ON SAYINGS' BANKS. 279 



But there is another method of becoming 

 independent, and that is, by deposits in a savings' 

 bank. Now, you may think it difficult to put 

 by a trifling sum every week out of your earn- 

 ings ; but be assured that you may do this if you 

 have the will. In the poorest family there are 

 odds and ends of income apt to be frittered away 

 in unnecessary expenditure, but which might be 

 saved. I will give you an instance in proof of 

 this. In a poor village in the north of England, 

 a good clergyman established a savings' bank. 

 It was a very unlikely place to succeed ; but he 

 did succeed. The wages of the workmen were 

 only 85. a -week, and female labourers and 

 servants had much less. The institution rose 

 in four years as follows: The first year 15 11. 

 were deposited; 1761. the second year; 241Z. 

 the third ; and the fourth, 922Z. 



Let me give you another instance, also well 

 authenticated. The Royal Artillery Corps has 

 1432 depositors, and their savings on the 31st 

 of March, 1859, amounted to 23,01 2 1, or an 

 average of 16Z. to each depositor. This was 

 done out of a daily pay of Is. 3d. and one penny 

 for beer money, or about 9s. 6d. a-week, but 

 subject to deductions for extra clothing, &c. 



