The Democratic advocate. [volume] (Westminster, Md.) 1865-1972, 1870-01-06

laughlngly that this would answer her
purpose equally as we'll
More than once Charles would banter
her on the subject Of her little savings
bank, but this she bore gaily But
these were not the ouly acccs ious the
fund ,ccclvcd. Her husband had carly
arranged to make an ample allowance
for dress say ample, though | dare
say some Of my city reade might not
have considered it s1; but Caroline
who was IN the habit of making up her
| own dresses s-pr0vided herself with u
good wardrobe ut much less expense
thuu some not so well ,crseI in the
science Of managing could have done
After considerable calculation she
| came 20 the conclusion that out OF her
allowance she sho@d he able to make
daily deposit equal to that which she
cxacted Of her husband OF this, how.
ever, she thought it best, ou the whole,
not 10 iulorm Charles, enjoying ia an.
ticipation the prospect OF being able, at
some time, to surprise him with the un.
expected amount Of her savings.
At the close 0i every mouth the tin
box was emr mrtied, aud the contents were
transferred to saviugs bank o. more
prctensious, where interest would be
allowed. When the SUNS deposited
here became large enough, Mrs Lyn.
ford who had con on,iderable business
capacity, withdrew TIA I'm aud invested
in bunk and other stocks, which would
yield large per cent, . her mode OF
management her husband remained in
complete ignorance. Nor did he ever
express any desire to be nude aequaint.
ed with his witc's management. IIe
was an easy, carless fellow, spending as
he went, enjoying the present aud not
feeling any particular concern about the
future.
At the end Of eight years, during
which he had been unusually favored
b. prosperity in business aud uuinter.
rupted health, his book. showed that
he had not exceeded his Income, but
that on the other hand he had saved
absolutely nothing. Twenty five cents
alone stood TO his credit
Running pretty close, isn't it Car.
riey" he said, luughiugly. "I take
credit to myself for keeping oa the right
side OF the line But then, suppose
you have saved up au Immense sum"
How much do you think 7" asked
his wife.
80, perhaps a hundred dollars" i" said
Charles Lyulord carelessly, Though it
would take IA good many dimes to do
that
His wife smiled, but did 10. volun.
teer to enlighteu him as 10 the correct.
uess OF his conjecture.
So things went Gu till at leugth came
the panic Of lS57-a panic so recent
; that II will he remembered by many
readers Of this sketch IL will be re.
membered how universally trade and
business of every kind were depressed
at this period otbers the trade
which occupied Cbas. Lyniard suffered
One evening he came home looking
quite scrious-au expression which sci
dOm came over his cheerful lace.
Caroliue, who had watched the signs
of the times, was not unprepared to see
this. She had expected that her hus
bands business would be affected.
What is the matter, Charles ?" she
asked cheeriully.
THE matter is, that we shall have to
economise greatly
Anything uuiavorable turned up in
business matters 7"
81 should think there had. L shall
have but half a days work Tor some
time to come, aud | am afraid that even
this will fail before long You haven't
an idea, Carrie, how dull business oil
every kind has become"
Il think | have" said his wife,
quietly, ~ have read the papers care.
fully, and hare beeu looking out for
something Of this kind"
"Do you think we can reduce our
expenses one half" asked her usband,
doubtiully.
al think we shall be able to do So
Both of us are well supplied with cloth,
ing, and shall not need any more for a
year, at least. That will cut off con.
siderable expense; then there are a
great many little superAuities, you are
accustomed to buy-little things you
are kind enough to bring home to me
frequently, which l eau do very well
without. Then We eau live more plain
ly-have less pies aud cakes, and have
no doubt it will be an improvement 50
tar as health is concerned"
What u calculator you are, Canie?"
said her husband, feeling considerably
easier in mind. Il really think after
all you have said that it won't be SO
hard TO live Gu half our usual income
for the present, at least. But" aud his
countenance again changed, Suppose
my work should entirely fail sup,
pose you couldn't reduce our expenses
to nothing at-all, could you 2"
THAT certainly surpasses my pow.
ers, said his wife, smiling, "but even
in that case there is no ground for dis.
couragement. You have not forgotten
our savings bank, have you?"
why, no, | didn't think of that"
said her husband. al suppose that
would keep of starvation tor a few
weeks.
His wife smiled.
g And in those few weeks" she ad.
ded,. business might revive"
"To be sure" said her husband
swell, guess it'll be all right-Ill
not trouble myself about it any longer
The appreheusious to which Charles