The following is a sketch of the way in which money is made by saving, according to the terms of many savings-banks, established in and near the metropolis; and there are some (the Southwark, Limehouse, and others,) that give interest at the rate of a halfpenny per calendar month for every twelve shillings deposited, which is upwards of four per cent. per annum.

Y
e
a SavingsInterest Total
r
s
£s.d.£s.d.£s.d.
1

Suppose, that in the course of thisyear, you deposit in the SavingsBank, the sum of

400

In the last day of next year, theSavings Bank will add as intereston that deposit, at least,the sum of

 030

And suppose that in the same year,you deposit the further sum of

400
2

Your Stock at the end of the 2ndyear, will be, at least

............830
3

On the course of the third year,add

4000661296
44th year  400010016196
55th year  400013621130
66th year  400117626106
77th year  40001031116
88th year  40015036166
99th year  4001964260
1010th year  40011404800
1111th year  400118653186
1212th year  4002306016
1313th year  4002806696
1414th year  40021307326
1515th year  40021868010
1616th year  4003408750
1717th year  400310094150
1818th year  4003160102110
1919th year  400420110130
2020th year  40048611916
––––––
Principal deposited £80003916
Interest added   £3916
–––
Total made by saving in 20 years £11916

Again, let us admonish you, as at first, to be Industrious. “Teach a man to be industrious and you will soon make him rich.” And, “money got by Industry, is heaven’s gift.” Frugality and temperance, are virtues to be practised chiefly on your own account, but Industry is an indispensable duty that you owe to your employers and to society. “Without frugality few would be rich, and with it few would be poor.” The man who promises himself success without endeavours, or despairs at the sight of difficulties, is always disappointed; but, on the contrary, he that is determined, and is indefatigable, succeeds even beyond his expectation. Depend upon it, there is not a more certain sign of a cowardly spirit than to have the edge of one’s activity soon blunted by opposition: on the other hand, there is no disputing the fortitude of him who boldly contends with obstacles, and pursues his object till he has attained it. To men of such temper few things are impossible. It was an ingenious device that a man made use of, by way of sign:—A pair of compasses, with this motto, By constancy and labour; one foot being fixed and the other in motion.—Make this your motto, and you will be very little in the power of chance or fortune.

What we have already said, may be considered as addressed chiefly to men servants; we have therefore to add a few admonitory precepts, particularly appropriated to our female readers.

One of the most advantageous qualifications in all servants, and particularly in females, is that of preserving a good temper, and endeavouring, to the utmost of their abilities, to give satisfaction. Possessed of a strong desire to please, you will seldom fail of doing so. Persons of a good disposition will be charmed with your readiness, and those of a bad one, will be disarmed of a great part of their harshness; and though you may, in some instances, be deficient in the due performance of your business, if it be apparent that your fault proceeds not from disobedience, indolence, or obstinacy, great allowance will be made, and you will rather be instructed as to the future than blamed for the past. If you are fearful of offending you will scarcely ever offend. In short, humility is a commendable virtue, and, combined with good temper, is the most valuable of female qualifications, and will, infallibly, conduct its possessors with ease and tranquillity through life.

Cleanliness is another qualification incumbent on every female servant, and particularly in Cooks, and those employed in the department of the kitchen. These should be very careful to keep themselves,—every place,—and all the utensils used in cooking, perfectly clean and neat.

We have already remarked, that those who are fond of telling all that they hear, are very naturally suspected of telling more than they hear. The best rule is, to do your own duty conscientiously, and leave others to take care of theirs: by this means you will preserve peace and acquire the love of all your fellow servants, without offending your employers; who, even though they may appear to give countenance to your tale, will not in their hearts approve of your conduct.

Take great care how you contract new Acquaintances, for to be easily drawn into a familiarity with strangers must be attended with ill consequences to yourselves, and those with whom you live. Never accept the invitations of other servants, nor go to feast at the expense of their masters and mistresses; as you must, in that case, be deemed an interloper, at least;—besides, it lays you under an obligation to return the treat, and induces you, after their example, to make free with the property of your own employers, under a consciousness of guilt, and a continual fear of detection.

Give nothing away without the knowledge and approbation of your employers, nor commit wilful waste, for that is a crime which seldom goes unpunished.

All duties are reciprocal. If you hope to obtain favour, endeavour to deserve it. A steady perseverance in the duties of your station is the only sure course infallibly to promote your progress to independence.