284 LECTUEE XXIII. 



informed the manager how it was that he had 

 been induced to become a depositor. He had 

 been a drinker, but one day accidentally finding 

 his wife's savings' bank deposit-book, from which 

 he learnt that she had laid by about 201. , he 

 said to himself, " Well, now, if this can be done 

 while I am spending, what might we do if both 

 were saving ? " The man gave up his drinking, 

 and became one of the most respectable men of 

 his class. " I owe it all," he said, cf to my wife 

 and the savings' bank." 



It is my wish to impress upon you that, if you 

 do not lay by money, you cannot improve your 

 present condition. You are fixed like a limpet 

 to the rock. But with some money at your 

 command, you may find various methods of 

 laying it out to advantage. Recollect, also, that 

 if you cannot deposit one or two shillings every 

 week, you can put into the Penny Bank, and 

 this generally leads to larger deposits. 



I have only to add, that I trust all of you 

 will avoid the great sin of drunkenness. It is 

 a sort of leprosy, clinging to many in this happy 

 country. People may talk of deaths by war, by 

 disease, or famine ; but be quite sure that, de- 

 structive as these are, they are nothing when 



