Who spends more than he should

Shall not have to spend when he would.

Riddle:

Runs all the day and comes home with its tongue out at night.

A wagon

WHAT BOBBY AND BETTY SOLD TO THE OLD-CLOTHES MAN

“See, Mother,” said Bobby. “I have fourteen cents.”

“I have fourteen cents, Mother. See!” said Betty.

“That is a nice start,” said Mother. “Put the money in your savings banks. Then it will not get lost.”