On the other hand, if he take care of the pennies--putting some weekly
into a benefit society or an insurance fund, others into a savings bank,
and confides the rest to his wife to be carefully laid out, with a view
to the comfortable maintenance and culture of his family,--he will soon
find that his attention to small matters will abundantly repay him, in
increasing means, in comfort at home, and in a mind comparatively free
from fears as to the future.
All savings are made up of little things. "Many a little makes a
mickle." Many a penny makes a pound. A penny saved is the seed of pounds
saved. And pounds saved mean comfort, plenty, wealth, and independence.
But the penny must be earned honestly. It is said that a penny earned
honestly is better than a shilling given. A Scotch proverb says, "The
gear that is gifted is never sae sweet as the gear that is won." What
though the penny be black? "The smith and his penny are both black." But
the penny earned by the smith is an honest one.
If a man does not know how to save his pennies or his pounds, his nose
will always be kept to the grindstone. Want may come upon him any day,
"like an armed man." Careful saving acts like magic: once begun, it
grows into habit. It gives a man a feeling of satisfaction, of strength,
of security. The pennies he has put aside in his savings box, or in the
savings bank, give him an assurance of comfort in sickness, or of rest
in old age.
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