“It is higher than I wished to go,” remarked the gentleman. “I ought to get a new one for that price.”

“So you can, but not like this. I can sell you a new one for a hundred and twenty-five dollars. But what did you expect to pay for one?”

“I was offered one at Holton's for seventy-five; but I did not like it. I will give you a hundred for yours.”

“It is too little, indeed, sir: that carriage cost three hundred dollars when it was new. It was in use a very short time. I allowed a hundred and forty dollars for it myself.”

“Well, sir, I would not wish you to sell at a disadvantage, but if you like to, accept of my offer I'll take it. I'm prepared to pay the cash down.”

Mr. Allison did not reply for some minutes. He was undecided as to what was best.

“Forty dollars,” said he to himself, “is a pretty heavy discount. I am almost tempted to refuse his offer and trust to Hall's renewing the note. But suppose he won't—then I'm done for. I think, upon the whole, I had better accept it. I'll put it at one hundred and twenty-five, my good friend,” said he, addressing the customer.

“No, sir; one hundred is all I shall give.”

“Well, I suppose you must have it, then; but indeed you have got a bargain.”

“It is too bad,” muttered Allison to himself, as he left the bank after having paid his note. “There is just forty dollars thrown away. And why? Simply because those who are blessed with the means of discharging their debts promptly, neglect to do so.”