INDEX.

ABERDARE, Lord, on loss by strikes Advancement of self is advancement of society Aiton, Dr., an example of thrift Akroyd, Edward, founds Provident Society and Penny Savings Bank and his workpeople and Penny Banks Ambition, use of Amusement, meaning and use of Arithmetic, necessary for domestic economy Ashburton, Lord, on home economy Ashworth, Messrs., and their workpeople Author's mother, an example of thrift Avarice, differs from economy

BACON, on limits of economy his improvidence Bargain-buying, bad economy of Baxendale, Joseph on punctuality and Pickford and Co. and railways his maxims Bewick, the engraver Bilston Savings Bank Brassey. T., on English work-men Brewster, D., on education Briggs and Son, and co-operation Bright, John, on the wages of the working classes Brutus, and usury Buchan, Earl of, an example of thrift Building Societies at Birmingham at Leeds at Padiham at Burnley Burnley, Building Society at Burns, and debt Byron, and debt

CAMPBELL, Dr., the missionary Canova, humble origin of Capital, the result of industry and thrift advantage of, to workmen employed Carlyle, T., on manufacturers his letter to Whitworth on public charities Carrington, Lord, and Pitt Cato, the elder, and usury Chadwick, Edwin, sketch of his life his Sanitary Idea and Poor Law Inquiry and the Sanitary Movement and General Board of Health on thriftlessness Chantrey, F. Charities, public Christianity, its establishment Civilization, and thrift slow progress of and healthy homes Class, exclusiveness of Cleanliness, must be taught Cobbett, W., on Savings Banks Cobden, R., on self-help Cold, the parent of frugality Comfort, and the art of living Competition, use of Cooking, good and bad Co-operation, the secret of social development and the middle classes and working classes Fishery tin-mining at Hull at Leeds at Rochdale at Over Darwen at Northampton at Padiham, Manchester, Birmingham, Leeds and life assurance and friendly societies and factories Corbett, J., on ignorance of domestic economy Crallan, and lessons on thrift Crossley, Francis, and Halifax Park Crossley, John, sketch of his life his wife his work

DANTZIC, Duke of Davis, John, on debt Debt, evils of sympathy with and great men Debtors, celebrated, Bacon, Pitt Melville, Fox Sheridan De Retz, Mirabeau, Lamartine, Webster Hunter, Vandyck Hayden Cowper, Marlowe, Greene, Peele Lovelace, Butler, Wycherley, Fielding, Savage Chatterton Steele Goldsmith Byron Foote De Foe Scott Deeds, not words Denison, Edward, on providence on London poor on thrift on thrift in Guernsey Derby, Lord, on progress Derby Penny Bank De Retz, Cardinal Dirt, a degradation Dolland, industry of Donne, Dr., his charity and thrift Donough, J., tombstone of Dress, extravagance in Drill, the magic of Drink, money spent on the Great Sin and unhealthy homes Duncan, H., and Savings Banks

ECONOMY, see Thrift Education, power of is capital advantage of in Germany Elcho, Lord, on miners' wages Elegance at home Elliot, Sir G., and miners England, one hundred years ago English charities English workmanship Englishmen, industry and improvidence of Extravagance, prevalence of

FAILURE, self-sought Farnham Penny Bank Fast living, tendency to Felkin, on workmen's savings Ferguson Charity, the Ferguson, the astronomer Flaxman, the sculptor Flowers, use of Foote, and debt Forster, W.E., on Lister Fox, Head, and Co., and cooperation Fox, C.J., and debt Franklin, B., on thrift of time on self-imposed taxes his industry Friendly societies defects of working of objections to improvement of Funerals, extravagance of

GENEROSITY, and economy Girard Charity, the Ghent, School Bank at Gibbon, on Fox Goethe, on individualism Goldsmith, O., and debt Good manners, art of among working classes Good taste, economy of and comfort Grey, Margaretta, on occupation of ladies Greenock Penny Bank Greg, W.B., on savings of working classes Gregory, O., on self-taught working men Griffiths, on pursuit of money Grundy, Mrs., fear of Guizot, on English Charities Guy's Hospital

HALIFAX PENNY BANK Happiness in old age Health, pleasures of, 315; injuries to. 316-7 Heriot's Hospital, 309 Herschel, his industry. 77 Hill, Rowland, and Savings Banks, 149-50 Hogarth. 80 Home and civilization. 321; and children. 322; ignorance concerning, 323-4; reform, 340-1 Huddersfield Savings Bank, 154 Hull Anti-Mill Society, 102 Hume, H., and thrift, 68 Hume, J., on tone of living, 17 Hunter, J., and debt, 269 Hutton, Dr., 73

IDLENESS, wretchedness of, 6 Ignorance is power, 57-9 Improvidence, see Thriftlessness Inchbald, Mrs., on thrift, 65 Incomes of the working classes, 41-9 Independence of a good mechanic, 50 Individualism, 72-3 Industry, see Labour

JOHNSON, S., on economy, 19; on poverty, 20; on Savage, 272; his poverty, 282-3; on debt, 283 Jonson, B., and poverty, 271

KEPLER, and poverty, 268 Knowledge, acquired by labour, 6

LABOUR, leads to wealth, 2; is never lost, 3; a necessity and pleasure, 4; St. Paul on, 6; gives knowledge, 6; and progress, 7; of English workmen, 36; and thrift, 96, 184; makes the man, 160 Laing, S., on good manners in France, 368 Lamartine and debt, 267 Lancaster, J., and Sunday schools Land and Building Societies Leeds, Industrial Society Permanent Building Society Life assurance, advantages of working of at a penny a day Life, uncertainty of Lister, of Bradford Little things, importance of Living, art of Loan Societies Lough, the sculptor, sketch of his life Luck, means good management does not make men Lytton, Lord, on money on public charities

MACAULAY, on Pit Macdonald, A. Manchester, Bishop of, on agricultural labourers Manchester Co-operative Bank Unity of Odd Fellows Marlborough, Duke of, his penuriousness Marriage, responsibility of makes economy a duty imprudent Masters, influence of want of sympathy between men and Means, living beyond Mechanics' Institutes Melville, Lord, and debt Method, a masculine quality value of Middle class, co-operation among Mill, J.S., on combination on dollar-hunters Miller, Hugh, on thrift his industry Milton, J., and poverty Mirabeau, and debt Misery, caused by greed and improvidence of the man of nothing but money Money, represents independence mistake as to power of worship of accumulation of dissipated by the third generation Montaigne, on debt Mortality, laws of Moses, a sanitary reformer

NAPIER, C., on debt Nasmyth, J., sketch of his life his active leisure National prosperity is not real prosperity Navvy's Home, a failure Newman, on debt Nightingale, F., and soldiers' savings No, ability to say Nobody to blame Norris, on miners Northampton Co-operative Society

ORDER Overcrowding Over Darwen Co-operative Society

PADIH AM, Co-operative Cotton-mill Building Society Pastoral life, a myth Peabody benefaction, the Penny a day, power of a Penny Bank, Akroyd's at Greenock at Halifax at Glasgow at Farnham Pennies, taking care of the Physiology, should be taught Pickford and Co., see Baxendale Pictures, use of Pitt, and debt Post Office Savings Banks Pounds, John, and Ragged Schools Poverty, not a disgrace sharpens wits the skeleton in the closet Preston Savings Bank Primogeniture, Right of, causes struggle for wealth Prodigality, see Thriftlessness Progress and labour of individuals and nations Prosperity, leads to greater expenditure Punctuality, Baxendale on a household quality

QUECKETT,on Penny Banks Quentin Matsys, industry of

RAGGED SCHOOLS and Penny Banks foundation of Ramsay, Allan Ready-money transactions Reform of Number One of home Republican millionaires Respectability, abuse of Rich man, the troubles of the Richardson, S. Rochdale, co-operative corn-mill Equitable Pioneers Society Roebuck, J.A., on the working classes Rural districts, unwholesome condition of ignorance in Russell, Lord, on self-imposed taxes Ruthven Savings Bank

SALADIN, on wealth Salamanca, Jose de, on love of gold Salt, T., sketch of his life founds Saltaire and his workpeople Saltaire Sanitary science Savings Banks the first at Ruthven used by domestic servants used most where wages are lowest used by soldiers military at Bilston Penny school increase of Post Office statistics of Savings, see Thrift Scholarship in the School of Mines Scotch charities Scott, W., and debt Self-help, means self-respect Sharp, W. Sheridan, and debt Sikes. C.W., on thriftlessness on Savings Banks and Post Office Savings Banks sketch of his life Slavery, in Britain in England in Scotland Smith, Joseph, starts a Savings Bank Smith, Sydney, and poverty Society, living up to higher Socrates, on thrift Southey, his industry Spinoza, and poverty Steele, R., and debt Steen, Jan, and debt Stephenson, George Sterne, and poverty Stone, on public charities Strikes, losses by, 47, 98-100 Sully, Duke of, on economy, 93 Sympathy between masters and men, want of, 180-83

Tact, want of, 95 Tassie, sculptor, 80 Taxes, self-imposed, 39 Taylor, J., on reputation of man of money, 294 Thrift, origin and definition of, 1; an acquired principle, 8; gives Capital, 10; is within reach of all, 11-3; of time, 12; needs common sense. 13; needs a beginning, 14; is a duty, 14; in youth, 18; is practical, 19; dignity of, 20; in Guernsey, 35; object of, 65; is Order, 66; of upper classes, 67; rules for, 89; limits of, 90; is a dignity and satisfaction, 93; is conservative, 107-8; and building societies, 109; of Frenchmen and Belgians, 115; of private soldiers, 133-5; lessons in, 145-6; of great generals, 192; of French workmen, 231-2; leads to Charity, 286 Thriftlessness, of savages, 2; of nations, 9; of individuals, 10; selfishness of, 14; dependence of, 16; cruelty of, 17,112; in prosperous times, 26, 30; of English workmen, 36-7, 41-57, 91, 139 Tottenham Savings Bank, 127 Trades Unions, 99-100 Typhus, a preventible disease, 335

UNCIVILIZED condition of the poor, 32

VENTILATION

WAGES of working classes Wakefield, P., and Savings Banks Walker, Robert Walpole, Horace, on bargains Walter, J., on pride in work Washington, G., and slaves Waterlow, S. Watt, James Wealth, by labour and poverty Wellington, Duke of, on military Savings Banks Wesley J., his account-keeping Whitworth, J., and co-operation Winckelmann Woman, influence of Women, require to be taught physiology domestic economy arithmetic cooking Working-men, definition of thriftlessness of wages of extravagance of want of self-respect among neglect opportunities want knowledge co-operation among strikes among their ability to save do not much use the Savings Banks Wycherley, and debt