gence--Results of
thriftlessness--Uses of saved money--Extravagant
living--Bargain-buying--Thrift and unthrift--Johnson on
economy--Self-respect--Self-help--Uncertainty of life--Laws of
mortality--Will nobody help us?--Prosperous times the least
prosperous--National prosperity--Moral independence. Pages 11--29

CHAPTER III.

IMPROVIDENCE.

Misery and wealth--The uncivilized--The East End--Edward Denison--Thrift
in Guernsey--Improvidence and misery--Social Degradation--Fatalism of
improvidence--Self-taxation--Slowness of progress. Pages 30--40

CHAPTER IV.

MEANS OF SAVING.

Earnings of operatives--Colliers and iron-workers--Earnings of
colliers--The revellers--Lord Elcho and the colliers--High wages and
heavy losses--High wages and drink--Sensual indulgence--Indifference to
well-being--Hugh Miller's experience--Mr. Roebuck's advice--Survival of
slavery--Extinction of slavery--Power unexercised--Earnings and
character--Ignorance is power--Results of ignorance--Increase of
knowledge--Education not enough--Words of Sir Arthur Helps--Divine uses
of knowledge--Public school education--Words of William Felkin. Pages
41--64

CHAPTER V.

EXAMPLES OF THRIFT.

Spirit of order--Examples of economy--David Hume--Rev. Robert
Walker--Self-application--Distinguished miners--Geo. Stephenson--James
Watt--Working for independence--Working for higher things--Work and
culture--Richardson and Gregory--Results of application--Distinguished
artists--Canova and Lough--John Lough--Lough's success--Words of Lord
Derby--James Nasmyth--Bridgewater foundry--Advice to young men. Pages
65--88

CHAPTER VI.

METHODS OF ECONOMY.

Keeping regular account--Generosity and forethought--Prudent economy--A
dignity in saving--Self-improvement--Causes of failure--The price of
success--Power of combining--Principle of association--Savings of
capital--Loss by strikes--Money thrown away--Industrial
societies--Co-operative companies--Equitable pioneers--Darwen
co-operatives--Spread of co-operation--Thrift conservative--Uses of
investments in building societies. Pages 89--109

CHAPTER VII.

ECONOMY IN LIFE ASSURANCE.

Co-operation in assurance--Improvidence cruel--Compensation of
assurance--Benefit societies--French and Belgian thrift--Workmen's
societies--Manchester Unity--Duty and Dinners--Low rates of
contribution--Failure of friendly societies--Improvement by
experience--Defects will disappear. Pages 110--122

CHAPTER VIII.