“I beg your pardon, sir,” said a venerable-looking, white-headed man, accosting me one day, about six weeks ago, as I was walking alone near the banks of the Whitadder; “ye are one of the authors of the ‘Border Tales’, sir—are ye not?”

Not being aware of anything in the “Tales of the Borders” of which I need to be ashamed, and moreover being accustomed to meet with such salutations, after glancing at the stranger, with the intention, I believe, of taking the measure of his mind, or scrutinizing his motive in asking the question, I answered—“I am, sir.”

“Then, sir,” said he, “I can tell ye a true story, and one that happened upon the Borders here within my recollection, and which was also within my own knowledge, which I think would make a capital tale.”

Now, I always rejoice in hearing any tale or legend from the lips of a grey-haired chronicler. I do not recollect the period when I did not take an interest in such things; and a tradition of the olden time, or a tale that pictured human nature as it is, ever made the unceasing birr, birring of the spinning-wheel—which the foot, belike, of an aged widow kept in perpetual motion—as agreeable to me as the choicest music. For, what is tradition, but the fragments which History left or lost in its progress to eternity; and which Poetry, following in its wake, gathered up as treasures too precious to be overwhelmed by the approaching waves of oblivion, and, breathing upon them the influence of its own immortal spirit, embalmed them in the hearts and in the memories of men unto all generations? Though, therefore, it was no ancient legend which the stranger had to relate, yet, knowing that it might not on that account be the less interesting, I thanked him, “and with greedy ears devoured up his discourse.”

The story which he then related to me, I shall, therefore, after him, communicate to my readers.

You will excuse me in not mentioning the name of the town in which the chief incidents mentioned in our story occurred. There may be some yet living to whom some of them might not be agreeable. I shall, therefore, speak of it as the town of H——, and other circumstances referred to may lead you to form an idea of “its whereabouts.”

Many years have passed—at least forty—since the period at which our story commences; and there then dwelt in the town of H—— one Walter Kerr. (So you will allow me to call him.) His parents were what are generally called respectable sort of people; for the house in which they dwelt was their own, and there were also three or four others, all very good and respectable-looking houses (as we say again), the rents of which they received from their tenants. But there is no word in our language to which less respect is shewn than the word respectability. It is prostituted every day. Is is no matter whether a man be the proprietor of one house, one acre, one pound, or a hundred houses, a thousand acres, and ten thousand pounds; neither houses, acres, nor money can make him truly respectable. As the sun, moon, and stars shed light upon the earth, so do honesty, virtue, and strict integrity confer respectability on the head of their possessor. I care not what a man’s situation in life may be, nor whether he be a hewer of wood or a drawer of water, the lord of a forest, or one who hath a fleet upon the seas; shew me a good, a virtuous, and an upright man—and there is a respectable man, be his rank or situation in life what it may. The parents of Walter Kerr, however, were respectable in a better and a truer sense of the term than that of being merely persons of a certain property; they were Christians not only in their profession but in their practice. Walter was by far the cleverest of the family; and from his boyhood his parents designed him for the pulpit, and gave him an education accordingly. Like many parents, they thought that his cleverness was a sufficient reason why they should bring him up to the sacred profession, without once considering how far the seriousness of his thoughts and habits fitted him for preparing for the office. It must be acknowledged, however, that in this they were not singular. We find hundreds who, without perceiving either cleverness or piety in their favourite son, resolve to make him a minister. Yea, frequently, from his very cradle his calling is determined. I remember having heard a good woman say—“If I live to have another son, and he be spared to me, I shall bring him up for the kirk!”

But the parents of Walter Kerr were possessed of more discretion; and when they found that he was averse to their proposal of his becoming a preacher, they abandoned the idea, though not without reluctance, and some tears on the part of his mother. Now, Walter was a youth of a gentle temper and an affectionate heart; but, at the same time, he seemed formed for being what you would term a man of business. He was shrewd, active, speculative, and calculating, with quite a sufficient degree of caution, as ballast, to regulate his more ardent propensities. At his own request, he was bound apprentice to a general merchant in his native town; and before he was twenty-one years of age, he commenced business for himself. He began with but a small stock in trade; for his parents could not afford a great deal to set him up. Yet he was attentive to business; he pushed it, and his trade increased, and his stock became more various. He had scarcely, however, been two years in business, when he took unto himself a portionless wife. His parents were displeased—they looked upon him as lost. Every one said that he had done a foolish thing, and agreed that it was madness in him to marry, at least so hastily, and before he could say that even the goods in his shop were his own. But people are very apt to talk a great deal of nonsense upon this subject. The important question is not when a man marries, but who he marries. They talk of a wife tying up his hands, and placing a barrier before his prospects; in short, as bringing a blight over his worldly expectations, like an untimely frost nipping and withering an opening bud. Now all this is mere twaddle—a shewing off of self-wisdom, to make known how much more wisely we have or would have acted than the person referred to. It is one of the thousand popular fallacies which ever float on the surface of the chit-chat of society. A married man, young or old, is always a more sponsible sort of character than a bachelor. If a man take unto himself an amiable and a prudent wife, even though she bring him not a shilling as a dowry, and although he may be young in years and a beginner in business, he doeth well. Had he doubled his stock, his credit and his custom, he would not have done better; for he has a double motive to do so. He has found one to beguile his dulness, to soothe care, to cheer him forward, and to stimulate him to exertion; and that, too, tenderly as the breath of May fanneth and kisseth the young leaves and flowers into life and beauty. But all this dependeth, as hath been said, upon her amiableness and prudence; for, if the wife whom a man taketh for “better for worse,” possess not these indispensable requisites, he weddeth a living sorrow, he nurseth an adder in his bosom, he giveth his right hand to ruin.

Now, the wife of Walter Kerr possessed those qualities which rendereth a virtuous woman as a crown of glory to her husband. She was the daughter of a decayed farmer, and her name was Hannah Jerdan. To her the misfortunes of her parents were not such; for, while they had made her a stranger to luxury, they had introduced her to the acquaintanceship of frugality and industry. At the time she gave her hand to Walter Kerr, she was scarce twenty; and to have looked on her, you would have thought of some fair and lovely flower which sought the sequestered dale or the shaded glen, where its beauties might blush unseen—young, modest, meek, affectionate, and beautiful, man never led a lovelier bride to the altar. Her husband soon found that whatever the world might think or say of the step he had taken, he had done well and wisely. She not only became his assistant in his business, and one who took much care and anxiety from his mind, but her affection fell upon his bosom like the shadow of an angel’s wing, that was spread over him to guard him from evil; and he found her, too, as a monitor whispering truth in the accents of love. If he acquired money in trade, she taught him how to keep it and profit by it—and that is a “secret worth knowing.” Let it not be supposed that she was one of those miserly beings who scrape farthings together for the sake of hoarding them. In her spirit, meanness had no place; but there were two proverbs which she never suffered herself to forget, or those around her to neglect, and those were, that “a penny saved is a penny gained,” and “wilful waste makes woful want.” Nor do I wonder that the latter saying took deep root in her heart; for, as having experienced privation in the days of her father’s distress, there is nothing can be more painful to those who have known and felt what want is, than to see food, for want of which they were once ready to perish, wasted, and that, too, perchance, while a hunger-stricken beggar has been turned rudely from the door while he prayed for a morsel to eat. She would not see the crumbs which fell from the table wasted. In this her husband readily perceived the propriety of her conduct, and he esteemed her the more as he witnessed it; but the force of her first adage, that “a penny saved is a penny gained,” he was slow to appreciate in its true light. Yet for this, perhaps, there was a reason. Previous to his marriage, he had been in the habit of spending the evening after business hours, with a club of young tradesmen and other acquaintances. Now, habit is the pettiest and the most imperious of all tyrants. Even with a pinch of snuff it can make you its slave. It renders you miserable, until you once more bend the knee before it. But, as I have said, habit, though an imperious, is a petty tyrant; and three weeks’ resolution, though you will have struggles to encounter, will enable you to snap asunder the strongest chain that ever habit forged. I do not mean the habits, the seeds of which we acquire in infancy, and which grow with our growth and strengthen with our strength, and which, in fact, perform a part of our education (though we do not admit it), until they are set down as things belonging to or ingrafted in our natures; but I mean the habits which we acquire in after-life. And, as has been stated, Walter Kerr had acquired a habit of attending an evening club, of which he had been a member during the last year of his apprenticeship; and, from the period that he commenced business up to his marriage, and a few days after he had brought home his wife, he attended the club as usual. He was happy in the society of his young and fair wife; but still (as we say in the north), there was a “craiking” within him for something to make him perfectly happy, and that “craiking” was to attend the club as usual. Now, it was not a club in which they either drank deep or sat late—for it was a regulation amongst them that no man should sit in the club-room after ten o’clock, or drink more than three glasses; but, although they had this wholesome regulation, they had no by-law against what many of them called “adjournments,” or “sederunts,” and at which, though out of the club-room, the three glasses frequently became six.

With regard to the “sederunts,” however, Hannah had no cause to complain of her husband; for he never had been one of those who formed them. Neither did she murmur, or consider herself neglected, on account of his attending the club; for she reasoned with herself, that, after the cares, toils, and business of the day, he required some relaxation; and although her company might be more agreeable to him than any other, yet she knew that the beauty and the fragrance of a flower does not increase by for ever looking upon it, and on it only, but that our admiration of the flower increases, as we pass over the weeds which we behold around us. Yet, she thought that every night was too much—more than relaxation required; and she thought, also, that a shilling a-night was six shillings in the week (for let it not be thought that a club, of which Walter Kerr was a member, met on the Sabbath), and that six shillings a-week was nearly sixteen pounds in the year—a sum that might frequently be of use when accounts became due, and money was difficult to get in. She therefore delicately and tenderly endeavoured to break her husband from the habit he had acquired; but she attempted it in vain. He believed himself to be one of the most frugal and industrious tradesmen in the town; and nothing but bringing the fact plainly and broadly before him, seemed sufficient to convince him that there was aught of expensiveness in his habits. But his wife, more delicately and efficiently, did so convince him. They were talking together of many things, and their conversation lent wings to the short hours, when, an opportunity offering, she related to him an anecdote, which brought home to himself his nightly attendance at the club; and, as I know the story to be no allegory, nor child of the brain, but a fact, I shall relate it to you.