t ever so small. The quart flagon will as surely waste its
precious contents through a fracture that loses only a drop at a
time, as the butt from which a constant stream is pouring. The fact
is, as things are in our day, whether flagon or butt, leakage is the
rule not the exception."

"I should like to know where the leak in my flagon is to be found,"
said Hoffman. "I think it would puzzle a finance committee to
discover it."

"Shall I unravel for you the mystery?"

"You unravel it! What do you know of my affairs?"

"I have eyes."

"Do I waste my money?"

"Yes, if you have not saved as much as I have during the last six
months; and yes, if my eyes have given a true report."

"What have your eyes reported?"

"A system of waste, in trifles, that does not add anything
substantial to your happiness and certainly lays the foundation for
a vast amount of disquietude, and almost certain embarrassment in
money affairs, and consequent humiliations."

Hoffman shook his head gravely answering, "I can't see it."

"Would you like to see it?"

"O, certainly, if it exists."

"Well, suppose we go down into the matter of expenditures, item by
item, and make some use of the common rules of arithmetic as we go
along. Your salary, to start with, is six hundred dollars, and you
play the same as I do for boarding and washing, that is, four and a
half dollars per week, which gives the sum of two hundred and
thirty-four dollars a year. What do your clothes cost?"

"A hundred and fifty dollars will cover everything!"

"Then you have two hundred and sixteen dollars left. What becomes of
that large sum?"

Hoffman dropped his eyes and went to thinking. Yes, what had become
of these two hundred and sixteen dollars? Here was the whole thing
in a nutshell.

"Cigars," said Hamilton. "How many do you use in a day?"

"Not over three. But these are a part of considered expenses. I am
not going to do without cigars."

"I am only getting down to the items," answered the friend. "We must
find out where the money goes. Three cigars a day, and, on an
average, one to a friend, which makes four."

"Very well, say four."

"At six cents apiece."

Hamilton took a slip of paper and made a few figures.

"Four cigars a day at six cents each, cost twenty-four cents. Three
hundred and sixty-five by twenty-four gives eighty-seven dollars and
sixty cents, as the cost of your cigars for a year."

"O, no! That is impossible," returned Hoffm