Year: 1867

Z


Bank be eSta blfshed here!


There are a great many institutions


calculated to benefit the public in gen.


eral and especially the working classes,


by investing the Savings of their hard


labor TO the best possible advantage. A


great deal more could be done here for


the working community by the Associa-


ton System called into life by the i'm.


mortal Golden in many places in Eng


land, and by other great men of pro-


gress in Germany, France, etc, with


such crowned success. l shall have


opportunity to speak about the latter


another time, should l find my idea


meets with appreciation. The idea Pm


going to speak about is not my own, ro,o


but having it suggested some time ago,


and not courage enough to make it


public here, was the more decided to


publish it when I leaned that it was


brought in operation in some transat-


lantic communities.


The system of Saving is blessing not


only for every body, but especially for


the poor and working man. Materially


it benefits him in finding himself with


in certain period possessed of small


capital, which he very likely could not


have obtained was it not for the Saving


Bank; but though this vital item can
not. be undeTrated, this is of far less


value than the moral benefit he is de-
irving from it. Everybody is aware


that money in pocket fights The devil himself


if / may say so; the mere knowledge of
possessing gives everybody confidence in
himself, self support, courage, self
esteem, ambition, in fact it makes him


feel independent, and as consequence


of all those admirable qualities, he be-


comes q good workman for his employ


er, an affectionate husband and good


father. Another big item which can.


not be sufficiently appreciated is, that


Saving makes honest. 4 thief is seldom


saving; it goes at its coming. The


honest man takes care of his hard


earnings, and he who is able to care of


his own likes the same to be practiced


by others, and as a natural consequence


such an idea as robbing others of
their property cannot enter his mind.


What more IS the great result of saving?


Well, it keeps the man away from bad
society, he rather enjoys the leisure
hours in company of his wife and chill
dren and gives them the bright exam
pie of steadiness. he keeps his body
from early ruin byssnot giving himself
up to excessive drinking. SdVing,
venture to say, is a better remedy to
keep the man from the glass ''than all
the Temperance Societies" But all
this is not the point Pm aiming at.
Why my friends not begin with the be-
ginning, why not look after the root
instead 10 the top? Why begin this
System of SaUing when grown up? Why,
/ ask, not begin the sdUing practice to
make it natural to everybody when a
youth, when a child? / see some of my
readers smiling, some oppose-how fool
ish, what does the child know of your
object of saving, and suppoSing it does
do 1t where is the use of it; besides
that very saving which you recommend
for children gives them opportunity
when without control, to hang TO bad
habits, in fact you just pave for the child
the road to vice-and how ridiculous
what does the rich man care about his
child's saving, what an idea 10 imagine
the poor man, scarcely sufficient to
make the living for the day, shall save
for his children, ETC., ETC., ad infnitum.
Yes friends, Pm prepared to hear such
and a great many more be-
fore / have done with this subject, but
hear me first, if you please, perhaps
you will agree with me after all


D The best plan to make child saUiHg
is to begin with the cradle; here the
guardians have to take care of the
helpless babe, and have at the same
time to take charge and govern the
private treasury of the future citizen,
of course if there is anyl, until it's old
enough to enter the schoolroom. It's
customary in great many families TO
increase Bulbs pleasure by keeping
him saving box" Careless parents
spoil the child by giving him free
access to the box, and very frequently
is the saving box of the poor mans
child emptied in want of other means
to provide for bread. Both kind of
saving boxes 1 don't like and don't
choose to adopt. How would it be, to
turn the plaything, the private saving
box, into a public saving-box (called
ONSt.J AOAtAs IL SOunuS NV
would it be if neither parents nor chill
dren have charge of the savingsf Sup
posing we propose the school-master,
the next guardian to parents, as keeper
of every child's saving-box? And here
| say, as soon as the child enters the
with that very moment
the self-acting of saving shall begin to be
putting it down as a part of
the education-6y handing on certain
day of euery a0eek his deposit, say or 10
cents to the teacher, and putting ths figure of
the deposit himself IN small blank book, no
matter hOa0 badly '0ritten Il may be. This
way of depositing is not. ard cannot be
forced, in the contrary it must be the
child's own free will, and sure to be the
case, seeing it done by schoolmates,
encouraged and recommended by the
schoolmaster, and at last the child
would not part with his little book at
which he is lookingwith so much pride
and pleasure. Nothing else is wanting
but to make the parents clear and un
derstood, that the or 10 cents given
to the child every week are not only a
safe and profitable investment, as far as
the money concerns, but to convince |
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