Under their guidance, household purchases could be made on
the most favourable terms--_for cash;_ any wished-for house taken at the
lowest rent _for punctual payment_; and the home enriched with comforts
until it is enjoyed and prized by all. From such firesides go forth
those inheriting the right spirit,--loving industry, loving thrift, and
loving home. Emulous of a good example, they in their day and generation
would nobly endeavour to lay by a portion of their income. Many a hard
winter and many a slack time would be comfortably got over by drawing on
the little fund, to be again replenished in better days. And if the plan
were adopted, remembering that it would virtually bring the Savings Bank
within less than an hour's walk of the fireside of every working man in
the United Kingdom, I trust that it is not taking too sanguine a view to
anticipate that it would render aid in ultimately winning over the rank
and file of the industrial classes of the kingdom to those habits of
forethought and self-denial which bring enduring reward to the
individual, and materially add to the safety of the State."
The working classes have not yet, however, taken full advantage of the
facilities for saving afforded them by the Post Office Savings Banks.
Take Birmingham for instance, where the artizans are among the best-paid
workmen of the town.
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