesson about disciplined habits.
Source note: Proverbs 6:6 in the King James Version; the following verses describe the ant preparing food without an overseer.
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“The more the habit of thrift is practised, the easier it becomes.”
Repeated practice lowers the effort required for prudent behavior, illustrating how a difficult choice can gradually become an established habit.
Source note: Thrift, Chapter II, “Habits of Thrift,” Project Gutenberg #14418. The sentence completes Smiles’s practical paragraph on forming habits of economy: repeated thrift becomes easier and eventually compensates the self-denial it initially requires.
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“True economy consists in always making the income exceed the out-go.”
Barnum defines practical economy through a durable margin between income and spending rather than through isolated acts of penny-pinching.
Source note: The Art of Money Getting, opening discussion of economy; Project Gutenberg #8581. Barnum’s rule is historical conduct-of-life advice, not individualized financial planning.
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“It works for to-day, but also provides for to-morrow.”
Good stewardship balances present needs with future obligations instead of treating either immediate enjoyment or distant security as the only concern.
Source note: Thrift, Chapter I, “Industry,” Project Gutenberg #14418. The sentence occurs in the same definition of thrift as an acquired principle of conduct: present enjoyment is subordinated to forethought so that action serves today while providing for tomorrow.
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“Young men starting in life should avoid running into debt.”
Barnum treats consumer debt as a constraint on future choices and recommends avoiding obligations incurred simply to consume before payment is possible.
Source note: The Art of Money Getting, section “Avoid Debt”; Project Gutenberg #8581. The advice is period-specific and not a blanket claim that every productive use of credit is harmful.