Samuel Smiles：Thrift, Excerpt 309

It will be obvious, from what has been said, that the practice of economy depends very much upon the facilities provided for the laying by of small sums of money. Let a convenient savings bank be provided, and deposits gradually flow into it. Let a military savings bank be established, and private soldiers contrive to save something out of their small pay. Let penny banks be opened, and crowds of depositors immediately present themselves; even the boys of the ragged schools being able to put into them considerable sums of money. It is the same with school banks, as we have seen from the example of the school-children of Ghent.

Source： https://www.gutenberg.org/ebooks/14418
Locator：Excerpt 309 · Verified：2026-10-19 · Verification：Short excerpt

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