Oeconomy in our Affairs has the same Effect upon our Fortunes which Good Breeding has upon our Conversations. There is a pretending Behaviour in both Cases, which, instead of making Men esteemed, renders them both miserable and contemptible. We had Yesterday at SIR ROGER'S a Set of Country Gentlemen who dined with him; and after Dinner the Glass was taken, by those who pleased, pretty plentifully. Among others I observed a Person of a tolerable good Aspect, who seemed to be more greedy of Liquor than any of the Company, and yet, methought, he did not taste it with Delight. As he grew warm, he was suspicious of every thing that was said; and as he advanced towards being fudled, his Humour grew worse. At the same time his Bitterness seem'd to be rather an inward Dissatisfaction in his own Mind, than any Dislike he had taken at the Company. Upon hearing his Name, I knew him to be a Gentle man of a considerable Fortune in this County, but greatly in Debt. What gives the unhappy Man this Peevishness of Spirit is, that his Estate is dipped, and is eating out with Usury; and yet he has not the Heart to sell any Part of it. His proud Stomach, at the Cost of restless Nights, constant Inquietudes, Danger of Affronts, and a thousand nameless Inconveniences, preserves this Canker in his Fortune, rather than it shall be said he is a Man of fewer Hundreds a Year than he has been commonly reputed. Thus he endures the Torment of Poverty, to avoid the Name of being less rich. If you go to his House you see great Plenty; but served in a Manner that shews it is all unnatural, and that the Master's Mind is not at home. There is a certain Waste and Carelessness in the Air of every thing, and the whole appears but a covered Indigence, a magnificent Poverty. That Neatness and Chearfulness, which attends the Table of him who lives within Compass, is wanting, and exchanged for a Libertine Way of Service in all about him.
This Gentleman's Conduct, tho' a very common way of Management, is as ridiculous as that Officer's would be, who had but few Men under his Command, and should take the Charge of an Extent of Country rather than of a small Pass. To pay for, personate, and keep in a Man's Hands, a greater Estate than he really has, is of all others the most unpardonable Vanity, and must in the End reduce the Man who is guilty of it to Dishonour. Yet if we look round us in any County of Great Britain, we shall see many in this fatal Error; if that may be called by so soft a Name, which proceeds from a false Shame of appearing what they really are, when the contrary Behaviour would in a short Time advance them to the Condition which they pretend to.
Laertes has fifteen hundred Pounds a Year; which is mortgaged for six thousand Pounds; but it is impossible to convince him that if he sold as much as would pay off that Debt, he would save four Shillings in the Pound,  which he gives for the Vanity of being the reputed Master of it. [Yet ] if Laertes did this, he would, perhaps, be easier in his own Fortune; but then Irus, a Fellow of Yesterday, who has but twelve hundred a Year, would be his Equal. Rather than this shall be, Laertes goes on to bring well-born Beggars into the World, and every Twelvemonth charges, his Estate with at least one Year's Rent more by the Birth of a Child.
Laertes and Irus are Neighbours, whose Way of living are an Abomination to each other. Irus is moved by the Fear of Poverty, and Laertes by the Shame of it. Though the Motive of Action is of so near Affinity in both, and may be resolved into this, 'That to each of them Poverty is the greatest of all Evils,' yet are their Manners very widely different. Shame of Poverty makes Laertes> launch into unnecessary Equipage, vain Expense, and lavish Entertainments; Fear of Poverty makes Irus allow himself only plain Necessaries, appear without a Servant, sell his own Corn, attend his Labourers, and be himself a Labourer. Shame of Poverty makes Laertes go every Day a step nearer to it; and Fear of Poverty stirs up Irus to make every Day some further Progress from it.
These different Motives produce the Excesses of which Men are guilty of in the Negligence of and Provision for themselves. Usury, Stock-jobbing, Extortion and Oppression, have their Seed in the Dread of Want; and Vanity, Riot and Prodigality, from the Shame of it: But both these Excesses are infinitely below the Pursuit of a reasonable Creature. After we have taken Care to command so much as is necessary for maintaining our selves in the Order of Men suitable to our Character, the Care of Superfluities is a Vice no less extravagant, than the Neglect of Necessaries would have been before.
Certain it is that they are both out of Nature when she is followed with Reason and good Sense. It is from this Reflection that I always read Mr. Cowley with the greatest Pleasure: His Magnanimity is as much above that of other considerable Men as his Understanding; and it is a true distinguishing Spirit in the elegant Author who published his Works,  to dwell so much upon the Temper of his Mind and the Moderation of his Desires: By this means he has render'd his Friend as amiable as famous. That State of Life which bears the Face of Poverty with Mr. Cowley's great Vulgar, is admirably described; and it is no small Satisfaction to those of the same Turn of Desire, that he produces the Authority of the wisest Men of the best Age of the World, to strengthen his Opinion of the ordinary Pursuits of Mankind.
It would methinks be no ill Maxim of Life, if according to that Ancestor of Sir ROGER, whom I lately mentioned, every Man would point to himself what Sum he would resolve not to exceed. He might by this means cheat himself into a Tranquility on this Side of that Expectation, or convert what he should get above it to nobler Uses than his own Pleasures or Necessities. This Temper of Mind would exempt a Man from an ignorant Envy of restless Men above him, and a more inexcusable Contempt of happy Men below him. This would be sailing by some Compass, living with some Design; but to be eternally bewildered in Prospects of Future Gain, and putting on unnecessary Armour against improbable Blows of Fortune, is a Mechanick Being which has not good Sense for its Direction, but is carried on by a sort of acquired Instinct towards things below our Consideration and unworthy our Esteem. It is possible that the Tranquility I now enjoy at Sir ROGER'S may have created in me this Way of Thinking, which is so abstracted from the common Relish of the World: But as I am now in a pleasing Arbour surrounded with a beautiful Landskip, I find no Inclination so strong as to continue in these Mansions, so remote from the ostentatious Scenes of Life; and am at this present Writing Philosopher enough to conclude with Mr. Cowley;
If e'er Ambition did my Fancy cheat, With any Wish so mean as to be Great; Continue, Heav'n, still from me to remove The humble Blessings of that Life I love. 
[Footnote 1: The Land Tax.]
[Footnote 2: But]
[Footnote 3: Dr. Thomas Sprat, Bishop of Rochester, in his Life of Cowley prefixed to an edition of the Poet's works. The temper of Cowley here referred to is especially shown in his Essays, as in the opening one 'Of Liberty,' and in that 'Of Greatness,' which is followed by the paraphrase from Horace's Odes, Bk. III. Od. i, beginning with the expression above quoted:
Hence, ye profane; I hate ye all; Both the Great Vulgar and the Small.]
[Footnote 4: From the Essay 'Of Greatness.']Translation of motto: