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