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.

SAVINGS BANKS.

Direct saving--Uses of saved money--Beginnings of savings banks--Dr.
Duncan of Ruthwell--Establishment of savings banks--Classes of
Depositors--Magic of drill--Military savings banks--Savings of
soldiers--Soldiers abroad--Deposits in savings banks--Savings at
Bilston--Savings of working men--Penny banks--Charles W.
Sikes--Mechanics' institute banks--The poor man's purse--Depositors in
penny banks--They cultivate prudent habits--Influence of women--Early
lessons in thrift--Belgian Schools--Facilities for saving--Extension of
savings banks--Money order offices--Post office savings banks--Charles
W. Sikes--Lessons of thrift--Mechanics' savings banks--Savings of
artizans--Savings in Preston. Pages 123--158


CHAPTER IX.

LITTLE THINGS.

Luck and labour--Neglect of little things--"It will do!"--Spending of
pennies--The thrifty woman--A helpful wife--A man's daily life--The two