other correspondents in Durham, Renfrewshire, Yorkshire, Lancashire,
Staffordshire, and South Wales.

The author trusts that the book will prove useful and helpful towards
the purpose for which it is intended.

London, _November,_ 1875.





CONTENTS.


CHAPTER I.

INDUSTRY.

Private economy--Useful labours--Our birthright--Results of
labour--Necessity for labour--Industry and intellect--Thrift and
civilization--Thrifty industry--Thrifty economy. Pages 1--10


CHAPTER II.

HABITS OF THRIFT.

Workmen and capital--Habits of economy--Self-indulgence--Results of
thriftlessness--Uses of saved money--Extravagant