The Complete English Tradesman by Daniel Defoe

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Hitherto I have written of tradesmen ruined by lawful and innocent diversions; and, indeed, these are some of the most dangerous pits for a tradesman to fall into, because men are so apt to be insensible of the danger: a ship may as well be lost in a calm smooth sea, and an easy fair gale of wind, as in a storm, if they have no pilot, or the pilot be ignorant or unwary; and disasters of that nature happen as frequently as any others, and are as fatal. When rocks are apparent, and the pilot, bold and wilful, runs directly upon them, without fear or wit, we know the fate of the ship -- it must perish, and all that are in it will inevitably be lost; but in a smooth sea, a bold shore, an easy gale, the unseen rocks or shoals are the only dangers, and nothing can hazard them but the skilfulness of the pilot: and thus it is in trade.

Open debaucheries and extravagances, and a profusion of expense, as well as a general contempt of business, these are open and current roads to a tradesman's destruction; but a silent going on, in pursuit of innocent pleasures, a smooth and calm, but sure neglect of his shop, and time, and business, will as effectually and as surely ruin the tradesman as the other; and though the means are not so scandalous, the effect is as certain. But I proceed to the other.

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