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operly transferred to us, in lieu of our cheque. Various documents are signed and registered, and we stand the proud possessors of so much soil and timber; while the Maoris make tracks straight to the hotel and store, with much rejoicing. Not that we paid in full at the time. Such a simple arrangement would not have suited our pockets, any more than it would have suited the Maori idea of a bargain. A part of the land was paid for and bought outright, the rest was to be paid off in certain terms of years, or sooner, if we liked. Meanwhile, we were to pay interest on the sums remaining due, which was actually a sort of rent for the balance of the estate. As a concession on their side, the Maoris gave us the right of running cattle free over the unpaid-for acres. And as there were no fences, of course, this really meant that we might run our cattle over the whole country side, which was practically what we paid the interest or rent for. Then we entered into possession, and built the shanty. But observe what we had to do in the forthcoming years. We had to get a living, first. We had to pay the annual sum agreed on as a sort of rent, second. We had to provide for the purchase of implements, sundry accessories, and stock, third. Lastly, we had to lay by to meet the future large payments for the land, which would make us proprietors of the whole of it, and, of course, annul the annual rent. Perhaps it will be better understood now why we live in a shanty, and why the furniture of it is so unique in quality and restricted in quantity. How we have got on so well is a marvel, and shows what hard work will do in this country. A thousand pounds would have bought our station outright. But we had not a thousand pounds among us, or anything like it; and we had to reserve money to live on for the first year, to buy our axes and spades and milk-pans, and to buy the nucleus of our future herds and flocks and droves. We have done all we had to do, and now we are beginning to see that our joint work during all these years will eventually produce for us homes and comfort. It is a hard and difficult thing to make money without capital to start with. It is as hard a thing to do in the colonies as it is at home, though people at home are apt to think differently. And it is always the early years of toil that are the worst. Money is like an apple-tree. At first it grows but slowly, and there is no fruit. Then there come little scanty cr
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