During the day I took what to me is a very important step, namely, the closing up of all my accounts at the stores. I shall now make a very strong effort to pay as I go. The evil of running accounts is quite apparent to me, but I presume it will be difficult to overcome the habit of years. It is so easy to say "charge it," and withal so pleasant, that the day of reckoning, which will come with unerring certainty, is lost sight of. In order to carry out the resolution herein referred to, I was under the necessity of borrowing $80.00.
[Source: Stan Larson (editor), A Ministry of Meetings: The Apostolic diaries of Rudger Clawson, Signature Books in association with Smith Research Associates, Salt Lake City, 1993, http://bit.ly/rudgerclawson]