“You spend a trifle at such times, of course?”
“Never more than half a dollar. I always limit myself to that, for I cannot forget that I am a poor journeyman mechanic.”
“Does your wife take a holiday, too?” asked the friend, with something significant in his look and tone.
“No,” was replied. “I often try to persuade her to do so; but she never thinks she can spare time. She has all the work to do, and three children to see after; and one of them, you know, is a baby.”
“Do you know that this day’s holiday once a month, costs you exactly twenty-two dollars a year?”
“No, certainly not, for it costs no such thing.”
“Well, let us see. Your wages per day come to one dollar thirty-three cents and one-third. This sum multiplied by twelve, the number of days lost in the year, gives sixteen dollars. Half a dollar spent a day for twelve days makes six dollars, and six dollars added to sixteen amount to twenty-two. Now, have I not calculated it fairly?”
“I believe you have,” replied Johnson, in an altered tone. “But I never could have believed it.”
“Add to this, thirteen dollars a year that you pay for oysters, and you have—”
“Not so fast, if you please. I spend no such sum as you name, in oysters.”
“Let us try our multiplication again,” coolly remarked the friend. “Twenty-five cents a week multiplied into fifty- two weeks, gives exactly thirteen dollars. Isn’t it so?”
“Humph! I believe you are right. But I never would have thought of it.”
“Add this thirteen dollars to the twenty-two it costs you for twelve holidays in the year, and this again to the price of your beer and tobacco, and you will have just sixty-one dollars a year that might be saved. A little more careful examination into your expenses, would, no doubt, detect the sum of fourteen dollars that might be as well saved as not, which added to the sixty-one dollars, will make seventy-five dollars a year uselessly spent, the exact sum I am able to put into the Savings’ Bank.”
Johnson was both surprised and mortified, at being thus convinced of actually spending nearly one-fifth of his entire earnings in self-gratification of one kind or another. He promised both himself and his friend, that he would at once reform matters, and try to get a little a-head, as he had a growing family that would soon be much more expensive than it was at present.
Some months afterward, the friend who had spoken so freely to Johnson, met him coming out of a tavern, and in the act of putting tobacco in his mouth. The latter looked a little confused, but said with as much indifference as he could assume:
“You see I am at my old tricks again?”
“Yes, and I am truly sorry for it. I was in hopes you were going to practice a thorough system of economy, in order to get beforehand.”
“I did try, but it’s no use. As to giving up tobacco, that is out of the question. I can’t do it. Nor could you, if you had ever formed the bad habit of chewing or smoking.”
“We can do almost any thing, if we try hard enough, Johnson. We fail, because we give up trying. My tobacco and cigars used to cost me just twice what yours cost you, and yet I made a resolution to abandon the use of the vile weed altogether, and what is better, have kept my resolution. So, you see, the thing can be done. All that is wanted, is sufficient firmness and perseverance. I used to like a glass of ale, too, and a plate of oysters, but I saw that the expense was rather a serious matter, and that the indulgence did not do me a particle of good. So I gave them up, also; and if you try hard enough, you can do it, too.”
“I don’t know—perhaps I might; but somehow or other, it strikes me that seventy or eighty dollars a year, laid by in the Savings’ Bank, is rather a dear saving, if made at the expense of every comfort a poor man has. What good is the money going to do?”
“A strange question, that, to ask, Johnson. I will tell you what good it is going to do me. I intend saving every cent I can possibly lay by, until I get five hundred dollars; and then I mean to set up my trade for myself, and become a master-workman. After that, I hope to get along a little faster, and be able to send my children, who will be pretty well advanced by the time, to better schools. I shall also be able, I hope, to get help for my wife, who will need assistance in the house.”
“All very well to talk about, but not so easily done,” replied Johnson.
“I don’t know. For every effect there is an adequate cause. The cause of all this will be the saving of seventy- five dollars a year. This I have been doing for three years, and I hope to be able to do it for three or four years longer. Then the desired effect, in a capital of five hundred dollars, upon which to commence business, will be produced. Is it not so?”
“Yes, I suppose it is. But it is one thing to commence business, and another thing to succeed in it. There are plenty of chances in favor of your losing every cent you have, and then being obliged to go back to journey-work, which will not be the most agreeable thing in the world. For my part, I would much rather enjoy what little I have as I go along, than stint and deny myself every thing comfortable for six or seven years, in order to set up business for myself, and then lose every dollar. It is not every man, I can tell you, who is fit to go into business, nor every man who can succeed, if he does. The fact is, there must be journeymen as well as master-workmen. As for me, I have no taste for going into business, and don’t believe I should succeed if I did set up for myself. I expect to work journey-work all my life, and might just as well take my comfort as I go along.”
“I shall not attempt to dispute what you say about some men being born to be journeymen, and others to be master-workmen,” replied the friend of Johnson, “for I am very well aware that the gifts of all are different; and that some men are so peculiarly constituted, that they would not succeed if they were to set up business for themselves. But the want of a business capacity, or inclination, is no reason at all why a journeyman mechanic should not save every cent he can.”
“What good will it do him? He is bound to be a poor worker all his life, and why should he deny himself the few comforts he has as he goes along, in order to lay by a hundred or two dollars?”
“I am surprised to hear you ask such a question, Johnson. But I will answer it by saying, that he should do it for the very reason that I save my money; that is, to enable him to educate his children well, to lighten his own and his wife’s toil, when they grow older, and to be able to obtain for his family more of the comforts of life than they now enjoy.”
