exclusiveness--Women and extravagance--Running into
debt--The temptation of shopkeepers--Temptations to crime--How crime is
committed--Love of dress--Gents--Reckless expenditure--Knowledge of
Arithmetic--Marriage--Happy tempers--Responsibilities of
marriage--Marriage not a lottery--The man who couldn't say "No"--The
courage to say "No"--"Respectable" funerals--Funeral extravagance--John
Wesley's will--Funeral reform. Pages 233--258

CHAPTER XIII.

GREAT DEBTORS.

Greatness and debt--Seedy side of debt--Running up bills--Loan
clubs--Genius and debt--Fox and Sheridan--Sheridan's
debts--Lamartine--Webster--Debts of men of science--Debts of
artists--Italian artists--Haydon--The old poets--Savage and
Johnson--Steele and Goldsmith--Goldsmith's debts--Goldsmith's
advice--Byron's debts--The burden of debt--Burns and Sydney Smith--De
Foe and Southey--Southey and Scott--Scott's debts and labours--Great
poor men--Johnson's advice--Genius and debt--Literary men. Pages
259--285

CHAPTER XIV.

RICHES AND CHARITY.

Helping the helpless--Dr. Donne--Rich people--Love of gold--Eagerness to
be rich--Riches and poverty--Riches in old age--Riches no claim to
distinction--Democrats and riches--Saladin the great--Don Jose de
Salamanca--Compensations of poverty--Honest poverty--Poverty and
happiness--Charity--Evils of money-giving--Philanthropy and
charity--Rich people's wills--Stephen Girard--Thomas Guy--Educational
charities--Peabody's benefaction--Benefactors of the poor--The Navvy's
Home. Pages 286--314

CHAPTER XV.

HEALTHY HOMES.

Healthy existence--Necessity for pure air--The fever tax--The
Arcadians--The rural poor--Influence of the home--Unhealthy
homes--Health and drunkenness--Wholesome dwellings--Edwin
Chadwick--Expectancy of life--The poor laws--The sanitary idea--The
sanitary inquiry--Sanitary commission--Sanitary science--Results of
uncleanness--Losses by ill-health--That terrible Nobody!--Home
reform--Domestic improvement--Cleanliness--Dirt and immorality--Worship
in washing--Knowledge of physiology--Domestic economy--English
cookery--Morals and cookery--Work for ladies--Joseph Corbet's story.
Pages 315--353

CHAPTER XVI.

THE ART OF LIVING.

Art of living exemplified--Taste an economist--Contrasts in cottage
life--Difference in workmen--Living at home--Home and
comfort--Comfortable people--Beneficence of house thrift--Organization
and method--Industry and punctuality--Management of temper--Good
mann