Earnings of operatives—Colliers and iron-workers—Earnings of colliers—The revellers—Lord Elcho and the colliers—High wages and heavy losses—High wages and drink—Sensual indulgence—Indifference to well-being—Hugh Miller's experience—Mr. Roebuck's advice—Survival of slavery—Extinction of slavery—Power unexercised—Earnings and character—Ignorance is power—Results of ignorance—Increase of knowledge—Education not enough—Words of Sir Arthur Helps—Divine uses of knowledge—Public school education—Words of William Felkin. Pages 41—64
CHAPTER V.
EXAMPLES OF THRIFT.
Spirit of order—Examples of economy—David Hume—Rev. Robert Walker—Self-application—Distinguished miners—Geo. Stephenson—James Watt—Working for independence—Working for higher things—Work and culture—Richardson and Gregory—Results of application—Distinguished artists—Canova and Lough—John Lough—Lough's success—Words of Lord Derby—James Nasmyth—Bridgewater foundry—Advice to young men. Pages 65—88
CHAPTER VI.
METHODS OF ECONOMY.
Keeping regular account—Generosity and forethought—Prudent economy—A dignity in saving—Self-improvement—Causes of failure—The price of success—Power of combining—Principle of association—Savings of capital—Loss by strikes—Money thrown away—Industrial societies—Co-operative companies—Equitable pioneers—Darwen co-operatives—Spread of co-operation—Thrift conservative—Uses of investments in building societies. Pages 89—109
CHAPTER VII.
ECONOMY IN LIFE ASSURANCE.
Co-operation in assurance—Improvidence cruel—Compensation of assurance—Benefit societies—French and Belgian thrift—Workmen's societies—Manchester Unity—Duty and Dinners—Low rates of contribution—Failure of friendly societies—Improvement by experience—Defects will disappear. Pages 110—122