Sally, we can be certain that they are well cared for," replied Andy.

"O, dear! I can never undertake the management of three children!" said Mrs. Lovell, her countenance expressing the painful reluctance she felt.

Andy turned partly away from his wife, and bent over the cutting-board. She saw, as he did so, an expression of countenance that rebuked her.

"A matter like this should be well considered," remarked Mrs. Lovell.

"That's true," answered her husband. "So take your time. They're your flesh and blood, you know, and if they come here, you'll have the largest share of trouble with them."

Mrs. Lovell went back into the house to think alone, while Andy commenced cutting out work, his hands moving with the springs of a readier will than had acted through them for a long time.

It took Mrs. Lovell three or four days to make up her mind to send for the children, but the right decision came at last. All this while Andy was busy in his shop—cheerfully at work, and treating the customers, who, hearing that he had changed his mind, were pressing in upon him with their orders, much after the pleasant fashion in which he had treated them in years gone by. He knew that his wife would send for the children; and after their arrival, he knew that he would have increased expenses. So, there had come a spur to action, quickening the blood in his veins; and he was at work once more, with heart and purpose, a happier man, really, than he had been for years.

Two or three weeks passed, and then the long silent dwelling of Andy Lovell was filled with the voices of children. Two or three years have passed since then. How is it with Andy? There is not a more cheerful man in all the village, though he is in his shop early and late. No more complaints from customers. Every one is promptly and cheerfully served. He has the largest run of work, as of old; and his income is sufficient not only to meet increased expenses, but to leave a surplus at the end of every year. He is the bright, sharp knife, always in use; not the idle blade, which had so narrowly escaped, falling from the window, rusting to utter worthlessness in the dew and rain.

IV.

A MYSTERY EXPLAINED.

"GOING to the Falls and to the White Mountains!"

"Yes, I'm off next week."

"How long will you be absent?"

"From ten days to two weeks."

"What will it cost?"

"I shall take a hundred dollars in my pocket-book! That will carry me through."

"A hundred dollars! Where did you raise that sum? Who's the lender? Tell him he can have another customer."

"I never borrow."

"Indeed! Then you've had a legacy."

"No, and never expect to have one. All my relations are poor."

"Then unravel the mystery. Say where the hundred dollars came from."

"The answer is easy. I saved it from my salary."

"What?"

"I saved it during the last six months for just this purpose, and now I am to have two weeks of pleasure and profit combined."

"Impossible!"

"I have given you the fact."

"What is your salary, pray?"

"Six hundred a year."

"So I thought. But you don't mean to say that in six months you have saved one hundred dollars out of three hundred?"

"Yes; that is just what I mean to say."

"Preposterous. I get six hundred, and am in debt."

"No wonder."

"Why no wonder?"

"If a man spends more than he receives, he will fall in debt."

"Of course he will. But on a salary of six hundred, how is it possible for a man to keep out of debt?"

"By spending less than he receives."

"That is easily said."

"And as easily done. All that is wanted is prudent forethought, integrity of purpose, and self-denial. He must take care of the pennies, and the pounds will take care of themselves."

"Trite and obsolete."

"True if trite; and never obsolete. It is as good doctrine to-day as it was in poor Richard's time. Of that I can bear witness."

"I could never be a miser or a skinflint."

"Nor I. But I can refuse to waste my money in unconsidered trifles, and so keep it for more important things; for a trip to Niagara and the White Mountains, for instance."

The two young men who thus talked were clerks, each receiving the salary already mentioned—six hundred dollars. One of them, named Hamilton, understood the use of money; the other, named Hoffman, practised the abuse of this important article. The consequence was, that while Hamilton had a hundred dollars saved for a trip during his summer vacation, Hoffman was in debt for more than two or three times that amount.

The incredulous surprise expressed by Hoffman was sincere. He could not understand the strange fact which had been announced. For an instant it crossed his mind that Hamilton might only have advanced his seeming impossible economy as a cover to dishonest practices. But he pushed the thought away as wrong.

"Not much room for waste of money on a salary of six hundred a year," answered Hoffman.

"There is always room for waste," said Hamilton. "A leak is a leak, be it ever so small. The quart flagon will as surely waste its precious contents through a fracture that loses only a drop at a time, as the butt from which a constant stream is pouring. The fact is, as things are in our day, whether flagon or butt, leakage is the rule not the exception."

"I should like to know where the leak in my flagon is to be found," said Hoffman. "I think it would puzzle a finance committee to discover it."

"Shall I unravel for you the mystery?"

"You unravel it! What do you know of my affairs?"

"I have eyes."

"Do I waste my money?"

"Yes, if you have not saved as much as I have during the last six months; and yes, if my eyes have given a true report."

"What have your eyes reported?"

"A system of waste, in trifles, that does not add anything substantial to your happiness and certainly lays the foundation for a vast amount of disquietude, and almost certain embarrassment in money affairs, and consequent humiliations."

Hoffman shook his head gravely answering, "I can't see it."

"Would you like to see it?"

"O, certainly, if it exists."

"Well, suppose we go down into the matter of expenditures, item by item, and make some use of the common rules of arithmetic as we go along. Your salary, to start with, is six hundred dollars, and you play the same as I do for boarding and washing, that is, four and a half dollars per week, which gives the sum of two hundred and thirty-four dollars a year. What do your clothes cost?"

"A hundred and fifty dollars will cover everything!"

"Then you have two hundred and sixteen dollars left. What becomes of that large sum?"

Hoffman dropped his eyes and went to thinking. Yes, what had become of these two hundred and sixteen dollars? Here was the whole thing in a nutshell.

"Cigars," said Hamilton. "How many do you use in a day?"

"Not over three. But these are a part of considered expenses. I am not going to do without cigars."

"I am only getting down to the items," answered the friend. "We must find out where the money goes. Three cigars a day, and, on an average, one to a friend, which makes four."

"Very well, say four."

"At six cents apiece."

Hamilton took a slip of paper and made a few figures.

"Four cigars a day at six cents each, cost twenty-four cents. Three hundred and sixty-five by twenty-four gives eighty-seven dollars and sixty cents, as the cost of your cigars for a year."

"O, no! That is impossible," returned Hoffman, quickly.

"There is the calculation. Look at it for yourself," replied Hamilton, offering the slip of paper.

"True as I live!" ejaculated the other, in unfeigned surprise. "I never dreamed of such a thing. Eighty-seven dollars. That will never do in the world. I must cut this down."

"A