Part 78 (1/2)

The time will come when e Think of a norant workman to have an equal vote with hiht to his educated wife and daughters!

CHAPTER LXI

THRIFT

”Mony a mickle makes a muckle”--SCOTCH PROVERB

”A penny saved is a penny earned”--ENGLISH SAYING

”Beware of little extravagances; a sain is more certain than that which proceeds from the economical use of e have”--LATIN PROVERB

”Make all you can, save all you can, give all you can”--JOHN WESLEY

”All fortunes have their foundation laid in economy”--J G HOLLAND

In the philosophy of thrift, the unit measure of prosperity is always the smallest of coins current Thrift is measured not by the pound but by the penny, not by the dollar but by the cent Thus any person in receipt of an income or salary however small finds it in his power to practise thrift and to lay the foundation of prosperity

The word thrift in its origin s that we have It iance It involves self-denial and frugal living for the tirows out of thrift perence of natural desires

One of the primary elements of thrift is to spend less than you earn, to save so however sular intervals when possible some part of the money earned or made, in provision for the future

”Every boy should realize, in starting out, that he can never accu,” said Russell Sage ”Even if he can save only a few cents at the beginning, it is better than saving nothing at all; and he will find, as the o on, that it becos It is surprising how fast an account in a savings bank can be row, and the boy who starts one and keeps it up stands a good chance of enjoying a prosperous old age So expenses are always bewailing the fact that they have never become rich They pick out some man who is known to have'lucky' There is practically no such thing as luck in business, and the boy who depends upon it to carry hih at all The men who have ht when they were boys They studied while at school, and when they went to work, they didn't expect to be paid wages for loafing half the time They weren't always on the lookout for an 'easy snap' and they forged ahead, not waiting always for the opportunities that never caer what they used to be”

”A young man may have many friends,” says Sir Thomas Lipton, ”but he will find none so steadfast, so constant, so ready to respond to his wants, so capable of pushi+ng him ahead, as a little leather-covered book, with the nareat principle of success It creates independence, it gives a young or, it stis to him the best part of any success,--happiness and contentin at twenty years of age to lay by twenty-six cents every working day, investing at seven per cent coe have amassed thirty-two thousand dollars

”Economy is wealth” This proverb has been repeated to most of us until we are either tired of it or careless of it, but it is well to re beconificance

Many a man has proved that if economy is not actual wealth, it is, in many cases, potentially so

Professor Marshall, the noted English economist, estimates that 500,000,000 is spent annually by the British working classes for things that do nothing toof the British association, the president, in an address to the economic section, expressed his belief that the simple item of food-waste alone would justify the above-mentioned estimate One potent cause of waste to-day is that very many of the women do not kno to buy econoood housekeepers

Edward Atkinson esti alone is over a hundred million dollars a year!

”Provided he has soood sense to start with, is thrifty, honest, and economical,” said Philip D Ar man should not accumulate money and attain so-called success in life” When asked to what qualities he attributed his own success, Mr

Armour said: ”I think that thrift and econo and to a good line of Scotch ancestors, who have always been thrifty and econo ,” said the late Marshall Field, ”however s up to this principle that Mr Field became the richest and most successful merchant in the world When asked by an interviehom I sent to hi point in his career, he answered, ”Saving the first five thousand dollars I ever had, when I ht just as well have spent the ave me the ability topoint”

The first savings prove the turning point inman's career