Secondly, servants, if the man was frugal before, it may be he shifted with a shop, and a servant in it, an apprentice, or journeyman, or perhaps without one at first, and a lodging for himself, where he kept no other servant, and so his expenses went on small and easy; or if he was obliged to take a house because of his business and the situation of his shop, he then either let part of the house out to lodgers, keeping himself a chamber in it, or at the worst left it unfurnished, and without any one but a maid-servant to dress his victuals, and keep the house clean; and thus he goes on when a bachelor, with a middling expense at most.
But when he brings home a wife, besides the furnishing his house, he must have a formal house-keeping, even at the very first; and as children come on, more servants, that is, maids, or nurses, that are as necessary as the bread he eats--especially if he multiplies apace, as he ought to suppose he may--in this case let the wife be frugal and managing, let her be unexceptionable in her expense, yet the man finds his charge mount high, and perhaps too high for his gettings, notwithstanding the additional stock obtained by her portion.

And what is the end of this but inevitable decay, and at last poverty and ruin?
Nay, the more the woman is blameless, the more certain is his overthrow, for if it was an expense that was extravagant and unnecessary, and that his wife ran him out by her high living and gaiety, he might find ways to retrench, to take up in time, and prevent the mischief that is in view.

A woman may, with kindness and just reasoning, be easily convinced, that her husband cannot maintain such an expense as she now lives at; and let tradesmen say what they will, and endeavour to excuse themselves as much as they will, by loading their wives with the blame of their miscarriage, as I have known some do, and as old father Adam, though in another case, did before them, I must say so much in the woman's behalf at a venture.

It will be very hard to make me believe that any woman, that was not fit for Bedlam, if her husband truly and timely represented his case to her, and how far he was or was not able to maintain the expense of their way of living, would not comply with her husband's circumstances, and retrench her expenses, rather than go on for a while, and come to poverty and misery.

Let, then, the tradesman lay it early and seriously before his wife, and with kindness and plainness tell her his circumstances, or never let him pretend to charge her with being the cause of his ruin.