150 SEVENTH REPORT—1837. 
earned 14s. a week and under, (the average wages being 13s. 7d.,) and 
113 were of those receiving above that sum. The kind of provision 
was partial, not meeting trade fluctuations at all; and unsatisfactory, 
because sick clubs are often ill managed, insolvent, and held at public 
houses: the Savings’ Bank was neglected, which is secure, and gives 
facilities for receiving and withdrawing deposits to suit every emer- 
gency. These 1043 cases, being unselected ones, and the returns 
impartially dealt with, give results similar to those obtained from in- 
quiries and observations carried on in other manufacturing districts, 
and indicate an important defect in the economic principles and con- 
duct of the well-paid amongst the manufacturing workmen; and seem 
to justify the writer in urging upon this Section and statistical societies, 
an inquiry into the best mode of ascertaining upon a large scale the 
rates and appropriation of earnings. After the preceding statements 
were drawn up, the writer made out a classified account of the de- 
positors in the Nottingham Savings’ Bank. This document confirms 
the views he has stated; for the number and amount of deposits from 
the workmen in the staple trades is very small, but large from the work- 
women, whose wages are invariably of but moderate amount, By far 
the largest part of the sum deposited is by domestic servants; their 
number was 1813; dress makers, cheveners, widows, governesses, &c., 
924; labourers 702; artisans 443; clerks 77; retail traders 497 ; lace- 
makers 437 ; stockingers 360; trustees 509; sundries, chiefly infants, 
339 ; total 6101 ; in 1836, 6218; accounts decreased during this pressure 
in trade 117, The balances of 6057 accounts amounted to £142,328, 
or £23. 10s. each ; 267 lace deposits amounted to 14s. 4d., and the 
other 170 to £28 each ; 120 stockingers’ deposits to £1 each, and the 
remaining 240 to £23.18s. each. The smaller sums are evidently 
mere balances, The real depositors in the staple trades are 410, and 
amount to £10,495. These have been scarcely affected by the late 
pressure, either in number or amount. 
P.S. It may be proper to state that, the Section having requested 
the publication of this paper, the writer urged upon the well-paid work- 
ing classes the duty and benefit of exercising economy and foresight 
in the disbursement of their wages, through a few pages of supplement- 
ary observations ; and four editions of about 10,000 copies have been 
distributed (three of the editions at the expense of private individuals, ) 
chiefly amongst the working people of the manufacturing districts. 
