小故事

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 likely 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 any thing he has bought, pays interest the use of it.
还有，一个赊帐出售物品的人，对他所售货物要求的价格相当于货物的本钱加上他暂时不能利用的那笔钱的利息。因此，一个赊帐购买的人，要为他所买的货物支付利息。而一个用现金购买的人，如果不买的话，是可以把那笔钱借给别人使用的。所以，一个拥有任何买来的东西的人，都要为使用这东西而支付利息。
Consider then when you are tempted to buy any unnecessary household stuff, or any superfluous thing, whether you will be willing to pay interest, and interest upon interest for it as long as you live; and more if it grows worse by using.
当你感到一种引诱，想要买任何并不急需的家用品，或任何不必要的东西的时候，你就要好好考虑一下，你是否愿意为它支付利息，并且终身为它利上加利；如果这东西是会用坏的，那末还要付得更多。
Yet, in buying goods, it is best to pay ready money, because, he that sells upon credit, expects to lose 5 percent by bad debts; therefore he charges, on all he sells upon credit, an advance that shall make up that deficiency.
然而，在买东西时，最好还是付现金，因为赊帐售物的人，估计由于吃倒帐会损失百分之五，所以把赊售的所有货物都要加码，以弥补这笔损失。
Those who pay for what they buy upon credit, pay their share of this advance.
那些赊帐购物的人，得支付他们所应分担的这笔加码的价款。
He that pays ready money, escapes or may escape that charge.
而用现金购物的人，则不需或可能不需支付这笔钱。
A penny saved is two pence clear;
省下的一便士是不折不扣的两便士；
A pin a day is a groat a year.
每天节约一丁点儿一年就是一大笔。

重点讲解

重点讲解：
1. keep out of
（使）坚持（避免或不卷入）；
eg. You'd better keep out of their quarrel.
你最好不要介入他们的争吵当中。
eg. Tell the children to keep out of mischief!
告诉这些孩子不要调皮！
2. be tempted to do sth.
想做…的；希望做的；
eg. I'm very tempted to sell my house.
我很想把我的房子卖掉。
eg. Some people may be tempted to give untruthful answers.
有些人也许会不由得想要作出不实回答。
3. be willing to do sth.
乐意的；愿意的；
eg. Don't waste your time on someone who isn't willing to waste their time on you.
不要为那些不愿在你身上花费时间的人而浪费你的时间。
eg. We were excited that the company was more than willing to offer us what we needed.
那家公司很乐意提供我们所需要的，我们很激动。
4. make up
凑足；补齐；
eg. The team had six professionals and made the number up with five amateurs.
该队有6名职业运动员和凑数的5名业余运动员。
eg. Less than half of the money that students receive is in the form of grants, and loans have made up the difference.
学生领到的钱有不到一半是助学金，差额部分由贷款补足。