CHAPTER II.

HABITS OF THRIFT.

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