The new Northwest. [volume] (Portland, Or.) 1871-1887, 1872-11-08
The Tin Savings Bank.


wife, Caroline Eustis, the daughter of a
neighbor, who had nothing to bring
but her own personal merits, which
We're many, and habits of thrift, learned
in an economical household under the
stern teachings of necessity.
1t was well, perhaps, that Charles
LynfOrd should obtain a wife of this
character, since he himself found it hard
to save anything from his income.
1t was not long before Caroline be-
came acquainted with her husbands S
failines She could not feel quite easy
in the knowledge that they were living
fully up TO their income, foreseeing a
time would come when their family
would grow more expensive and per-
hans her husbands business, now -four
ishing, might become less so.
Accordingly, one day she purchased of
peddler, who came to the door, little
tin safe, such as children frequently use
for a savings bank. This she placed,
conspicuously on the mantel-piece, so
that her husband could see it on enter
ing.
"HeIlo, Carrie! what's that? ?" he
asked. curiously.
''Only little purchase 1 made to-
day." said his wife.
"But what is it meant for?" he asked
again.
'Let me illustrate" said his wife,
playfully. "Have you ten-cent piece
with you? ?n
Charles draw dime from his waist
coat pocket. His wife, taking it from
his hand, dropped it into the box
through a slit in the top.
Charles laughed.
$50 you have taken to hoardiug, Car
rie? My little wife become a miserw
''No, only a little prudent. But, Sc
riously, Charles, that is what want YOU
to do every night"
"What-drop dime into this new
tangled arrangement Of your?'
"EXactly.n
every well; that will be easy enough.
A dime a day-that is not a great sum.
But may know what YOU are going to
do with this newly commenced hOard?"
Lay il up for rainy day. Caroline
answered.
Charles laughed merrily.
"And what will a dime a day amount
tO?' he inquired.
'In. year it will amountn-eom-
menced his wife, seriously
''Oh, never mind-sBare ME the calcu-
lationi 1t sounds so much like busi-
ness, and ] get enough Of that during
the day"
"But you do not object to my plan ~
mot in the least. l have no doubt il
is very cOmmendable: but YOU know,
Carrie, l never was gifted with much
prudence"
al am aware of that" said his wife,
smiling.
This ended the conversation for q
time.
The plan inaugurated by the young
wife was steadily carried out. She was
not one of those (Of whom there are SO
many who enter upon q new plan zeal
Ously, out soon tire Of it. In the present
case, she was thoroughly satisfied of the
wisdom of her purpose, and resolved to
carry it through. Every morning she
called upon her husband for a dime
which was forthwith added to the ac-
emulation. Frequently he had not
the exact change, and would toss heI
twenty-five cents instead. She would
assure him, laughingly, that this would
answer her purpose as well.
More than once, Charlie would banter
her on the subject of her little savings
bank; but this she bore gaily. But
these were not the only aecessions the
fund received. Her husband had early
arranged 10 make ample allowance fOl
dress-I say ample, trough i dare say
some of my city readers might not co'a-
slider it so; but Caroline, who was in the
habit of making her own dresses, pro
Vided herself with good wardrobe at Z
much less expense than some not so wei
versed in the science of making could
have done.
After considerable calculation, she
came to the conclusion, that out OF hel
daily allowance she should be able tC
make n daily saving equal to that whlel
she exaeted from her husband. OF this
however, she thought II best, on tht
whole, not to inform Charles; enjoying
in anticipation the prospect OF oelns
able, at some future tlmei TO surprlst
xt-ifb fba rrnavnnatnl amount oil nel
savings.
At the close of every month, the tir
box was emptied, and the contents
were transferred to a bank OF more pre-
tensions, where interest was allowed
When the sums deposited there became
large enough, Mrs. Lynford, who ha1
considerable business capacity, with
drew them, and deposited in bank anC
other stocks which would yield large
per cent. OF her mode of management
her husband remained in complete ig
nOrance, nor did he ever express any
desire to be made acquainted with hi
wifes management. He was an easy
careless fellow, spending as he went
enioying the present, and not feeling
any particular concern about the III
ture.
All the end of eight years, during
which he had been unusually favored
by health, his books showed that he haG
not exceeded his income; but that OF
the other hand, he had saved nothing
Twenty-Five cents alone stood to III
credit.
Running pretty close, Carrier IN
said, laughing. 81 take credit to my
self Of keeping on the right side OF tn
line. But then, ! suppose that you hay'
saved up an immense sum-"
"How much do you thinkn' aske'
his wife wife
"Oh, perhaps hundred dollars" salt
Charles LynfOrd, earelessly; "though i
would take good many dimes to d,
that" His wife smiled, but did no
volunteer to enlighten him as TO tn
correctness of his conjecture.
so things went on, till at length cam
the panic OF lS57-a panic so recent tina
il will be remembered by MANY reader
of this sketch. 1t will be remembere,
how universally business and trade q
every kind were depressed at this nc
riod; among Others, the trade which oe
cupied Charles LynfOrd suffered.
One evening he came home lookin
quite serious-an expression which Sc
dom came over his cheerful face.
Caroline, who had watched the sigr
of the times, was not unprepared to Sc
this. She had expected that her hui
bands business would be affected
"What is the matter, Charles ?'i sll
asked, cheerfully.