Thrift.

1. “Penny saved, penny earned.”

2. Name some things on which children spend money needlessly.

3. Advantages of saving:—“Take care of the pennies and the dollars will take care of themselves;” savings can be turned to account; provision for a “rainy day.”

4. Aids to thrift:—Savings banks, building societies, etc.

Make Hay while the Sun Shines.

1. Meaning of proverb. Hay is grass dried in the sun; if not “made” on first opportunity, it may be spoiled by rain.

2. Proverb teaches us to miss no opportunity.

3. Reasons:—Do not know what may happen by to-morrow; chance perhaps lost forever; “The mill cannot grind with the water that is past.”

4. Story to show danger of putting off.