CHAPTER VIII.
SAVINGS BANKS.
Direct saving—Uses of saved money—Beginnings of savings banks—Dr. Duncan of Ruthwell—Establishment of savings banks—Classes of Depositors—Magic of drill—Military savings banks—Savings of soldiers—Soldiers abroad—Deposits in savings banks—Savings at Bilston—Savings of working men—Penny banks—Charles W. Sikes—Mechanics' institute banks—The poor man's purse—Depositors in penny banks—They cultivate prudent habits—Influence of women—Early lessons in thrift—Belgian Schools—Facilities for saving—Extension of savings banks—Money order offices—Post office savings banks—Charles W. Sikes—Lessons of thrift—Mechanics' savings banks—Savings of artizans—Savings in Preston. Pages 123—158
CHAPTER IX.
LITTLE THINGS.
Luck and labour—Neglect of little things—"It will do!"—Spending of pennies—The thrifty woman—A helpful wife—A man's daily life—The two workmen—Rights and habits—Influence of the wife—A penny a day—The power of a penny—Joseph Baxendale—Pickford and Co.—Roads and Railways—Business maxims. Pages 159—178
CHAPTER X.
MASTERS AND MEN.
Want of sympathy—Masters and servants—Christian sympathy—Competition—What capital represents—Workmen and employers—The Ashworths—New Eagley Mills—Improved workpeople—Public spirit of manufacturers—Mr. Lister of Bradford—Mr. Foster's speech—Great men wise savers—Sir Titus Salt—Saltaire—Its institutions—Music and sobriety—Mr. Akroyd, Halifax—Yorkshire penny bank—Origin of the bank—How to help the poor—Saving helps sobriety—Drunkenness put down—"Childish work"—Penny banks. Pages 179—204