The Republican journal., 1870-04-14
THE TIN SAVINGS BANK.
BY HORACE ALGER, JE.

Charles Lynford was young mechanic in
good business. At the age of twcnty-siX he
had taken to himself q wife, Caroline Eustis,
the daughter Of neighbor, who had nothing
to bring him except her oT personal merits,
which Were many, and habits of thrift learn
ed in an economical household under the
stern teachings of necessity.
1t was well, perhaps, that Charles Lyntord
should obtain a wife of this character, since
he himself found it very difficult to save any
thing from his income.
1t was not long before Caroline became
acquainted with her husbands failing. She
could not feel quite easy in the knowledge
that they We're living quite up to their in
COME torcsceing that a time would come
when their family would grow more expen-
siye, and perhaps her husbands business.
now fourishng, might become less 50.
Accordingly one day she purchased Of u
lin peddler who came TO the door, Il little
lin safe such as children frequently use for
"usly on the mantel piece, SO that her hus
band might be sure to see il on entering.
''lIello, Carrie, what's that ~ he asked
curiously.
Only a little purchase I made to-day,r
said his Wife
But what is it lor?'' he continued
Let me Illustrate" said his wife play
fully "llayc You ten cent piece about
you?n
Charles drew a dime from his waistcoat
pocket His wife taking it from his hand
dropped ii into the box through u little hole
AT the top of the box.
Charles laughed
$50 you have taken to boarding, Carrie?
My little wife become miSer?''
"No, only 4 little prudent. But seriously,
Charles, thai is what want You to do every
night"
"What-drop a dime into this new tangled
arrangement Of yours?'
"EXactly.'
Very well that well be easy enough A
dime q day is not q great sum, Bat may |
know what You are going 10 do with this
newly commenced hoard ?"
Lay it by for Il rainy day Caroline
answered
Charles laughed merrily
And what vii! Il dime a day amount TO p
he inquired
In u year ii will amount" commenced
his wife, seriously
so, never minl-spare me the calculation
1t sounds too much like business, and have
enough of that during the day"
But you don't object to my plan?'
Not in the least | have no doubt it is
very commcndabc, but you know, Carrie,
never was gifted with 50 much prudehce'
Il am quite aware Of that said his wife
smiling.
This ended the conversation for the time
The plan inauguratcd by the young wife
was steadily carried out. She was not one
of those COT whom there are so many who
enter upon Il new plan zealously but soon
tire OF it, In the present case she was thor
oughly satisfied OF the wisdom of her pur-
pose, and resolved to carry it through.
hp cal a1 NOV b,,cJ Il
for a dime, which was forthwith added to the
accumulation. Frequently he had not the
change, but would toss her quarter instead.
She would assure him laughingly that this
would answer her purpose equally rs 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
only accesslons the fund received. Her hus-
band had early arranged to make all ample
arrangement for dress-I say ample, though
| dare say some of my city readers might not
have considered it so but Caroine-who
was in the habit of making her own dresses
provided herself with good wardrobe at
Il much less expense than some not so wei
yersed in the science ofmanagng could have
done
After considerable calculation she came tc
the conclusion that out of her daily allowance
she should be able to make u daily deposit
equal 10 that she eXacted of her husband
OF this, however, she thought it BEST on the
whole, not to inform Charles, ENJOYING in an
ticipation the prospect of being able, ii
some time, to surprise him with the unex
pected amount of her savings.
At the close of every month the tin DO,
was emptied, and the contents were trans
ferred to a savings bank of more pretcntions
where interest would be allowed. When tn,
sum deposited here became large enough
Mrs. lynford, who had considerable bushes
capacity, Withdrew them and invested il
bank and other stocks, which would yield
large per cent. OF her mode of arrangement
her husband remained in complete ignorance
Nor did he ever express any desire to b.
made acquainted with his wifc's manage
ment. lie was an easy, careless fellow
spending as he went, enjoying the presen
and not feeling any particular concern abou
the future,
At the end of eight years, during which h
had been unusually favored by prosperity
in business and with uninterrupted health
his books showed that he had not exceeded
his income, but that on the other hand h
had saved absolutely nothing. Twentyfv
cents alone stood to his credit.