17 



cow may be hought before we consider where the 

 food is to he found. 



Well then, sobriety, patient and iinweared industry, 

 with great frugality, will, especially if practised in 

 early life, generally enable a healthy labourer to ac- 

 cumulate somethmg. "Wlien once the nest egg is laid, 

 the commencement of property takes place, every 

 month or week adds a little to the stock where great 

 industry prevails ; — I had two labourers, who were 

 remarkal)le for unceasing assiduity : every spare mi- 

 nute they devoted to work for themselves, on very 

 small patches of land attached to their houses ; their 

 wives were equally industrious at home, always at the 

 spinning wheel ; they soon saved money enough to 

 stock small farms (about 3 acres each) and one of them 

 gradually enlarging his holding as his capital increased, 

 »ents 30 acres of land, and is a very independent 

 man. Diligence and honest^/ may operate in another 

 way, by recommenfUng the possessor to the notice of 

 his landlord or employer, who, if he is a good and 

 generous man, may advance what may be necessary 

 to set him tip, while the sloven and idler will never 

 obtain cretUt. Putting a small sum monthly or weekly 

 into a Saving's Bank, for which there is Gove^-nment 

 Security, is one of the most certain modes of creating 

 capital; if every spare shilling, instead of being spent 

 on tobacco or whiskey, or idle pastimes, were placed 

 at interest, a very few years' thrift would raise a con- 

 siderable increase; sixpences and shiUings are gene- 

 rally spent unprofitably, even by those who would 

 carefully hoard up a guinea ; but guineas are made 

 of sixpences and shilhngs, and the object and use of a 

 Saving's Bank is to take care of your trilling sums 

 until they become one large one. For instance, two 

 shillings saved every week, will, without interest, 

 amount in twenty years to one hundred and four 

 pounds, twelve shillings ; but with the inte^'est of only 

 four in the hundred, it will amoimt to one himdred 

 and Jiffy-seven pounds in the same time — Two shil- 



