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