'Yes, uncle; O yes,' I assented, glancing towards my mother, who was smiling somewhat scornfully, I fancied, at his opinions.

'Take care of his pence and his pounds will take care of themselves,' continued uncle; 'and beware of ever getting into debt, Kate; it's the easiest thing to get into and the hardest thing to get out of. Take my advice; live well within your means, and always pay ready-money.'

'Yes, uncle; O yes,' I responded. 'I am sure you are right; and Henry is so prudent, he is certain to have the same ideas.'

'Well, keep them before your own mind. Don't despise an old man's counsel: buy nothing that you can't afford; and always pay ready-money.'


I remember that conversation so well with Uncle Jocelyn, some few weeks before my marriage; at the time it did not strike me so forcibly as afterwards, for my mind was too filled with other and to me more interesting matters.

Uncle Jocelyn was an old man, and the amount of his fortune had always been wrapped in some obscurity; but he lived comfortably, and possessed a small property in Berkshire, upon which he had built a pretty and substantial house, where I had often spent many happy days. He had always shewn a special affection for me, no doubt owing to the fact of my being the daughter of his only brother, who had died when I was quite an infant, leaving me to the sole guardianship of my mother. Unfortunately for me, there had never been any love lost between the latter and Uncle Jocelyn; the coolness had rather increased than diminished as years went by; and when invitations were sent for us to visit Conington, which was the name of my uncle's place, my mother invariably refused for herself, and only with great persuasion permitted me to go.

How I enjoyed these visits! How sweet were the hay-fields and clover-scented meadows! How cool and fresh the marble-slabbed dairy, with its rows of brimming basins of frothy golden cream! How fragrant was the old-fashioned garden, with its long grassy walks and great big dewy roses, and the old cedar-tree so shady, under which Uncle Jocelyn would sit of an afternoon smoking, listening apparently quite satisfied with my childish conversation! The sun always seemed to be shining in those days. I can recall no gloom then, and things all wore a charm, which I did not know lay chiefly in the fact of my own youth and utter ignorance of life and its cares.

However, not to digress, I had not seen so much of Uncle Jocelyn since I had grown up, partly on account of my mother's unabated dislike to him, partly because of the existence of a new interest in life. I had met Henry Arden. He was six-and-twenty, five years my senior. His position in life was a fairly good one, he having a small interest in a first-rate City business which gave him over three hundred a year; his character was irreproachable; and when I say that he was a general favourite wherever he went, it may be surmised that in my opinion he was, if not quite perfect, very closely akin to it. For myself I was passable—perhaps a little more than that; but I was penniless until my mother died; so it was a very astonishing thing to me how so desirable a parti had fallen to my lot. He was certain to get on; the senior partners had been known to say so themselves. Consequently our start in life promised to be a fair one. And to be brief, we were married. Our honeymoon was of comparatively short duration, but it was long enough to cost Henry, as I afterwards learned, something like forty pounds, which was a considerable cut out of three hundred a year; for it had not occurred to him to lay by any spare cash for those unavoidable expenses. I had felt rather uneasy at the expenditure; but it was too early days to venture on any remonstrance, had I been so inclined; we were sure to live very quietly when we once settled down, and could easily then make up for any little extravagance of which at the outset we had been guilty. We were to live in London, and we were fully agreed on one point—lodgings were not to be thought of, we must have a house of our own. The prospect of possessing one jointly with Henry was very pleasant to me. I pictured an endless fund of amusement and occupation too, in furnishing and adorning it; but the mansion had still to be selected; so our first business was to find one to suit us, the next to get into it as soon as possible.

We must have spent a small fortune in cab-hire before we finally found just what we wanted; even then, though the situation was good and the domicile desirable, the rent rather frightened us: it was eighty guineas a year unfurnished; but we should be so comfortable in it. The smallness of its size—and it was extremely small—was rather an advantage than otherwise, as it would require so little furniture; and two maids would be amply sufficient for our establishment, which in such a place would be a most creditable ménage.