Thrift. Samuel Smiles
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Now it is the business of man to understand the laws of health, and to provide against their consequences—as, for instance, in the matter of sickness, accident, and premature death. We cannot escape the consequences of transgression of the natural laws, though we may have meant well. We must have done well. The Creator does not alter His laws to accommodate them to our ignorance. He has furnished us with intelligence, so that we may understand them and act upon them: otherwise we must suffer the consequences in inevitable pain and sorrow.
We often hear the cry raised, "Will nobody help us?" It is a spiritless, hopeless cry. It is sometimes a cry of revolting meanness, especially when it issues from those who with a little self-denial, sobriety, and thrift, might easily help themselves.
Many people have yet to learn, that virtue, knowledge, freedom, and prosperity must spring from themselves. Legislation can do very little for them: it cannot make them sober, intelligent, and well-doing. The prime miseries of most men have their origin in causes far removed from Acts of Parliament.
The spendthrift laughs at legislation. The drunkard defies it, and arrogates the right of dispensing with forethought and self-denial—throwing upon others the blame of his ultimate wretchedness. The mob orators, who gather "the millions" about them, are very wide of the mark, when, instead of seeking to train their crowd of hearers to habits of frugality, temperance, and self-culture, they encourage them to keep up the cry, "Will nobody help us?"
The cry sickens the soul. It shows gross ignorance of the first elements of personal welfare. Help is in men themselves. They were born to help and to elevate themselves. They must work out their own salvation. The poorest men have done it; why should not every man do it? The brave, upward spirit ever conquers.
The number of well-paid workmen in this country has become very large, who might easily save and economize, to the improvement of their moral well-being, of their respectability and independence, and of their status in society as men and citizens. They are improvident and thriftless to an extent which proves not less hurtful to their personal happiness and domestic comfort, than it is injurious to the society of which they form so important a part.
In "prosperous times" they spend their gains recklessly, and when adverse times come, they are at once plunged in misery. Money is not used, but abused; and when wage-earning people should be providing against old age, or for the wants of a growing family, they are, in too many cases, feeding folly, dissipation, and vice. Let no one say that this is an exaggerated picture. It is enough to look round in any neighbourhood, and see how much is spent and how little is saved; what a large proportion of earnings goes to the beershop, and how little to the savings bank or the benefit society.
"Prosperous times" are very often the least prosperous of all times. In prosperous times, mills are working full time; men, women, and children are paid high wages; warehouses are emptied and filled; goods are manufactured and exported; wherries full of produce pass along the streets; immense luggage trains run along the railways, and heavily-laden ships leave our shores daily for foreign ports, full of the products of our industry. Everybody seems to be becoming richer and more prosperous. But we do not think of whether men and women are becoming wiser, better trained, less self-indulgent, more religiously disposed, or living for any higher purpose than the satisfaction of the animal appetite.
If this apparent prosperity be closely examined, it will be found that expenditure is increasing in all directions. There are demands for higher wages; and the higher wages, when obtained, are spent as soon as earned. Intemperate habits are formed, and, once formed, the habit of intemperance continues. Increased wages, instead of being saved, are for the most part spent in drink.
Thus, when a population is thoughtless and improvident, no kind of material prosperity will benefit them. Unless they exercise forethought and economy, they will alternately be in a state of "hunger and burst." When trade falls off, as it usually does after exceptional prosperity, they will not be comforted by the thought of what they might have saved, had it ever occurred to them that the "prosperous times" might not have proved permanent.
During prosperous times, Saint Monday is regularly observed. The Bank Holiday is repeated weekly. "Where are all the workmen?" said a master to his foreman on going the rounds among his builders—this work must be pushed on and covered in while the fine weather lasts." "Why, sir," said the foreman, "this is Monday; and they have not spent all their money yet." Dean Boyd, preaching at Exeter on behalf of the Devonshire hospitals, expressed his belief that the annual loss to the workpeople engaged in the woollen manufacture, the cotton trade, the bricklaying and building trade, by Idle Monday, amounted to over seven millions sterling. If man's chief end were to manufacture cloth, silk, cotton, hardware, toys, and china; to buy in the cheapest market, and to sell in the dearest; to cultivate land, grow corn, and graze cattle; to live for mere money profit, and hoard or spend, as the case might be, we might then congratulate ourselves upon our National Prosperity. But is this the chief end of man? Has he not faculties, affections, and sympathies, besides muscular organs? Has not his mind and heart certain claims, as well as his mouth and his back? Has he not a soul as well as a stomach? And ought not "prosperity" to include the improvement and well-being of his morals and intellect as well as of his bones and muscles?
Mere money is no indication of prosperity. A man's nature may remain the same. It may even grow more stunted and deformed, while he is doubling his expenditure, or adding cent, per cent, to his hoards yearly. It is the same with the mass. The increase of their gains may merely furnish them with increased means for gratifying animal indulgences, unless their moral character keeps pace with their physical advancement. Double the gains of an uneducated, overworked man, in a time of prosperity, and what is the result? Simply that you have furnished him with the means of eating and drinking more! Thus, not even the material well-being of the population is secured by that condition of things which is defined by political economists as "National Prosperity." And so long as the moral elements of the question are ignored, this kind of "prosperity" is, we believe, calculated to produce far more mischievous results than good. It is knowledge and virtue alone that can confer dignity on a man's life; and the growth of such qualities in a nation are the only true marks of its real prosperity; not the infinite manufacture and sale of cotton prints, toys, hardware, and crockery. The Bishop of Manchester, when preaching at a harvest thanksgiving near Preston, referred to a letter which he had received from a clergyman in the south of England, who, after expressing his pleasure at the fact that the agricultural labourers were receiving higher wages, lamented "that at present the only result he could discover from their higher wages was that a great deal more beer was consumed. If this was the use we were making of this prosperity, we could hardly call it a blessing for which we had a right or ground to thank God. The true prosperity of the nation consisted not so much in the fact that the nation was growing in wealth—though wealth was a necessary attribute of prosperity—but that it was growing in virtue; and that there was a more equable distribution of comfort, contentment, and the things of this lower world."
In making the preceding observations we do not in the least advocate the formation of miserly, penurious habits; for we hate the scrub, the screw, the miser. All that we contend for is, that man should provide for the future—that they should provide during good times for the bad times which almost invariably follow them—that they should lay by a store of savings as a breakwater against want, and make sure of a little fund which may maintain them in old age, secure their self-respect, and add to their personal comfort and social well-being. Thrift is not in any way connected with avarice, usury, greed, or selfishness. It is, in fact, the very reverse of these disgusting dispositions.
It means economy for the purpose of securing independence. Thrift requires that money should be used and not abused—that it should be honestly earned and economically employed—
"Not for to put it in a hedge,