An acquired knowledge of the art of economy is far better than any natural skill therein; for the acquisition will involve the exercise of many intellectual faculties, such as generalization, foresight, calculation, at the same time that the moral faculties are strengthened by the constant exercise of self-control. For, granted that the naturally economical are neither shabbily penurious nor deficient in the duty of almsgiving, it is still evident that it cannot be the same effort to them to deny themselves a tempting act of liberality, or the gratification of elegant and commendable tastes, as it must be to those who are destitute of equally instinctive feelings as to the inadequacy of their funds to meet demands of this nature. It is invariably true that economy must be difficult, and therefore admirable in proportion to the warm-heartedness and the refined tastes of those who practise it. The highly-gifted and the generous meet with a thousand temptations to expenditure beyond their means, of the number and strength of which the less amiable and refined can form no adequate conception. If, however, those above spoken of are exposed to stronger temptations than others, they also carry within themselves the means, if properly employed, of more powerful and skillful defence. There is, as I said before, no right purpose, however contrary to the natural constitution of the mind, for which intellectual powers may not be made available; and if strong feelings render self-denial more difficult, especially in points of charity or generosity, they, on the other hand, serve to impress more deeply and vividly on the mind the painful self-reproach consequent to any act of imprudence and extravagance.
The first effort made by your intellectual powers towards acquiring a practical knowledge of the science of economy should be the important one of generalizing all your expenses, and then performing the same process upon the funds that there is a fair probability of your having at your disposal. The former is difficult, as the expenditure of even a single person, independent of any establishment, involves so many unforeseen contingencies, that, unless by combining the past and the future you generalize a probable average, and then bring this average _within_ your income, you can never experience any of the peace of mind and readiness to meet the calls of charity which economy alone bestows.