Sikes--Mechanics' institute banks--The poor man's purse--Depositors in
penny banks--They cultivate prudent habits--Influence of women--Early
lessons in thrift--Belgian Schools--Facilities for saving--Extension of
savings banks--Money order offices--Post office savings banks--Charles
W. Sikes--Lessons of thrift--Mechanics' savings banks--Savings of
artizans--Savings in Preston. Pages 123--158
CHAPTER IX.
LITTLE THINGS.
Luck and labour--Neglect of little things--"It will do!"--Spending of
pennies--The thrifty woman--A helpful wife--A man's daily life--The two
workmen--Rights and habits--Influence of the wife--A penny a day--The
power of a penny--Joseph Baxendale--Pickford and Co.--Roads and
Railways--Business maxims. Pages 159--178
CHAPTER X.
MASTERS AND MEN.
Want of sympathy--Masters and servants--Christian
sympathy--Competition--What capital represents--Workmen and
employers--The Ashworths--New Eagley Mills--Improved workpeople--Public
spirit of manufacturers--Mr. Lister of Bradford--Mr. Foster's
speech--Great men wise savers--Sir Titus Salt--Saltaire--Its
institutions--Music and sobriety--Mr. Akroyd, Halifax--Yorkshire penny
bank--Origin of the bank--How to help the poor--Saving helps
sobriety--Drunkenness put down--"Childish work"--Penny banks. Pages
179--204
CHAPTER XI.
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