CHAPTER V—OUR FIRST SETTLEMENT, AND THE BORROWING SYSTEM

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      To lend, or not to lend—is that the question?

      “Those who go a-borrowing, go a-sorrowing,” saith the old adage; and a wiser saw never came out of the mouth of experience. I have tested the truth of this proverb since my settlement in Canada, many, many times, to my cost; and what emigrant has not? So averse have I ever been to this practice, that I would at all times rather quietly submit to a temporary inconvenience than obtain anything I wanted in this manner. I verily believe that a demon of mischief presides over borrowed goods, and takes a wicked pleasure in playing off a thousand malicious pranks upon you the moment he enters your dwelling. Plates and dishes, that had been the pride and ornament of their own cupboard for years, no sooner enter upon foreign service than they are broken; wine-glasses and tumblers, that have been handled by a hundred careless wenches in safety, scarcely pass into the hands of your servants when they are sure to tumble upon the floor, and the accident turns out a compound fracture. If you borrow a garment of any kind, be sure that you will tear it; a watch, that you will break it; a jewel, that you will lose it; a book, that it will be stolen from you. There is no end to the trouble and vexation arising out of this evil habit. If you borrow a horse, and he has the reputation of being the best-behaved animal in the district, you no sooner become responsible for his conduct than he loses his character. The moment that you attempt to drive him, he shows that he has a will of his own, by taking the reins into his own management, and running away in a contrary direction to the road that you wished him to travel. He never gives over his eccentric capers until he has broken his own knees, and the borrowed carriage and harness. So anxious are you about his safety, that you have not a moment to bestow upon your own. And why?—the beast is borrowed, and you are expected to return him in as good condition as he came to you.

      But of all evils, to borrow money is perhaps the worst. If of a friend, he ceases to be one the moment you feel that you are bound to him by the heavy clog of obligation. If of a usurer, the interest, in this country, soon doubles the original sum, and you owe an increasing debt, which in time swallows up all you possess.

      When we first came to the colony, nothing surprised me more than the extent to which this pernicious custom was carried, both by the native Canadians, the European settlers, and the lower order of Americans. Many of the latter had spied out the goodness of the land, and borrowed various portions of it, without so much as asking leave of the absentee owners. Unfortunately, our new home was surrounded by these odious squatters, whom we found as ignorant as savages, without their courtesy and kindness.

      The place we first occupied was purchased of Mr. B——, a merchant, who took it in payment of sundry large debts which the owner, a New England loyalist, had been unable to settle. Old Joe R——, the present occupant, had promised to quit it with his family, at the commencement of sleighing; and as the bargain was concluded in the month of September, and we were anxious to plough for fall wheat, it was necessary to be upon the spot. No house was to be found in the immediate neighbourhood, save a small dilapidated log tenement, on an adjoining farm (which was scarcely reclaimed from the bush) that had been some months without an owner. The merchant assured is that this could be made very comfortable until such time as it suited R—— to remove, and the owner was willing to let us have it for the moderate sum of four dollars a month.

      Trusting to Mr. B——'s word, and being strangers in the land, we never took the precaution to examine this delightful summer residence before entering upon it, but thought ourselves very fortunate in obtaining a temporary home so near our own property, the distance not exceeding half a mile. The agreement was drawn up, and we were told that we could take possession whenever it suited us.

      The few weeks that I had sojourned in the country had by no means prepossessed me in its favour. The home-sickness was sore upon me, and all my solitary hours were spent in tears. My whole soul yielded itself up to a strong and overpowering grief. One simple word dwelt for ever in my heart, and swelled it to bursting—“Home!” I repeated it waking a thousand times a day, and my last prayer before I sank to sleep was still “Home! Oh, that I could return, if only to die at home!” And nightly I did return; my feet again trod the daisied meadows of England; the song of her birds was in my ears; I wept with delight to find myself once more wandering beneath the fragrant shade of her green hedge-rows; and I awoke to weep in earnest when I found it but a dream. But this is all digression, and has nothing to do with our unseen dwelling. The reader must bear with me in my fits of melancholy, and take me as I am.

      It was the 22nd September that we left the Steam-boat Hotel, to take possession of our new abode. During the three weeks we had sojourned at——, I had not seen a drop of rain, and I began to think that the fine weather would last for ever; but this eventful day arose in clouds. Moodie had hired a covered carriage to convey the baby, the servant-maid, and myself to the farm, as our driver prognosticated a wet day; while he followed with Tom Wilson and the teams that conveyed our luggage.

      The scenery through which we were passing was so new to me, so unlike anything that I had ever beheld before, that in spite of its monotonous character, it won me from my melancholy, and I began to look about me with considerable interest. Not so my English servant, who declared that the woods were frightful to look upon; that it was a country only fit for wild beasts; that she hated it with all her heart and soul, and would go back as soon as she was able.

      About a mile from the place of our destination the rain began to fall in torrents, and the air, which had been balmy as a spring morning, turned as chilly as that of a November day. Hannah shivered; the baby cried, and I drew my summer shawl as closely round as possible, to protect her from the sudden change in our hitherto delightful temperature. Just then, the carriage turned into a narrow, steep path, overhung with lofty woods, and after labouring up it with considerable difficulty, and at the risk of breaking our necks, it brought us at length to a rocky upland clearing, partially covered with a second growth of timber, and surrounded on all sides by the dark forest.

      “I guess,” quoth our Yankee driver, “that at the bottom of this 'ere swell, you'll find yourself to hum;” and plunging into a short path cut through the wood, he pointed to a miserable hut, at the bottom of a steep descent, and cracking his whip, exclaimed, “'Tis