The Baltimore County union. [volume] (Towsontown, Md.) 1865-1909, 1865-02-18

his conjecture. SO things went till at
length came the panic of 1914 panic so
recent that it will be remembered how uni
versally trade and business OF every kind
/ were depressed at this period--among 9TH
ers, the trade which occupied Charles Lyn-
| ford suffered.
One evening he came home looking
/ quite serious-an expression which seldom
| came over his cheerful face. fi..f4s
| Caroline who had watched the signs of
| the times, was not unprepared to see this.
/ She suspected that her husbands business
was affected, ia aii@
| what is The matter Charles?' she ask
| ed, cheerfuily.
| "The matter is, that we will have to
/ economize greatly" a
/ Anything unfavorable turned up in bu-
| siness matters {" 7aiiags @uj8 d
! Il should think there had ] will have
but half a days work for some time to
+ come, and | am afraid that even this will
| fail before long. You haven't an idea,
Carrie, how dull every kind ofbusness has
/ become"
4 81 think ] have" said his wife, quietly,
| II have read the papers carefully, and have
been looking out for something of this
! kind"
"Do you think we can reduce our expen-
ses one-half?" asked the husband, doubt
! fully"
II think we will be able to do so. Both
Of US are we'll supplied with clothing, aud
will not need any more for year at least.
This will cut off considerable expense
Then there are a great many little super
| fuities you are accustomed to buy-little
things which you are kind enough to bring
! home to me frequently, which / can do
very we'll without. Then we can live more
! plainly-have less pies and cakes-and l
have no doubt it will be an improvement
as far as health is concerned"
"What calculator you are, Carrie" 4"
said her husband, feeling considerably ca
ser in mind. 81 really think after all you
have said that it won't be hard to live on
| half Of our usual income-for the present,
at least. But and his countenance again
changed, suppose my work should entirely
| fail-I suppose You couldn't reduce our
| expenses to nothing at all, could you ?"
/ THAT certainly surpasses my powers,
said his wife, smiling, but even in that case
there is no ground for discouragement.-
| You have not forgo tten our savings bank,
have you
why no, l didn't think of that said her
husband, 4 suppose that would keep off
starvation for few weeks.
! His wife smiled
And in those few weeks she added,
business might revive
TO be sure,' said her husband We'll
guess it will be all right will try not to
trouble myself about it any longer
| The apprehensions to which Charles Lyn-
r toh ho Opfx fo0
we'll founded. In less than a month from
the date of the conversation just recorded,
the limited supply of work he had been
able to secure, failed and he found himself
without work of any kind, thrown back up
on his own resources.
Although he had anticipated this, it
seemed unexpected when it really did come
upon him, and again he returned home in
q fit Of Encouragement. H. briefly ex-
planned to his wife the new calamity which
had come upon them.
| And the worst Of it is. he added, there
will be no better times till spring. 81
DO you think that the business will re-
vive then?
! TT must by that time. But there are
five or six months between. do not know
how we are going to live during that7Hme.
! Il do, replied his wife, quietly. ss
| Your exclaimed her husband in sur
prise.
yes, your income has never been more
| than six or seven hundred dollars year,
and l have no doubt we can live six months
on two hundred and fifty dollars
Yes, certainly, but where is that money
to come from? I don't want to get in debt,
and if did l should not know where to
| borrow
Fortunately, there is no need of it, said
Mrs. Lynford. You seem to forget orr
little savings bank
But is il possible it can amount to two
hundred and fifty dollars I? he asked in sur
prise.
yes, and sixhundred more,' said his wife.
Impossible!
wait minute and I'll prove it,.
Caroline withdrew a moment, and reap
peared with several certificates of bank
and railroad shares, amounting to eight
hundred dollars and book in which the
balance was deposited to her credit.
Are you sure you haven't had a legacy? !?
demanded Charles in ainazement. Surely
a dime day would not produce this
"No. but two dimes day have,
/ with little extra deposit now and then.
| think, Charles, that we can ward OF star
vation for time
'All this l owe to your prudence said
Charles, gratefully. How can ! repay
you?
Charles Lynford remained out of employ
ment some months. But in spring, as he
anticipated, business revived, and he was
once more in receipt of his old income
Nj ore than two thirds of the fund was still
left, and henceforth Charles was not less
assiduous than his wife in striving to in
crease it.
The little tin savings bank stands on the
mantel-piece, and never fails to receive a
deposit daily.