Samuel Smiles：Thrift, Excerpt 350

"Yes! there's this in it,--that it has made you ask me the question, how I manage to keep my family so comfortably, and put money in the Penny Bank, while you, with the same wages, can barely make the ends meet. Money is independence, and money is made by putting pennies together. Besides, I work so hard for mine,--and so do you,--that I can't find it in my heart to waste a penny on drink, when I can put it beside a few other hard-earned pennies in the bank. It's something for a sore foot or a rainy day. There's that in it, Jack; and there's comfort also in the thought that, whatever may happen to me, I needn't beg nor go to the workhouse. The saving of the penny makes me feel a free man. The man always in debt, or without a penny beforehand, is little better than a slave."

Source： https://www.gutenberg.org/ebooks/14418
Locator：Excerpt 350 · Verified：2026-10-19 · Verification：Short excerpt

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