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greatness.” Not only so, but it is incompatible with economy,
decency, health, and honest living. When a youth cannot restrain,
he must abstain. Dr. Johnson’s case is the case of many. He said,
referring to his own habits, “Sir, I can abstain; but I can’t be
moderate.”
But to wrestle vigorously and successfully with any vicious habit,
we must not merely be satisfied with contending on the low ground
of worldly prudence, though that is of use, but take stand upon a
higher moral elevation. Mechanical aids, such as pledges, may be
of service to some, but the great thing is to set up a high
standard of thinking and acting, and endeavour to strengthen and
purify the principles as well as to reform the habits. For this
purpose a youth must study himself, watch his steps, and compare
his thoughts and acts with his rule. The more knowledge of himself
he gains, the more humble will he be, and perhaps the less
confident in his own strength. But the discipline will be always
found most valuable which is acquired by resisting small present
gratifications to secure a prospective greater and higher one. It
is the noblest work in self-education—for
“Real glory
Springs from the silent conquest of ourselves,
And without that the conqueror is nought
But the first slave.”
Many popular books have been written for the purpose of
communicating to the public the grand secret of making money. But
there is no secret whatever about it, as the proverbs of every
nation abundantly testify. “Take care of the pennies and the
pounds will take care of themselves.” “Diligence is the mother of
good luck.” “No pains no gains.” “No sweat no sweet.” “Work and
thou shalt have.” “The world is his who has patience and
industry.” “Better go to bed supperless than rise in debt.” Such
are specimens of the proverbial philosophy, embodying the hoarded
experience of many generations, as to the best means of thriving in
the world. They were current in people’s mouths long before books
were invented; and like other popular proverbs they were the first
codes of popular morals. Moreover they have stood the test of
time, and the experience of every day still bears witness to their
accuracy, force, and soundness. The proverbs of Solomon are full
of wisdom as to the force of industry, and the use and abuse of
money:- “He that is slothful in work is brother to him that is a
great waster.” “Go to the ant, thou sluggard; consider her ways,
and be wise.” Poverty, says the preacher, shall come upon the
idler, “as one that travelleth, and want as an armed man;” but of
the industrious and upright, “the hand of the diligent maketh
rich.” “The drunkard and the glutton shall come to poverty; and
drowsiness shall clothe a man with rags.” “Seest thou a man
diligent in his business? he shall stand before kings.” But above
all, “It is better to get wisdom than gold; for wisdom is better
than rubies, and all the things that may be desired are not to be
compared to it.”
Simple industry and thrift will go far towards making any person of
ordinary working faculty comparatively independent in his means.
Even a working man may be so, provided he will carefully husband
his resources, and watch the little outlets of useless expenditure.
A penny is a very small matter, yet the comfort of thousands of
families depends upon the proper spending and saving of pennies.
If a man allows the little pennies, the results of his hard work,
to slip out of his fingers—some to the beershop, some this way and
some that—he will find that his life is little raised above one of
mere animal drudgery. On the other hand, if he take care of the
pennies—putting some weekly into a benefit society or an insurance
fund, others into a savings’ bank, and confiding the rest to his
wife to be carefully laid out, with a view to the comfortable
maintenance and education of his family—he will soon find that
this attention to small matters will abundantly repay him, in
increasing means, growing comfort at home, and a mind comparatively
free from fears as to the future. And if a working man have high
ambition and possess richness in spirit,—a kind of wealth which
far transcends all mere worldly possessions—he may not only help
himself, but be a profitable helper of others in his path through
life. That this is no impossible thing even for a common labourer
in a workshop, may be illustrated by the remarkable career of
Thomas Wright of Manchester, who not only attempted but succeeded
in the reclamation of many criminals while working for weekly wages
in a foundry.
Accident first directed Thomas Wright’s attention to the difficulty
encountered by liberated convicts in returning to habits of honest
industry. His mind was shortly possessed by the subject; and to
remedy the evil became the purpose of his life. Though he worked
from six in the morning till six at night, still there were leisure
minutes that he could call his own—more especially his Sundays—
and these he employed in the service of convicted criminals; a
class then far more neglected than they are now. But a few minutes
a day, well employed, can effect a great deal; and it will scarcely
be credited, that in ten years this working man, by steadfastly
holding to his purpose, succeeded in rescuing not fewer than three
hundred felons from continuance in a life of villany! He came to
be regarded as the moral physician of the Manchester Old Bailey;
and where the Chaplain and all others failed, Thomas Wright often
succeeded. Children he thus restored reformed to their parents;
sons and daughters otherwise lost, to their homes; and many a
returned convict did he contrive to settle down to honest and
industrious pursuits. The task was by no means easy. It required
money, time, energy, prudence, and above all, character, and the
confidence which character invariably inspires. The most
remarkable circumstance was that Wright relieved many of these poor
outcasts out of the comparatively small wages earned by him at
foundry work. He did all this on an income which did not average,
during his working career, 100l. per annum; and yet, while he was
able to bestow substantial aid on criminals, to whom he owed no
more than the service of kindness which every human being owes to
another, he also maintained his family in comfort, and was, by
frugality and carefulness, enabled to lay by a store of savings
against his approaching old age. Every week he apportioned his
income with deliberate care; so much for the indispensable
necessaries of food and clothing, so much for the landlord, so much
for the schoolmaster, so much for the poor and needy; and the lines
of distribution were resolutely observed. By such means did this
humble workman pursue his great work, with the results we have so
briefly described. Indeed, his career affords one of the most
remarkable and striking illustrations of the force of purpose in a
man, of the might of small means carefully and sedulously applied,
and, above all, of the power which an energetic and upright
character invariably exercises upon the lives and conduct of
others.
There is no discredit, but honour, in every right walk of industry,
whether it be in tilling the ground, making tools, weaving fabrics,
or selling the products behind a counter. A youth may handle a
yard-stick, or measure a piece of ribbon; and there will be no
discredit in doing so, unless he allows his mind to have no higher
range than the stick and ribbon; to be as short as the one, and as
narrow as the other. “Let not those blush who HAVE,” said Fuller,
“but those who HAVE NOT a lawful calling.” And Bishop Hall said,
“Sweet is the destiny of all trades, whether of the brow or of the
mind.” Men who have raised themselves from a humble calling, need
not be ashamed, but rather ought to be proud of the difficulties
they have surmounted. An American President, when asked what was
his coat-of-arms, remembering that he had been a hewer of wood in
his youth, replied, “A pair of shirt sleeves.” A French doctor
once taunted Flechier, Bishop of Nismes, who had been a tallow-chandler in his youth, with the meanness of his origin, to which
Flechier replied, “If you had been born in the same condition that
I was, you would still have been but a maker of candles.”
Nothing is more common than energy in money-making, quite
independent of any higher object than its accumulation. A man who
devotes himself to this pursuit, body and soul, can scarcely fail
to become rich. Very little brains will do; spend less than you
earn; add guinea to guinea; scrape and save; and the pile of gold
will gradually rise. Osterwald, the Parisian banker, began life a
poor man. He was accustomed every evening to drink a pint of beer
for supper at a tavern which he visited, during which he collected
and pocketed all the corks that he could lay his hands on. In
eight years he had collected as many corks as sold for eight louis
d’ors. With that sum he laid the foundations of his fortune—
gained mostly by stock-jobbing; leaving at his death some three
millions of francs. John Foster has cited a striking illustration
of what this kind of determination will do in money-making. A
young man who ran through his patrimony, spending it in profligacy,
was at length reduced to utter want and despair. He rushed out of
his house intending to put an end to his life, and stopped on
arriving at an eminence overlooking what were once his estates. He
sat down, ruminated for a time, and rose with the determination
that he would recover them. He returned to the streets, saw a load
of coals which had been shot out of a cart on to the pavement
before a house, offered to carry them in, and was employed. He
thus earned a few pence, requested some meat and drink as a
gratuity, which was given him, and the pennies were laid by.
Pursuing this menial labour, he earned and saved more pennies;
accumulated sufficient to enable him to purchase some cattle, the
value of which he understood, and these he sold to advantage. He
proceeded by degrees to undertake larger transactions, until at
length he became rich. The result was, that he more than recovered
his possessions, and died an inveterate miser. When he was buried,
mere earth went to earth. With a nobler spirit, the same
determination might have enabled such a man to be a benefactor to
others as well as to himself. But the life and its end in this
case were alike sordid.
To provide for others and for our own comfort and independence in
old age, is honourable, and greatly to be commended; but to hoard
for mere wealth’s sake is the characteristic of the narrow-souled
and the miserly. It is against the growth of this habit of
inordinate saving that the wise man needs most carefully to guard
himself: else, what in youth was simple economy, may in old age
grow into avarice, and what was a duty in the one case, may become
a vice in the other. It is the LOVE of money—not money itself—
which is “the root of evil,”—a love which narrows and contracts
the soul, and closes it against generous life and action. Hence,
Sir Walter Scott makes one of his characters declare that “the
penny siller slew more souls than the naked sword slew bodies.” It
is one of the defects of business too exclusively followed, that it
insensibly tends to a mechanism of character. The business man
gets into a rut, and
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