From a farmer occupying a good-sized farm he had descended to be a farmer's bailiff in the same locality. But a few months since he was himself a tenant, and now he is a bailiff at 15s. a week and a cottage. There is nothing dramatic, nothing sensational, in the history of his descent; but it is, perhaps, all the more full of bitter human experiences. As a man going down a steep hill, after a long while finds himself on the edge of a precipitous chalk pit, and topples in one fall to the bottom, so, though the process of going downhill occupied so long, the actual finish came almost suddenly. Thus it was that from being a master he found himself a servant. He does not complain, nor appeal for pity. His back is a little more bowed, he feels the cold a little more, his step is yet more spiritless. But all he says about it is that 'Hard work never made any money yet.'
He has worked exceedingly hard all his lifetime. In his youth, though the family were then well-to-do, he was not permitted to lounge about in idleness, but had to work with the rest in the fields. He dragged his heavy nailed shoes over the furrows with the plough; he reaped and loaded in harvest time; in winter he trimmed the hedgerows, split logs, and looked after the cattle. He enjoyed no luxurious education—luxurious in the sense of scientifically arranged dormitories, ample meals, and vacations to be spent on horseback, or with the breechloader. Trudging to and fro the neighbouring country town, in wind, and wet, and snow, to school, his letters were thrashed into him. In holiday time he went to work—his holidays, in fact, were so arranged as to fall at the time when the lad could be of most use in the field. If an occasion arose when a lad was wanted, his lessons had to wait while he lent a hand. He had his play, of course, as boys in all ages have had; but it was play of a rude character with the plough lads, and the almost equally rough sons of farmers, who worked like ploughmen.
In those days the strong made no pretence to protect the weak, or to abnegate their natural power. The biggest lad used his thews and sinews to knock over the lesser without mercy, till the lesser by degrees grew strong enough to retaliate. To be thrashed, beaten, and kicked was so universal an experience that no one ever imagined it was not correct, or thought of complaining. They accepted it as a matter of course. As he grew older his work simply grew harder, and in no respect differed from that of the labourers, except that he directed what should be done next, but none the less assisted to do it.
Thus the days went on, the weeks, and months, and years. He was close upon forty years old before he had his own will for a single day. Up to almost that age he worked on his father's farm as a labourer among the labourers, as much under parental authority as when he was a boy of ten. When the old man died it was not surprising that the son, so long held down in bondage—bondage from which he had not the spirit to escape—gave way for a short period to riotous living. There was hard drinking, horse-racing, and card-playing, and waste of substance generally.
But it was not for long, for several reasons. In the first place, the lad of forty years, suddenly broken forth as it were from school, had gone past the age when youth plunges beyond recall. He was a grown man, neither wise nor clever; but with a man's sedateness of spirit and a man's hopes. There was no innate evil in his nature to lead him into unrighteous courses. Perhaps his fault rather lay in his inoffensive disposition—he submitted too easily. Then, in the second place, there was not much money, and what there was had to meet many calls.
The son found that the father, though reputed a substantial man, and a man among farmers of high esteem and good family, had been anything but rich. First there were secret debts that had run on for fully thirty years—sums of from fifty to one hundred pounds—borrowed in the days of his youth, when he, too, had at last been released in a similar manner from similar bondage, to meet the riotous living in which he also had indulged. In those earlier days there had been more substance in cattle and corn, and he had had no difficulty in borrowing ready money from adjoining farmers, who afterwards helped him to drink it away. These boon companions had now grown old. They had never pressed their ancient comrade for the principal, the interest being paid regularly. But now their ancient comrade was dead they wanted their money, especially when they saw the son indulging himself, and did not know how far he might go. Their money was paid, and reduced the balance in hand materially.
Now came a still more serious matter. The old man, years ago, when corn farming paid so handsomely, had been induced by the prospect of profit to take a second and yet larger farm, nearly all arable. To do this he was obliged, in farming phrase, to 'take up'—i.e. to borrow—a thousand pounds, which was advanced to him by the bank. Being a man of substance, well reputed, and at that date with many friends, the thousand pounds was forthcoming readily, and on favourable terms. The enterprise, however, did not prosper; times changed, and wheat was not so profitable. In the end he had the wisdom to accept his losses and relinquish the second farm before it ate him up. Had he only carried his wisdom a little farther and repaid the whole of the bank's advance, all might yet have been well. But he only repaid five hundred pounds, leaving five hundred pounds still owing. The bank having regularly received the interest, and believing the old gentleman upright—as he was—was not at all anxious to have the money back, as it was earning fair interest. So the five hundred remained on loan, and, as it seemed, for no very definite purpose.
Whether the old gentleman liked to feel that he had so much money at command (a weakness of human nature common enough), or whether he thought he could increase the produce of his farm by putting it in the soil, it is not possible to say. He certainly put the five hundred out of sight somewhere, for when his son succeeded him it was nowhere to be found. After repaying the small loans to his father's old friends, upon looking round the son saw cattle, corn, hay, and furniture, but no five hundred pounds in ready money. The ready money had been muddled away—simply muddled away, for the old man had worked hard, and was not at all extravagant.
The bank asked for the five hundred, but not in a pressing manner, for the belief still existed that there was money in the family. That belief was still further fostered because the old friends whose loans had been repaid talked about that repayment, and so gave a colour to the idea. The heir, in his slow way, thought the matter over and decided to continue the loan. He could only repay it by instalments—a mode which, to a farmer brought up in the old style, is almost impossible, for though he might meet one he would be sure to put off the next—or by selling stock (equivalent to giving up his place), or by borrowing afresh. So he asked and obtained a continuation of the loan of the five hundred, and was accommodated, on condition that some one 'backed' him. Some one in the family did back him, and the fatal mistake was committed of perpetuating this burden. A loan never remains at the same sum; it increases if it is not reduced. In itself the five hundred was not at all a heavy amount for the farm to carry, but it was the nucleus around which additional burdens piled themselves up. By a species of gravitation such a burden attracts others, till the last straw breaks the camel's back. This, however, was not all.
The heir discovered another secret which likewise contributed to sober him. It appeared that the farm, or rather the stock and so on, was really not all his father's. His father's brother had a share in it—a share of which even the most inquisitive gossips of the place were ignorant. The brother being the eldest (himself in business as a farmer at some distance) had the most money, and had advanced a certain sum to the younger to enable him to start his farm, more than a generation since. From that day to this not one shilling of the principal had been repaid, and the interest only partially and at long intervals. If the interest were all claimed it would now amount to nearly as much as the principal. The brother—or, rather, the uncle—did not make himself at all unpleasant in the matter. He only asked for about half the interest due to him, and at the same time gave the heir a severe caution not to continue the aforesaid riotous living. The heir, now quite brought down to earth after his momentary exaltation, saw the absolute necessity of acquiescence. With a little management he paid the interest—leaving himself with barely enough to work the farm. The uncle, on his part, did not act unkindly; it was he who 'backed' the heir up at the bank in the matter of the continuation of the loan of the five hundred pounds. This five hundred pounds the heir had never seen and never would see: so far as he was concerned it did not exist; it was a mere figure, but a figure for which he must pay. In all these circumstances there was nothing at all exceptional.