The Express.
London, England, 1859-12-15 00:00:00

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lIONDON. TEUESDAY. DEC. 16.

TIM letter of "A Clergyman" on long credits,
which the Daily News published on Monday, will
hare met with a reward, from many people, in town
and country, wire de not write to newspapcn, or tell
their experience termed their own circle. In town
and country, we say ; and more emphatically perhaps
in the country than in town, though such cams method
of SARAH IJTEII are but too familiar to all whe
attend to the proceedings of police courts. If those
who agree with " A Clergyman," or those who are
qualiti d to answer b;s questions, were to reply
througL us, the foliowing would be, we believe, what
they would say :

It is true that ready money payment@ would de
men good, and save more vice and misery than per-
haps any form of charity that can be pointed out. At
the comet, it is plain enough that men ought to be
jest beton they are generous ; that ladies ought to
pay their dressmakers before they subscribe to re-
lieve distressed needlewomen ; and that country
petition should have no heavy bills unpaid to
tradesmen at Christmas, when they are giving away
orals and bleekets to shivering families who would
lave bees warm and independent if they had had
their dee from the master workmen to whom the
gentry are in debt. Justice first, and generosity
afterwards, all the world over ; and in the very first
plate, to the payment of industry.
The " i'lergyeress" Inquires whether it is not the
most humane way of proceeding, " to pay the neces-
" sary bills of butcher, baker, mem, milkman, des,
" at short intervals.," and ready money wherever
practicable. though the tradesmen themselves some-
times prefer long credit. The ordinary state of
things in many a rural district in England
affords a very clear answer to the question.
Where there is any staple production in such •
district, and especially one of an old-teshimied cha-
raster, • system of long credits may too often—per-
haps most commonly—be found. in a grazing
district, or a timber district, for instance, the old
fashion of long credits determines the custom of the
placer. The seller of timber allows long credit, and
he claims it in all his own transactions. If he car-
ries on great drainage works on his land, or builds
largely, the contractors for those works, knowing
how long they shall have to wait for their money,
do not pretend to pay their workmen or common
labourers more than they are actually compelled.
In such placate the labourers are paid small
sums at Irregular intervals. and are expected to wait
till the 'ear'. end at least fur the balance. These
small sums du not always—in fact do very seldom—
go to pay for the necessaries of life oo the spot. The
labourers take ;wig credit, like their betters. They
have • conception of a great amount coming to them
by and by which will pay off everything, and the
driblets of money which they obtain at intervals go
for some imaiedece indulgent*, and most commonly
at the public-house. In a community where nobody
knows what he has, everybody is apt to gratify the
wish of the moment, and suppose he will pay for it in
the end. And this hada to another of the " Clergy-
mari'e" considerations. A tradesman told him that
shop good. could be supplied mach cheaper on a
reedy-money system.
This msy seem too obvious a truth to spend a
word upon, yet the operation of this truth is so
involved with the whole prosperity, and especially
with the morality, of our rural populations, that
it will not be a waste of words to advert
briefly to it. Where tradesmen ■nd labourers
are paid in the way we have described, the amount
of insolvency is very great. The contractors for
works, builders, arid others, are apt to be realm
just in the same way as their labourers. They have