Poor Betty's gratitude blinded her so completely, that she had forgot to calculate the vast proportion which this generous benefactress was to receive out of her little gains. She thought herself a happy creature, and went in to supper with a number of others of her own class. For this supper, and for more porter and gin than she ought to have drunk, Betty was forced to pay so high that it ate up all the profits of the day, which, added to the daily interest, made Mrs. Sponge a rich return for her five shillings.

Betty was reminded again of the gentility of her new situation, as she crept up to bed in one of Mrs. Sponge's garrets, five stories high. This loft, to be sure, was small and had no window, but what it wanted in light was made up in company, as it had three beds and thrice as many lodgers. Those gentry had one night, in a drunken frolic, broken down the door, which happily had never been replaced; for since that time, the lodgers had died much seldomer of infectious distempers, than when they were close shut in. For this lodging Betty paid twice as much to her good friend as she would have done to a stranger. Thus she continued with great industry and a thriving trade, as poor as on the first day, and not a bit nearer to saving money enough to buy her even a pair of shoes, though her feet were nearly on the ground.

One day, as Betty was driving her barrow through a street near Holborn, a lady from a window called out to her that she wanted some oranges. While the servant went to fetch a plate, the lady entered into some talk with Betty, having been struck with her honest countenance and civil manner. She questioned her as to her way of life, and the profits of her trade; and Betty, who had never been so kindly treated before by so genteel a person, was very communicative. She told her little history as far as she knew it, and dwelt much on the generosity of Mrs. Sponge, in keeping her in her house, and trusting her with so large a capital as five shillings. At first it sounded like a very good-natured thing; but the lady, whose husband was one of the justices of the new police, happened to know more of Mrs. Sponge than was good, which led her to inquire still further. Betty owned, that to be sure it was not all clear profit, for that besides that the high price of the supper and bed ran away with all she got, she paid sixpence a-day for the use of the five shillings. "And how long have you done this?" said the lady. "About a year, madam."

The lady's eyes were at once opened. "My poor girl," said she, "do you know that you have already paid for that single five shillings the enormous sum of £7 10s.? I believe it is the most profitable five shillings Mrs. Sponge ever laid out." "O no, madam," said the girl, "that good gentlewoman does the same kindness to ten or twelve other poor friendless creatures like me." "Does she so?" said the lady; "then I never heard of a more lucrative trade than this woman carries on, under the mask of charity, at the expense of her poor deluded fellow-creatures."

"But, madam," said Betty, who did not comprehend this lady's arithmetic, "what can I do? I now contrive to pick up a morsel of bread without begging or stealing. Mrs. Sponge has been very good to me; and I don't see how I can help myself."

"I will tell you," said the lady; "if you will follow my advice, you may not only maintain yourself honestly but independently. Only oblige yourself to live hard for a little time, till you have saved five shillings out of your own earnings. Give up that expensive supper at night, drink only one pint of porter, and no gin at all. As soon as you have scraped together the five shillings, carry it back to your false friend; and if you are industrious, you will, at the end of the year, have saved £7 10s. If you can make a shift to live now, when you have this heavy interest to pay, judge how things will mend when your capital becomes your own. You will put some clothes on your back; and, by leaving the use of spirits, and the company in which you drink them, your health, your morals, and your condition will mend."

The lady did not talk thus to save her money. She would willingly have given the girl the five shillings; but she thought it was beginning at the wrong end. She wanted to try her. Beside, she knew there was more pleasure, as well as honor, in possessing five shillings of one's own saving, than of another's giving. Betty promised to obey. She owned she had got no good by the company or the liquor at Mrs. Sponge's. She promised that very night to begin saving the expense of the supper; and that she would not taste a drop of gin till she had the five shillings beforehand. The lady, who knew the power of good habits, was contented with this, thinking, that if the girl could abstain for a certain time, it would become easy to her. She therefore, at present, said little about the sin of drinking, and only insisted on the expense of it.

In a very few weeks Betty had saved up the five shillings. She went to carry back this money with great gratitude to Mrs. Sponge. This kind friend began to abuse her most unmercifully. She called her many hard names, not fit to repeat, for having forsaken the supper, by which she swore she herself got nothing at all; but as she had the charity to dress it for such beggarly wretches, she insisted they should pay for it, whether they eat it or not. She also brought in a heavy score for lodging, though Betty had paid for it every night, and had given notice of her intending to quit her. By all these false pretenses, she got from her, not only her own five shillings, but all the little capital with which Betty was going to set up for herself. All was not sufficient to answer her demands—she declared she would send her to prison; but while she went to call a constable, Betty contrived to make off.

With a light pocket and a heavy heart she went back to the lady; and with many tears told her sad story. The lady's husband, the justice, condescended to listen to Betty's tale. He said Mrs. Sponge had long been upon his books as a receiver of stolen goods. Betty's evidence strengthened his bad opinion of her. "This petty system of usury," said the magistrate, "may be thought trifling; but it will no longer appear so, when you reflect that if one of these female sharpers possesses a capital of seventy shillings, or £3 10s., with fourteen steady regular customers, she can realize a fixed income of one hundred guineas a year. Add to this the influence such a loan gives her over these friendless creatures, by compelling them to eat at her house, or lodge, or buy liquors, or by taking their pawns, and you will see the extent of the evil. I pity these poor victims: you, Betty, shall point out some of them to me. I will endeavor to open their eyes on their own bad management. It is not by giving to the importunate shillings and half-crowns, and turning them adrift to wait for the next accidental relief, that much good is done. It saves trouble, indeed, but that trouble being the most valuable part of charity, ought not to be spared; at least by those who have leisure as well as affluence. It is one of the greatest acts of kindness to the poor to mend their economy, and to give them right views of laying out their little money to advantage. These poor blinded creatures look no further than to be able to pay this heavy interest every night, and to obtain the same loan on the same hard terms the next day. Thus they are kept in poverty and bondage all their lives; but I hope as many as hear of this will go on a better plan, and I shall be ready to help any who are willing to help themselves." This worthy magistrate went directly to Mrs. Sponge's with proper officers; and he soon got to the bottom of many iniquities. He not only made her refund poor Betty's money, but committed her to prison for receiving stolen goods, and various other offenses, which may, perhaps, make the subject of another history.

Betty was now set up in trade to her heart's content. She had found the benefit of leaving off spirits, and she resolved to drink them no more. The first fruits of this resolution was, that in a fortnight she bought her a pair of new shoes; and as there was now no deduction for interest, or for gin, her earnings became considerable. The lady made her a present of a gown and a hat, on the easy condition that she should go to church. She accepted the terms, at first rather as an act of obedience to the lady than from a sense of higher duty. But she soon began to go from a better motive. This constant attendance at church, joined to the instructions of the lady, opened a new world to Betty. She now heard, for the first time, that she was a sinner; that God had given a law which was holy, just, and good; that she had broken this law, had been a swearer, a Sabbath-breaker, and had lived without God in the world. All this was sad news to Betty; she knew, indeed, before, that there were sinners, but she thought they were only to be found in the prisons, or at Botany Bay, or in those mournful carts which she had sometimes followed with her barrow, with the unthinking crowd, to Tyburn. She was deeply struck with the great truths revealed in the Scripture, which were quite new to her; her heart smote her, and she became anxious to flee from the wrath to come. She was desirous of improvement, and said, "she would give up all the profits of her barrow, and go into the hardest service, rather than live in sin and ignorance."