Thrift. Samuel Smiles
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And yet Mr. Denison clearly saw that if the people were sufficiently educated, and taught to practise the virtue of Thrift, much of this misery might be prevented. "The people," he elsewhere says, "create their destitution and their disease. Probably there are hardly any of the most needy who, if they had been only moderately frugal and provident, could not have placed themselves in a position to tide over the occasional months of want of work, or of sickness, which there always must be. … I do not underrate the difficulty of laying by out of weekly earnings, but I say it can be done. A dock-labourer, while a young, strong, unmarried man, could lay by half his weekly wages, and such men are almost sure of constant employment."
After showing how married men might also save, Mr. Denison goes on to say, "Saving is within the reach of nearly every man, even if quite at the bottom of the tree; but if it were of anything like common occurrence, the destitution and disease of this city would be kept within quite manageable limits. And this will take place. I may not live to see it, but it will be within two generations. For, unfortunately, this amount of change may be effected without the least improvement in the spiritual condition of the people. Good laws, energetically enforced, with compulsory education, supplemented by gratuitous individual exertion (which will then have a much reduced field and much fairer prospects), will certainly succeed in giving the mass of the people so much light as will generally guide them into so much industry and morality as is clearly conducive to their bodily ease and advancement in life."
The difference in thriftiness between the English workpeople and the inhabitants of Guernsey is thus referred to by Mr. Denison: "The difference between poverty and pauperism is brought home to us very strongly by what I see here. In England, we have people faring sumptuously while they are getting good wages, and coming on the parish paupers the moment those wages are suspended. Here, people are never dependent upon any support but their own; but they live, of their own free will, in a style of frugality which a landlord would be hooted at for suggesting to his cottagers. We pity Hodge, reduced to bacon and greens, and to meat only once a week. The principal meal of a Guernsey farmer consists of soupe à la graisse, which is, being interpreted, cabbage and peas stewed with a little dripping. This is the daily dinner of men who own perhaps three or four cows, a pig or two, and poultry. But the produce and the flesh of these creatures they sell in the market, investing their gains in extension of land, or stock, or in "quarters," that is, rent-charges on land, certificates of which are readily bought and sold in the market."[1]
[Footnote 1: Letters and other writings of the late Edward Denison, M.P., pp. 141, 142.]
Mr. Dension died before he could accomplish much. He was only able to make a beginning. The misery, arising from improvidence, which he so deeply deplored, still exists, and is even more widely spread. It is not merely the artizan who spends all that he earns, but the classes above him, who cannot plead the same excuse of ignorance. Many of what are called the "upper" classes are no more excusable than the "lower." They waste their means on keeping up appearances, and in feeding folly, dissipation, and vice.
No one can reproach the English workman with want of industry. He works harder and more skilfully than the workman of any other country; and he might be more comfortable and independent in his circumstances, were he as prudent as he is laborious. But improvidence is unhappily the defect of the class. Even the best-paid English workmen, though earning more money than the average of professional men, still for the most part belong to the poorer classes because of their thoughtlessness. In prosperous times they are not accustomed to make provision for adverse times; and when a period of social pressure occurs, they are rarely found more than a few weeks ahead of positive want.
Hence, the skilled workman, unless trained in good habits, may exhibit no higher a life than that of the mere animal; and the earning of increased wages will only furnish him with increased means for indulging in the gratification of his grosser appetites. Mr. Chadwick says, that during the Cotton Famine, "families trooped into the relief rooms in the most abject condition, whose previous aggregate wages exceeded the income of many curates—as had the wages of many of the individual workmen."[1] In a time of prosperity, working-people feast, and in a time of adversity they "clem." Their earnings, to use their own phrase, "come in at the spigot and go out at the bunghole." When prosperity comes to an end, and they are paid off, they rely upon chance and providence—the providence of the Improvident!
[Footnote 1: Address on Economy and Trade. By EDWIN CHADWICK, C.B., p. 22.]
Though trade has invariably its cycles of good and bad years, like the lean and fat kine in Pharaoh's dream—its bursts of prosperity, followed by glut, panic, and distress—the thoughtless and spendthrift take no heed of experience, and make no better provision for the future. Improvidence seems to be one of the most incorrigible of faults. "There are whole neighbourhoods in the manufacturing districts," says Mr. Baker in a recent Report, "where not only are there no savings worth mentioning, but where, within a fortnight of being out of work, the workers themselves are starving for want of the merest necessaries." Not a strike takes place, but immediately the workmen are plunged in destitution; their furniture and watches are sent to the pawnshop, whilst deplorable appeals are made to the charitable, and numerous families are cast upon the poor-rates.
This habitual improvidence—though of course there are many admirable exceptions—is the real cause of the social degradation of the artizan. This too is the prolific source of social misery. But the misery is entirely the result of human ignorance and self-indulgence. For though the Creator has ordained poverty, the poor are not necessarily, nor as a matter of fact, the miserable. Misery is the result of moral causes—most commonly of individual vice and improvidence.
The Rev. Mr. Norris, in speaking of the habits of the highly paid miners and iron-workers of South Staffordshire, says, "Improvidence is too tame a word for it—it is recklessness; here young and old, married and unmarried, are uniformly and almost avowedly self-indulgent spendthrifts. One sees this reckless character marring and vitiating the nobler traits of their nature. Their gallantry in the face of danger is akin to foolhardiness; their power of intense labour is seldom exerted except to compensate for time lost in idleness and revelry; their readiness to make 'gatherings' for their sick and married comrades seems only to obviate the necessity of previous saving; their very creed—and, after their sort, they are a curiously devotional people, holding frequent prayer-meetings in the pits—often degenerates into fanatical fatalism. But it is seen far more painfully and unmistakably in the alternate plethora and destitution between which, from year's end to year's end, the whole population seems to oscillate. The prodigal revelry of the reckoning night, the drunkenness of Sunday, the refusal to work on Monday and perhaps Tuesday, and then the untidiness of their home towards the latter part of the two or three weeks which intervene before the next pay-day; their children kept from school, their wives and daughters on the pit-bank, their furniture in the pawnshop; the crowded and miry lanes in which they live, their houses often cracked from top to bottom by the 'crowning in' of the ground, without drainage, or ventilation, or due supply of water;—such a state of things as this, co-existing with earnings which might ensure comfort and even prosperity, seems to prove that no legislation can cure the evil."
We have certainly had numerous "Reforms." We have had household suffrage, and vote by ballot. We have relieved the working classes of the taxes on corn, cattle, coffee, sugar, and provisions generally; and imposed a considerable proportion of the taxes from which they have been relieved on the middle and upper ranks. Yet these