A MISER'S GOLD.

I.

"Never mind, mother! Don't fret. We'll get on all right. This little house is much more comfortable than the miserable flat we have been living in. The air is good, and the health of the children will be better. It is quite like having a home of our own again. Now that Crosswell & Wright have raised my wages, we shall be able to make both ends meet this winter,—you'll see!"

"Yes, dear, I'm sure we shall," Mrs. Farrell forced herself to respond, though her tone did not express the absolute conviction which the words implied. But Bernard was in great spirits, and for his sake she assumed a cheerfulness which she was far from feeling, as she bade him good-bye, and from the window watched him hasten away to his work.

"God bless his brave heart!" she murmured. "He is a good boy and deserves to succeed. It worries me that he has such a burden upon his young shoulders; but Father Hamill says this will only keep him steady, and will do him no harm if he does not overtax his strength. What a shabby, contracted house this is! Well, I must try to make it as bright and pleasant as possible. I wish the girls were older and able to earn a trifle; every penny helps nowadays. Mary, indeed, might find a place to run errands for a dressmaker, or something of the kind; but I can not bear to think of her going around alone down town, becoming pert and forward. Besides, she is so bright and smart that it seems a pity to interfere with her studies. She will need all the advantages she can get, poor child!"

With a sigh the mother returned to her duties, prepared breakfast for the other children and in the course of an hour hurried them off to school. There were three: Mary, just twelve years old; Lizzie, ten; and Jack, who had attained the precocious and mischief-loving age of seven. Bernard was eighteen, and the head of the family,—a fact which Mrs. Farrell strove to impress upon the minds of the younger members, as entitling him to special respect and affection. He was also the principal bread-winner, and had ten dollars a week, which was considered a fine beginning for one so young. Still, it was not a great deal for them all to rely on, and his mother endeavored to eke out their scanty livelihood by taking sewing, and in various other ways.

Life had not always been such a struggle for the Farrells. Before the death of the husband and father they had been in good circumstances. Mr. Farrell held for years a responsible position as book-keeper and accountant in one of the largest mercantile establishments of the city. He had a fair salary, which enabled him to support his family comfortably. But, alas! how much often depends upon the life and efforts of one person! An attack of pneumonia, the result of a neglected cold, carried him out of the world in three days. There had been only time to attend to his religious duties, and no opportunity to provide for the dear ones he was about to leave, even if any provision had been possible. When the income derived from the father's daily labor ceased, they found themselves suddenly plunged into comparative poverty. His life-insurance policy had not been kept up; the mortgage on the pretty home had never been paid off, and was now foreclosed. The best of the furniture was sold to pay current expenses, and the widow removed with her children to the third floor of a cheap apartment house,—one of those showy, aggressively genteel structures so often seen in our Eastern cities, with walls of questionable safety and defective drainage and ventilation.

Mrs. Farrell was now obliged to dismiss her maid-of-all-work, and attend to the household duties herself. This was a hardship, for she was not a strong woman; but she did not complain. Bernard, fortunately, had taken two years of the commercial course at St. Stanislaus' College, and was therefore in a measure fitted for practical affairs. He obtained a place as clerk in the law office of Crosswell & Wright. As he tried to keep his mind on his duties, and was willing and industrious, his employers were well pleased with him, and he had been several times advanced. But the means of the family grew more and more straitened. The following year the rent of the flat was found to be higher than they could afford. They sought other quarters, and settled at last, just as winter was approaching, in the little house where we have discovered them, in a humble neighborhood and unpaved streets, with no pretensions whatever,—in fact, it did not appear to have even the ambition to be regarded as a street at all.

The young people took possession of the new dwelling in high glee. They did not see the drawbacks to comfort which their mother could have pointed out; did not notice how much the house needed painting and papering, how decidedly out of repair it was. Only too glad of their satisfaction, she refrained from comment, tried to make the best of everything, and succeeded in having a cosey home for them, despite all difficulties. For there was not a room of the small house into which at least a ray of sunlight did not find its way sometime during the day. It shone upon threadbare carpets and painted floors; upon sofas the upholstering of which had an unmistakable air of having been experimented with; and chairs which Mrs. Farrell had recaned, having learned the art from a blind boy who lived opposite. Yet the sunlight revealed as well an air of thrift and cheeriness; for the widow, despite her days of discouragement, aimed to train her children to look upon the bright side of life, and to trust in Providence.

"Bernard," said she one evening, "I have been thinking that if I could hire a sewing-machine I might get piecework from the shops, and earn more than by looking to chance patronage. I have a mind to inquire about one."

The boy was silent. She began to doubt if he had heard, and was about to repeat the remark when he answered:

"No, mother, don't. There are too many women doing that kind of sewing at starvation prices. But I'll tell you what would be a fine thing if you really had the time for it, though I do not see how you could,—it seems to me we keep you busy."

"What is your idea?" inquired Mrs. Farrell eagerly, paying no heed to the latter part of his speech.

"Well, if we could manage to pay the rent of a type-writing machine, I could probably get you copying from the firm as well as from some of the other lawyers in the building. I was wondering the other day if I could do anything at it myself, and thus pick up an additional dollar or two in the week. Of course, you would accomplish more than I could, and it would be a hundred times better than stitch! stitch! How I hate the whir of the thing!" And Bernard, with his juggler gift of mimicry, proceeded forthwith to turn himself into a sewing-machine, jerking his feet up and down in imitation of the motion of the treadle, and making an odd noise in his throat.

Mrs. Farrell laughed, as she replied: "I do not know that there is much choice between this and the click of the type-writer. But, anyhow, your plan, though it sounds plausible, would not do, because I should not be able to work the type-writer."

"There would be no difficulty about that," argued Bernard. "You know how to play the piano, and the fingering is very much easier. It will come naturally."

His mother laughed again, yet she sighed as well. Her father had given her a piano as a wedding present, but this had been the first article of value to be dispensed with when the hard times came. Bernard was so sanguine, however, that she consented to his project. He spoke to Mr. Crosswell on the subject; that gentleman became interested, succeeded in obtaining a type-writer for Mrs. Farrell on easy terms, and promised to send her any extra copying he might have. The manipulation of the machine did not, indeed, come quite as naturally as Bernard predicted, but after a few weeks of patient practice she mastered it sufficiently to produce a neat-looking page. Bernard brought her all the work she could do; it was well paid for, and a more prosperous season seemed to have dawned upon the little home.

Just at this time the children took scarlet fever at school. They had the disease lightly, but what anxiety the mother endured! Thank God, they got through it safely; but there was the doctor's bill to be settled, and funds were at a low ebb once more. To cap the climax, when the house had been thoroughly fumigated by the board of health, and Mrs. Farrell was prepared to take up her occupation again, an attack of rheumatism crippled her fingers and rendered them almost powerless. Then it was that, worn out and disheartened, she broke down and cried:

"Oh! why does not God help us?"

Her son's usually happy face wore an expression of discouragement also as she turned to him with the appeal. His lips twitched nervously; but in a moment the trustfulness which she had taught him was at hand to comfort her.

"Indeed, mother, He will—He does," said Bernard tenderly, though in the matter-of-fact manner which he knew would best arouse her. "You are all tired out, or you would not speak in that way. You must have a good rest. Keep the rooms warm, so that you will not take any more cold, and before long you will be able to rattle the type-writer at a greater speed than ever. That reminds me, mother," he continued—seeing that she was beginning to recover herself, and wishing to divert her thoughts,—"one of the things we have to be thankful for is that this house is easily heated. It beats all the way coal does last here! The ton we got two months ago isn't gone yet,"

"That is the way coal lasts when there is not any one to steal it, as there was in the flat, where the cellars were not properly divided off," answered Mrs. Farrell, brightening up.

"No, there's nobody living immediately around here whom I'd suspect of being mean enough to steal coal," returned Bernard, carelessly,—"except, perhaps, Stingy Willis, I don't think I'd wager that old codger wouldn't, though."

"I am afraid I should not have entire confidence in him, either," agreed
Mrs. Farrell.

But the intelligence that there was still coal in the bin had cheered her wonderfully. Repenting of her rash conclusion, she hastened to qualify it by adding, "That is, if half of what the neighbors say is true. But, then, we have no right to listen to gossip, or to judge people."

Stingy Willis, the individual who apparently bore an unenviable reputation, was a small, dried-up looking old man, who lived next door to the Farrells,—in fact, under the same roof; for the structure consisted of two houses built together. Here he dwelt alone, and attended to his household arrangements himself, except when, occasionally, a woman was employed for a few hours to put the place in order. He was accustomed to prepare his own breakfast and supper; his dinner he took at a cheap restaurant. He dressed shabbily, and was engaged in some mysterious business down town, to and from which he invariably walked; not even a heavy rain-storm could make him spend five cents for a ride in a horse-car. And yet he was said to be very wealthy. Persons declared they knew "upon good authority" that he held the mortgage which covered the two connecting houses; that, as the expression is, he "had more money than he knew what to do with." Others, who did not profess to be so scrupulously exact in their determination to tell only a plain, unvarnished tale, delighted in fabulous stories concerning his riches. They said that though the floor of his sitting-room was carpetless, and the bay-window curtainless but for the cobwebs, he could cover the one with gold pieces and the other with bank-notes, if he pleased. Many were convinced he had a bag of treasure hidden up the chimney or buried in the cellar; this they asserted was the reason he would not consent to having the upper rooms of the house rented, and so they remained untenanted season after season. Thus, according to the general verdict (and assuredly the circumstantial evidence was strong), he was a miser of the most pronounced type,—"as stingy as could be," everybody agreed; and is not what everybody says usually accepted as the truth?

Certain it is that Stingy Willis acted upon the principle, "a penny saved is a penny gained,"—denied himself every luxury, and lived with extreme frugality, as the man who kept the meat-market and grocery at the corner frequently testified. Even in the coldest weather, a fire was never kindled in the house till evening; for over its dying embers the solitary man made his coffee the following morning. A basket of coal lasted him a week, and he sifted the cinders as carefully as if he did not know where to find a silver quarter to buy more fuel. He had nothing to do with his neighbors, who really knew very little about him beyond what they could see of his daily life. They were almost all working people, blessed with steady employment; though they had not more than enough of this world's goods, there was no actual poverty among them. They were respectable, honest, and industrious; as Bernard said, not one of the dwellers in the street would ever be suspected of being "mean enough to steal coal," unless indeed Stingy Willis.