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