It is best to pay ready money-—to buy nothing on credit—but I shouldn’t have had a furnished house, when we begun housekeeping, if there hadn't been someone prepared to let me have credit. […] I shouldn’t have had a piano thirty years ago, if the credit system had not been in vogue. When it was bought I could just pay a pound down and then so much per week and missings, for with four children, to buy a piano with ready cash out of thirty-five shillings a week, was out of the question. It has paid for itself in pleasure, and before it was finally paid off, we had many nights of music and much family enjoyment from it.