the
daughter of Prudence, the sister of Temperance, and the mother of
Liberty. It is eminently conservative--conservative of character, of
domestic happiness, and social well-being. It is, in short, the
exhibition of self-help in one of its best forms.

Francis Horner's father gave him this advice on entering life:
"Whilst I wish you to be comfortable in every respect, I cannot too
strongly inculcate economy. It is a necessary virtue to all; and
however the shallow part of mankind may despise it, it certainly
leads to independence, which is a grand object to every man of a high
spirit."

Every man ought to contrive to live within his means. This practice
is of the very essence of honesty. For if a man does not manage
honestly to live within his own means, he must necessarily be living
dishonestly upon the means of somebody else. Those who are careless
about personal expenditure, and consider merely their own
gratification, without regard for the comfort of others, generally
find out the real uses of money when it is too late. Though by nature
generous, these thriftless persons are often driven in the end to do
very shabby things. They waste their money as they do their time;
draw bills upon the future; anticipate their earnings; and are thus
under the necessity of dragging after them a load of debts and
obligations, which seriously affect their actions as free and
independent men.

It was a maxim of Lord Bacon, that when it was necessary to
economize, it was better to look after petty savings than to descend
to petty gettings. The loose cash which many persons throw away
uselessly, and worse, would often form a basis of fortune and
independence for life. These wasters are their own worst enemies,
though generally found amongst the ranks of those who rail a the
injustice of "the world." But if a man will not be his own friend,
how can he expect that others will be. Orderly men of moderate means
have always something left in their pockets to help others; whereas,
your prodigal and careless fellows who spend all, never find an
opportunity for helping anybody. It is poor economy, however, to be a
scrub. Narrow-mindedness in living and in dealing is generally short-
sighted, and leads to failure. Generosity and liberality, like
honesty, always prove the best policy after all. Though Jenkinson, in
the "Vicar of Wakefield," cheated his kind-hearted neighbor
Flamborough in one way or another every year, "Flamborough," said