It was a cold March morning, and Eva looked very chilly, and perhaps it was that which made the kindly Scotchwoman suggest the toast and draw up a chair for her before the bright kitchen fire, for as a matter of fact she generally made it on the toaster.

Eva was only too glad to sit close to the fire and watch the good woman moving so quietly about and yet getting everything so quickly. 'Let me have it here, may I?' she cried impulsively, for the old woman's presence and her motherly attentions soothed the girl.

'If you wish. I doubt if the sitting-room is very warm yet, so I'll put your tray on this table near the fire, and you'll get well-warmed before you go out, and that's the secret of not taking chills,' remarked the old woman as she put a plate of crisp bacon on the tray and a hot roll beside it.

'You are a lovely cook, Mrs. Morrison,' said Eva. 'When I'm rich I'd like you to live with me.'

'If you want to be rich when you are old you must save when you are young. I'm thinking of buying you all money-boxes and putting into them all the money I save for you every week,' she observed, for she was given the housekeeping money every week, on Saturday, and after putting aside for the rent, the rest was left with her to do as she thought best; and on the next Saturday she accounted for it to Stella and Amy, who, she insisted, must go into the accounts and see how it all went, and to their astonishment and delight there was always a small balance, which they left with the housekeeper for emergencies.

'I don't know how you manage to save anything. I couldn't. In fact, I can't live on what I earn. If I don't get a rise I don't know what I am to do,' said Eva.

'But you have more than my young lady, so you told me; if she can live on it, why can't you?' objected the housekeeper.

'Because I am extravagant, I suppose; but I can't, and there's the end of it,' said Eva.

'Nay, my bairn, that's not the end of it; the end of it is a very bad one—debt and dishonesty, for they are the same thing to me—if one does not try to put a better end to it; and, I'm sure, you would not keep in debt, would you? But there, it's no time for such conversation at this hour, when you ought to be eating a good breakfast before going out to earn an honest livelihood. Have a piece more bacon, Miss Eva; it's hot and will keep you going till dinner-time—you've a long morning before you, remember,' urged the housekeeper.

Then she made up a little parcel with Eva's lunch, for she declared it was extravagant to pay sixpence a day for dinner when she could always give them pies or sandwiches to eat at midday, and cook them a nice hot dinner in the evening.