"Exactly, my dear; but you know to-morrow is pay-day."

"And you have spent your last month's earnings?"

"Yes."

A brief silence ensued, which Albert broke.

"Come, Alice, you've got something on your mind. Out with it—I'll listen."

And then Alice, in a smiling, pleasant way, went on to tell her husband that they ought to be laying up something.

Albert smiled in turn, and asked how such a thing could be done when it cost all he earned to live.

"You earn three dollars and a half a day," said Alice.

"Yes."

"George Summers earns only three dollars a day."