Year: 1860

A habit of saving should be cultivated by
every one. and if the amount saved is but
trifing it will count, and collection of tri-
fling sums will in course oftime amount to
large sum. The ''rainy day" of which we


hear will surely come, and it may come up
on US before we are prepared for it. The


yoang man with strong arms, good constl-


tuition, and thorough knowledge of some


useful art, may not deem it necessary to


make provisions of any serious nature for


the future, and above keeping out of debt,


he may not seem to care. But accidents


may overtake him, and the means of his sup


port taken away, or sickness may place him


where instead of earning he must be spen-
ding. and then he will see the need of some
thing laid by in advance. We are all liable
to the accidents of sudden sickness or per-


sonal injury, and preparation for them


would seem the part of wisdom. 10 save is


easy enough, ifa habit of saving is acquired,


and the habit can be formed as readily as


any other. Let man who is earning ten


or twelve dollars a week make up his mind


that with health he will lay up hundred


dollars in year, and by putting aside the
trihing srm of two dollars from the wages of


each week he will accomplish it without
seeming to feel il: whereas if be had contin-
y = Is


his expenses by his desires, and at the end


of the twelvemonth wanted to raise hun


dred dollars the task would be difficult


We are convinced that systematic method


of saving is the best, because it is felt the


least, more readily observed because it soon


becomes habit, and the result is more sat


isfactory because seemingly unexpected. =
Parents would do well to cultivate this
habit in their children, always endeavoring
to keep separate the feeling OF prudence,


which would prompt to save for good pur-


POSE and the miserly feeling which would
save alone for the sake of money. Children
should be taught the value of money, and
any parent without being niggardly, can
teach the child that money has value above
what it will procure, and that careful use
of it only is advantageous. To foster this
/: habit of saving in young folks, we have ex.
{ celent institutions in the savings banks, and
E more es,eeially in those which take IN the
| five cent savings Of the little ones. This al
fords an opportunity for the children 70 oe-


post their bits, and these bits Will amount
Y Is something more than bits in little wniie
ri and astonish the juvenile deposltor with "na'
}, seems to him fortune We don't remem
: Der who first suggested the Improvement on
It the old system of savings banks, OF taking
e small deposits. even as low as five cents, bu
$ he must have been a philanthropist, and
h shrewd observer of men and things. Ihes'
y little sums are frequently in the hands Q
e children, and as likely to be spent for can
d dies, etc, as not, and a habit of disposing Q
1t money in this way is rather injurious thar
ar otherwise. If they can be induced to deposi
e, their dimes and half dimes, a habit will b
ID formed which will be of more advantage T
y them With this idea, five cents saving
le banks were formed, and they are now dom
DC good work. Roburp Budget.