interest, and have their daily labour sweetened by it."
The earnings and savings of industry should be intelligent for a purpose
beyond mere earnings and savings. We do not work and strive for
ourselves alone, but for the benefit of those who dependent upon us.
Industry must know how to earn, how to spend, and how to save. The man
who knows, like St. Paul, how to spare and how to abound, has a great
knowledge.

Every man is bound to do what he can to elevate his social state, and to
secure his independence. For this purpose he must spare from his means
in order to be independent in his condition. Industry enables men to
earn their living; it should also enable them to learn to live.
Independence can only be established by the exercise of forethought,
prudence, frugality, and self-denial. To be just as well as generous,
men must deny themselves. The essence of generosity is self-sacrifice.

The object of this book is to induce men to employ their means for
worthy purposes, and not to waste them upon selfish indulgences. Many
enemies have to be encountered in accomplishing this object. There are
idleness, thoughtlessness, vanity, vice, intemperance. The last is the
worst enemy of all. Numerous cases are cited in the course of the
following book, which show that one of the best methods of abating the
Curse of Drink, is to induce old and young to practise the virtue of
Thrift.

Much of this book was written, and some of it published, years ago; but
an attack of paralysis, which compelled the author to give up writing
for some time, has delayed its appearance until now. For much of the
information recently received, he is indebted to Edward Crossley, Esq.,
Mayor of Halifax; Edward Akroyd, Esq., Halifax; George Chetwynd, Esq.,
General Post Office; S.A. Nichols, Esq., Over Darwen; Jeremiah Head,
Esq., Middlesborough; Charles W. Sikes, Esq., Huddersfield: and numerous
other correspondents in Durham, Renfrewshire, Yorkshire, Lancashire,
Staffordshire, and South Wales.

The author trusts that the book will prove useful and helpful towards
the purpose for which it is intended.

London, _November,_ 1875.

CONTENTS.

CHAPTER I.

INDUSTRY.

Private economy--Useful labours--Our birthright--Results of
labour--Necessity for labour--Industry and intellect--Thrift and
civilization--Thrifty industry--Thrifty economy. Pages 1--10

CHAPTER II.

HABITS OF THRIFT.

Workmen and capital--Habits of economy--Self-indul