Printed by Hazell, Watson, & Viney, Ld., London and Aylesbury.




PREFACE.



This book is intended as a sequel to "Self-Help," and "Character." It
might, indeed, have appeared as an introduction to these volumes; for
Thrift is the basis of Self-Help, and the foundation of much that is
excellent in Character.

The author has already referred to the Use and Abuse of Money; but the
lesson is worthy of being repeated and enforced. As he has already
observed,--Some of the finest qualities of human nature are intimately
related to the right use of money; such as generosity, honesty, justice,
and self-denial; as well as the practical virtues of economy and
providence. On the other hand, there are their counterparts of avarice,
fraud, injustice, and selfishness, as displayed by the inordinate lovers
of gain; and the vices of thoughtlessness, extravagance, and
improvidence, on the part of those who misuse and abuse the means
entrusted to them.

Sir Henry Taylor has observed that "industry must take an interest in
its own fruits, and God has appointed that the mass of mankind shall be
moved by this interest, and have their daily labour sweetened by it."
The earnings and savings of industry should be intelligent for a purpose