Published by Good Press, 2019

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      EAN 4057664094957

Table of Contents

       PREFACE.

       A FABLE.

       THRIFT.

       CHAPTER I.

       CHAPTER II.

       CHAPTER III.

       CHAPTER IV.

       CHAPTER V.

       CHAPTER VI.

       CHAPTER VII.

       CHAPTER VIII.

       CHAPTER IX.

       CHAPTER X.

       CHAPTER XI.

       CHAPTER XII

       CHAPTER XIII.

       CHAPTER XIV.

       CHAPTER XV.

       CHAPTER XVI.

       INDEX.

PREFACE.

       Table of Contents

      This book is intended as a sequel to "Self-Help," and "Character." It might, indeed, have appeared as an introduction to these volumes; for Thrift is the basis of Self-Help, and the foundation of much that is excellent in Character.

      The author has already referred to the Use and Abuse of Money; but the lesson is worthy of being repeated and enforced. As he has already observed—Some of the finest qualities of human nature are intimately related to the right use of money; such as generosity, honesty, justice, and self-denial; as well as the practical virtues of economy and providence. On the other hand, there are their counterparts of avarice, fraud, injustice, and selfishness, as displayed by the inordinate lovers of gain; and the vices of thoughtlessness, extravagance, and improvidence, on the part of those who misuse and abuse the means entrusted to them.

      Sir Henry Taylor has observed that "industry must take an interest in its own fruits, and God has appointed that the mass of mankind shall be moved by this interest, and have their daily labour sweetened by it." The earnings and savings of industry should be intelligent for a purpose beyond mere earnings and savings. We do not work and strive for ourselves alone, but for the benefit of those who dependent upon us. Industry must know how to earn, how to spend, and how to save. The man who knows, like St. Paul, how to spare and how to abound, has a great knowledge.

      Every man is bound to do what he can to elevate his social state, and to secure his independence. For this purpose he must spare from his means in order to be independent in his condition. Industry enables men to earn their living; it should also enable them to learn to live. Independence can only be established by the exercise of forethought, prudence, frugality, and self-denial. To be just as well as generous, men must deny themselves. The essence of generosity is self-sacrifice.

      The object of this book is to induce men to employ their means for worthy purposes, and not to waste them upon selfish indulgences. Many enemies have to be encountered in accomplishing this object. There are idleness, thoughtlessness, vanity, vice, intemperance. The last is the worst enemy of all. Numerous cases are cited in the course of the following book, which show that one of the best methods of abating the Curse of Drink, is to induce old and young to practise the virtue of Thrift.

      Much of this book was written, and some of it published, years ago; but an attack of paralysis, which compelled the author to give up writing for some time, has delayed its appearance until now. For much of the information recently received, he is indebted to Edward Crossley, Esq., Mayor of Halifax; Edward Akroyd, Esq., Halifax; George Chetwynd, Esq., General Post Office; S.A. Nichols, Esq., Over Darwen; Jeremiah Head, Esq., Middlesborough; Charles W. Sikes, Esq., Huddersfield: and numerous other correspondents in Durham, Renfrewshire, Yorkshire, Lancashire, Staffordshire, and South Wales.

      The author trusts that the book will prove useful and helpful towards the purpose for which it is intended.

      London, November, 1875.

      CHAPTER I.

      INDUSTRY.

      Private economy—Useful labours—Our birthright—Results of labour—Necessity for labour—Industry and intellect—Thrift and civilization—Thrifty industry—Thrifty economy. Pages 1—10

      CHAPTER II.

      HABITS OF THRIFT.

      Workmen and capital—Habits of economy—Self-indulgence—Results of thriftlessness—Uses of saved money—Extravagant living—Bargain-buying—Thrift and unthrift—Johnson on economy—Self-respect—Self-help—Uncertainty of life—Laws of mortality—Will nobody help us?—Prosperous times the least prosperous—National prosperity—Moral independence. Pages 11—29

      CHAPTER III.

      IMPROVIDENCE.

      Misery and wealth—The uncivilized—The East End—Edward Denison—Thrift in Guernsey—Improvidence and misery—Social Degradation—Fatalism of improvidence—Self-taxation—Slowness of progress. Pages 30—40

      CHAPTER IV.

      MEANS OF SAVING.

      Earnings of operatives—Colliers and iron-workers—Earnings of colliers—The revellers—Lord Elcho and the colliers—High wages and heavy losses—High wages and drink—Sensual indulgence—Indifference to well-being—Hugh Miller's experience—Mr. Roebuck's advice—Survival of slavery—Extinction of slavery—Power unexercised—Earnings and character—Ignorance is power—Results of ignorance—Increase of knowledge—Education not enough—Words of Sir Arthur Helps—Divine uses of knowledge—Public school education—Words of