Rather, its purpose is to suggest the thought of not "_over-saving_" at the expense of _personal welfare_.

Our best plan would be to save in reason, not forgetting that life is here to enjoy as we go along.

Then, too, we must have a _credit rating_ among our fellow mortals, just the same as a business person must have credit rating among financial institutions.
[Illustration: _Squaring Things With Sister--From "The Habit of Happiness"_] Credit in business is worth more than money because it allows for expansion whereas money in the bank is only good _as far as it goes_.
Many a merchant who bought and sold for cash all his life found when he came to enlarge his business that one thing was lacking--_credit_.

The fact that he had always paid cash threw a doubt upon his financial condition when he proposed to borrow.

He had neglected to build up a credit as he went along.