Samuel Smiles：Thrift, Excerpt 324

In 1850, Savings Banks were only open a very few hours in each week. In Huddersfield, where more than £400,000 a year was paid in wages, the savings bank, after having been established over thirty years, had only accumulated £74,332. In 1850, Mr. Sikes addressed an anonymous letter to the editors of the _Leeds Mercury_, to which, by their request, he afterwards attached his name. In that letter he recommended the formation of Penny Savings Banks in connection with Mechanics' and similar institutes. In simple words, but with many telling facts, he showed how the young men and the young women of the working classes were growing up deprived of almost every opportunity of forming habits of thrift, and of becoming depositors in savings hanks.

Source： https://www.gutenberg.org/ebooks/14418
Locator：Excerpt 324 · Verified：2026-10-19 · Verification：Short excerpt

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