Samuel Smiles：Thrift, Excerpt 318

We have frequently alluded to Mr. Charles William Sikes in connection with Penny Banks and Post Office Savings Banks. His name must always hold a distinguished place in connection with those valuable institutions. He is the son of a private banker in Huddersfield. When at school he was presented, as a prize, with a copy of Dr. Franklin's Essays and Letters. He perused the book with avidity. It implanted in his mind the germs of many useful thoughts, and exercised a powerful influence in giving a practical character to his life. Huddersfield is a busy manufacturing town. Although workmen were well paid for their labour, there were many ups and downs in their business. When trade became slack, and they had spent all that they had earned, numbers of them were accustomed to apply for charity in the streets or by the wayside. Young Sikes often wondered whether these people had ever heard of Dr. Franklin, and of his method of avoiding beggary or bad times by saving their money when trade was brisk and they were well off.

Source： https://www.gutenberg.org/ebooks/14418
Locator：Excerpt 318 · Verified：2026-10-19 · Verification：Short excerpt

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