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 William Felkin. Pages 41—64
CHAPTER V.
EXAMPLES OF THRIFT.
Spirit of order—Examples of economy—David Hume—Rev. Robert Walker—Self-application—Distinguished miners—Geo. Stephenson—James Watt—Working for independence—Working for higher things—Work and culture—Richardson and Gregory—Results of application—Distinguished artists—Canova and Lough—John Lough—Lough's success—Words of Lord Derby—James Nasmyth—Bridgewater foundry—Advice to young men. Pages 65—88
CHAPTER VI.
METHODS OF ECONOMY.
Keeping regular account—Generosity and forethought—Prudent economy—A dignity in saving—Self-improvement—Causes of failure—The price of success—Power of combining—Principle of association—Savings of capital—Loss by strikes—Money thrown away—Industrial societies—Co-operative companies—Equitable pioneers—Darwen co-operatives—Spread of co-operation—Thrift conservative—Uses of investments in building societies. Pages 89—109
CHAPTER VII.
ECONOMY IN LIFE ASSURANCE.
Co-operation in assurance—Improvidence cruel—Compensation of assurance—Benefit societies—French and Belgian thrift—Workmen's societies—Manchester Unity—Duty and Dinners—Low rates of contribution—Failure of friendly societies—Improvement by experience—Defects will disappear. Pages 110—122
CHAPTER VIII.
SAVINGS BANKS.
Direct saving—Uses of saved money—Beginnings of savings banks—Dr. Duncan of Ruthwell—Establishment of savings banks—Classes of Depositors—Magic of drill—Military savings banks—Savings of soldiers—Soldiers abroad—Deposits in savings banks—Savings at Bilston—Savings of working men—Penny banks—Charles W. Sikes—Mechanics' institute banks—The poor man's purse—Depositors in penny banks—They cultivate prudent habits—Influence of women—Early lessons in thrift—Belgian Schools—Facilities for saving—Extension of savings banks—Money order offices—Post office savings banks—Charles W. Sikes—Lessons of thrift—Mechanics' savings banks—Savings of artizans—Savings in Preston. Pages 123—158
CHAPTER IX.
LITTLE THINGS.
Luck and labour—Neglect of little things—"It will do!"—Spending of pennies—The thrifty woman—A helpful wife—A man's daily life—The two workmen—Rights and habits—Influence of the wife—A penny a day—The power of a penny—Joseph Baxendale—Pickford and Co.—Roads and Railways—Business maxims. Pages 159—178
CHAPTER X.
MASTERS AND MEN.
Want of sympathy—Masters and servants—Christian sympathy—Competition—What capital represents—Workmen and employers—The Ashworths—New Eagley Mills—Improved workpeople—Public spirit of manufacturers—Mr. Lister of Bradford—Mr. Foster's speech—Great men wise savers—Sir Titus Salt—Saltaire—Its institutions—Music and sobriety—Mr. Akroyd, Halifax—Yorkshire penny bank—Origin of the bank—How to help the poor—Saving helps sobriety—Drunkenness put down—"Childish work"—Penny banks. Pages 179—204
CHAPTER XI.
THE CROSSLEYS—MASTERS AND MEN (CONTINUED).
John Crossley—Martha Crossley—A courtship begun—A courtship concluded—John Crossley begins business—Dean Clough Mill—The Crossley family—Sir Francis Crossley—Martha Crossley's vow—Halifax People's Park—Martha's vow fulfilled—Co-operation of colliers—Partnership of industry—Other co-operative schemes—Jeremiah Head—Newport rolling mills—Bonuses to workmen—Mr. Carlyle's letter—A contrast—A hundred years ago—Popular amusements—Improvement of manners—English mechanics and workmen—English engineers and miners—Swiftness of machinery—Foreign workmen—Provident habits of foreigners. Pages 205—232
CHAPTER XII.
LIVING BEYOND THE MEANS.
Hypocrisy and debt—Conventionalism—Keeping up appearances—Exclusive circles—Women and exclusiveness—Women and extravagance—Running into debt—The temptation of shopkeepers—Temptations to crime—How crime is committed—Love of dress—Gents—Reckless expenditure—Knowledge of Arithmetic—Marriage—Happy tempers—Responsibilities of marriage—Marriage not a lottery—The man who couldn't say "No"—The courage to say "No"—"Respectable" funerals—Funeral extravagance—John Wesley's will—Funeral reform. Pages 233—258
CHAPTER XIII.
GREAT DEBTORS.
Greatness and debt—Seedy side of debt—Running up bills—Loan clubs—Genius and debt—Fox and Sheridan—Sheridan's debts—Lamartine—Webster—Debts of men of science—Debts of artists—Italian artists—Haydon—The old poets—Savage and Johnson—Steele and Goldsmith—Goldsmith's debts—Goldsmith's advice—Byron's debts—The burden of debt—Burns and Sydney Smith—De Foe and Southey—Southey and Scott—Scott's debts and labours—Great poor men—Johnson's advice—Genius and debt—Literary men. Pages 259—285
CHAPTER XIV.
RICHES AND CHARITY.
Helping the helpless—Dr. Donne—Rich people—Love of gold—Eagerness to be rich—Riches and poverty—Riches in old age—Riches no claim to distinction—Democrats and riches—Saladin the great—Don Jose de Salamanca—Compensations of poverty—Honest poverty—Poverty and happiness—Charity—Evils of money-giving—Philanthropy and charity—Rich people's wills—Stephen Girard—Thomas Guy—Educational charities—Peabody's benefaction—Benefactors of the poor—The Navvy's Home. Pages 286—314
CHAPTER XV.
HEALTHY HOMES.
Healthy existence—Necessity for pure air—The fever tax—The Arcadians—The rural poor—Influence of the home—Unhealthy homes—Health and drunkenness—Wholesome dwellings—Edwin Chadwick—Expectancy of life—The poor laws—The sanitary idea—The sanitary inquiry—Sanitary commission—Sanitary science—Results of uncleanness—Losses by ill-health—That terrible Nobody!—Home reform—Domestic improvement—Cleanliness—Dirt
