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 always something left in their pockets to help others; whereas your prodigal and careless fellows who spend all never find an opportunity for helping anybody. It is poor economy, however, to be a scrub. Narrow-mindedness in living and in dealing is generally short-sighted, and leads to failure. The penny soul, it is said, never came to twopence. Generosity and liberality, like honesty, prove the best policy after all. Though Jenkinson, in the Vicar of Wakefield,' cheated his kind-hearted neighbour Flamborough in one way or another every year, "Flamborough," said he, "has been regularly growing in riches, while I have come to poverty and a gaol." And practical life abounds in cases of brilliant results from a course of generous and honest policy.

The proverb says that "an empty bag cannot stand upright"; neither can a man who is in debt. It is also difficult for a man who is in debt to be truthful; hence it is said that lying rides on debt's back. The debtor has to frame excuses to his creditor for postponing payment of the money he owes him; and probably also to contrive falsehoods. It is easy enough for a man who will exercise a healthy resolution to avoid incurring the first obligation; but the facility with which that has been incurred often becomes a temptation to a second; and very soon the unfortunate borrower becomes so entangled that no late exertion of industry can set him free. The first step in debt is like the first step in falsehood; almost involving the necessity of proceeding in the same course, debt following debt, as lie follows lie. Haydon, the painter, dated his decline from the day on which he first borrowed money. He