The Prosperity & Wealth Bible. Kahlil Gibran

I thought my best friend, reviled me bitterly and I left him in humiliation. Birejik, the farmer, pleaded that I pay him first as he didst badly need help. Alkahad, the house owner, was indeed disagreeable and insisted that he would make me trouble unless I didst soon settle in full with him.

      All the rest willingly accepted my proposal. Therefore am I more determined than ever to carry through, being convinced that it is easier to pay one’s just debts than to avoid them. Even though I cannot meet the needs and demands of a few of my creditors I will deal impartially with all.

      Tablet No. 4

      Again the moon shines full. I have worked hard with a free mind. My good wife hath supported my intentions to pay my creditors. Because of our wise determination, I have earned during the past moon, buying camels of sound wind and good legs, for Nebatur, the sum of nineteen pieces of silver.

      This I have divided according to the plan. One-tenth have I set aside to keep as my own, seven-tenths have I divided with my good wife to pay for our living. Two-tenths have I divided among my creditors as evenly as could be done in coppers.

      I did not see Ahmar but left it with his wife. Birejik was so pleased he would kiss my hand. Old Alkahad alone was grouchy and said I must pay faster. To which I replied that if I were permitted to be well fed and not worried, that alone would enable me to pay faster. All the others thanked me and spoke well of my efforts.

      Therefore, at the end of one moon, my indebtedness is reduced by almost four pieces of silver and I possess almost two pieces of silver besides, upon which no man hath claim. My heart is lighter than it hath been for a long time.

      Again the moon shines full. I have worked hard but with poor success. Few camels have I been able to buy. Only eleven pieces of silver have I earned. Nevertheless my good wife and I have stood by the plan even though we have bought no new raiment and eaten little but herbs.

      Again I paid ourselves one-tenth of the eleven pieces, while we lived upon seven-tenths. I was surprised when Ahmar commended my payment, even though small. So did Birejik. Alkahad flew into a rage but when told to give back his portion if he did not wish it, he became reconciled. The others, as before, were content Again the moon shines full and I am greatly rejoiced. I intercepted a fine herd of camels and bought many sound ones, therefore my earnings were forty-two pieces of silver. This moon my wife and myself have bought much needed sandals and raiment Also we have dined well on meat and fowl.

      More than eight pieces of silver we have paid to our creditors. Even Alkahad did not protest.

      Great is the plan for it leadeth us out of debt and giveth us wealth which is ours to keep.

      Three times the moon had been full since I last carved upon this clay. Each time I paid to myself one-tenth of all I earned. Each time my good wife and I have lived upon seven-tenths even though at times it was difficult. Each time have I paid to my creditors two-tenths.

      In my purse I now have twenty-one pieces of silver that are mine. It maketh my head to stand straight upon my shoulders and maketh me proud to walk among my friends. My wife keepeth well our home and is becomingly gowned. We are happy to live together.

      The plan is of untold value. Hath it not made an honorable man of an ex-slave?

      Tablet No. 5

      Again the moon shines full and I remember that it is long since I carved upon the clay. Twelve moons in truth have come and gone. But this day I will not neglect my record because upon this day I have paid the last of my debts. This is the day upon which my good wife and my thankful self-celebrate with great feasting that our determination hath been achieved.

      Many things occurred upon my final visit to my creditors that I shall long remember. Ahmar begged my forgiveness for his unkind words and said that I was one of all others he most desired for a friend.

      Old Alkahad is not so bad after all, for he said, “Thou wert once a piece of soft clay to be pressed and molded by any hand that touched thee, but now thou art a piece of bronze capable of holding an edge. If thou needst silver or gold at any time come to me.”

      Nor is he the only one who holdeth me in high regard. Many others speak deferentially to me. My good wife looketh upon me with a light in her eyes that doth make a man have confidence in himself.

      Yet it is the plan that hath made my success. It hath enabled me to pay all my debts and to jingle both gold and silver in my purse. I do commend it to all who wish to get ahead. For truly if it will enable an ex-slave to pay his debts and have gold in his purse, will it not aid any man to find independence? Nor am I, myself, finished with it, for I am convinced that if I follow it further it will make me rich among men.

      St. Swithin’s College

      Nottingham University

      Newark-on-Trent

      Nottingham

      Professor Franklin Caldwell,

      Care of British Scientific Expedition,

      Hillah, Mesopotamia.

      November 7th, 1936.

      My dear professor:

      If, in your further digging into those ruins of Babylon, you encounter the ghost of a former resident, an old camel trader named Dabasir, do me a favor. Tell him that his scribbling upon those clay tablets, so long ago, has earned for him the lifelong gratitude of a couple of college folks back here in England.

      You will possibly remember my writing a year ago that Mrs. Shrewsbury and myself intended to try his plan for getting out of debt and at the same time having gold to jingle. You may have guessed, even though we tried to keep it from our friends, our desperate straits.

      We were frightfully humiliated for years by a lot of old debts and worried sick for fear some of the tradespeople might start a scandal that would force me out of the college. We paid and paid — every shilling we could squeeze out of income — but it was hardly enough to hold things even. Besides we were forced to do all our buying where we could get further credit regardless of higher costs.

      It developed into one of those vicious circles that grow worse instead of better. Our struggles were getting hopeless. We could not move to less costly rooms because we owed the landlord. There did not appear to be anything we could do to improve our situation.

      Then, here comes your acquaintance, the old camel trader from Babylon, with a plan to do just what we wished to accomplish. He jolly well stirred us up to follow his system. We made a list of all our debts and I took it around and showed it to everyone we owed.

      I explained how it was simply impossible for me to ever pay them the way things were going along. They could readily see this themselves from the figures. Then I explained that the only way I saw to pay in full was to set aside twenty percent of my income each month to be divided pro rata, which would pay them in full in a little over two years. That, in the meantime, we would go on a cash basis and give them the further benefit of our cash purchases.

      They were really quite decent. Our greengrocer, a wise old chap, put it in a way that helped to bring around the rest. “If you pay for all you buy and then pay some on what you owe, that is better than you have done, for ye ain’t paid down the account none in three years.”

      Finally I secured all their names to an agreement binding them not to molest us as long as the twenty percent of income was paid regularly. Then we began scheming on how to live upon seventy percent. We were determined to keep that extra ten percent to jingle. The thought of silver and possibly gold was most alluring.

      It was like having an adventure to make the change. We enjoyed figuring this way and that, to live comfortably upon that remaining seventy percent. We started with rent and managed to secure a fair reduction. Next we put our favorite brands of tea and such under suspicion and were agreeably surprised how often we could purchase superior qualities at less cost.

      It is too long a story for a letter but anyhow it did not prove difficult. We managed and right cheerfully at that. What a relief it proved to have our affairs