Show Is t if wry WHY HY BUY SO MUCH ON oil 1 l CREDIT t s SOMETIMES there is a degree degreer of convenience in people generally burch purchasing asing things on credit put but there is fi always a great deal deai of in convenience about it add not quenta it eulaila much trouble ani and considerable injustice the practice of numbers of people inthe ia the country a and nd in the various towns and aud cities purchasing varl vari various ous things of bf peddlers and canvasser canvassers sj and paying for them in notes i usually running on interest after a short not seem to us to bo be commendable but we believe beh beb devoit it is condu cent of much anxiety privation suffering and injustice nud som sometimes times to very serious loss f property and confidence as sad we proceed t tp allow 1 it is a delusion to think that men who lend lead their capital or in other words give credit do net do it with the express view 0 of f being paid 2 over and above the actual value orthe goods on which they give credit this consideration for the use of the capital lent the purchaser has to tb pay either directly in the shape of interest or indirectly in iti the shape of enhanced prices on the goods so purchased thus in one way or other the purchaser pays paya more for goods bought on credit than he would for goods bought for ready pay in some instances the use of the goods on credit ia ix a sufficient consideration to the purchaser to overbalance the enhanced aced prices given but in very many instances this is not the case or if it is the purchaser purchased is not able to pay for the increased convenience so obtained and th therefore is not morally warranted in increasing the obliga obligation ti on and he and his family for the tho their ti present gratification suffer after ward iii in consequence 2 it is a delusion to think that paying in iw the future is actually easier than paying in the present As a rule to pay as you go ia is the easiest way to pay because if you py pay as you go you will not pur ehase anything you cannot pay for tor forand if you pur put purchase chase ehase on credit you will be likely to buy things you really cannot afford and when t the aime alme of payment does come g generally ene rally raily it is just as hard to fo find th the pay as it was wai when you bought the goods and th eigher price and the interest on the price make it s till harder 3 when you foel feel tempted to purchase things off on credit before you do purchase act not upon the supposition that you have already pur chased and jand try a few to save up means to tomake tomako inako Inake your payment that will open your eyes a little as to t the of pa paying vang I 1 your debts for generally it will be as hard to pay for a thing months after you chave bought it ns as it is to save lip up means to pay for it when you bli bil buy V it the fact that there are so many unsettled debts of long iong longstanding standing in the country is ample amplo proof that there is a great difficulty in paying them it is just as hard to pay them as it is to collect them and those who have had debts to collect know how hard that is 4 let us suppose a not unlikely case casid A pushing firm bas has goods to sell I 1 they may be machinery or fruit trees or anything else the nirm jirm sends seeds out oily tongued canvassers all through thee the territory to sell the goods either for ready money or on credit if on credit then at enhanced prices or at the same prices with Int interest erest erett added or perhaps at enhanced prices with in interest added also many of the people purchase these their money for them or give their notes for them if they money they may have wheat to to pay with or live stock at cash prices if they have none of these they wan can qan virtually mortgage their future c crops 9 if they lle ile lie hive not crops in v view v to mortgage they can mortgage their real estate as security for these note notes thus in time these pushing and insinuating canvassers may rany have in their grasp much of the money the grain the live stock the coming 7 7 crops and the real estate of a district of country what for for debts for goods that might have been done without far better done without than thau done with on such terms and at such an ultimate cost coat 6 here is another point to be con considered si dered derod and that is that these note debts often prevent men from liquidating their mor more just ejust liabilities to their neighbors and friends and thus doing them a positive in justice j ustice t ff you owe your neighbors honest debts it is not right of you to put it out of your power to pay them thern with wih anything like promptness and perhaps to pay them at all by yot yet your ir purchasing these goods of canvas canvassers aers for ready pay or oram on credit secured by your note and your note secured by your available property there ia is no justice in that further making these purchases ur on credit prevents you from properly properly perly supporting many laudable iro Ero home ome enterprises and from paying your neighbors in anything but the poorest pay if any at all and consequently your neighbors neigh bors bora will be likely to have as little good pay to pay you for anything you may do for them as you have to pay them for anything they may do for you thus local enterprise buffers suffers sj and i yow you and your jour neighbors neigh bors bora gro grow w poor toge together tIfer much poorer than there is any necessity ty or just occasion for 6 there are two great evils attending this unnecessary getting into debt it induces much bondage I 1 privation and distress by creating or intensifying ing financial stringency and it ia Is a potent means of weakening the confidence of members of the community in each other either of these evils should be sufficient to make people stop and think before plunging rashly into debt of this kind but both evils combined should make mako the matte matter roue rohe one of more than ordinarily sober and thoughtful consideration era tion and absolutely deter people from going into debt particularly debt of this kind at least in the large majority of cases |