投资 · 创业者自述
塞缪尔·斯迈尔斯：节俭·摘录 309
塞缪尔·斯迈尔斯《节俭》· Thrift · 投资
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.
出处：
https://www.gutenberg.org/ebooks/14418
定位：Excerpt 309 · 核对日期：2026-10-19 · 核验：短摘录
白话
节俭能不能做到，很大程度上看有没有方便存小钱的地方。只要设一个便利的储蓄银行，存款就会慢慢进来；军队设储蓄银行，士兵也能从微薄军饷里省下钱；开便士银行，马上就有大批储户，连贫民学校的男孩都能存下不少。根特学校的孩子就是例子。这说明，人不是不想存，而是缺少方便、低门槛的渠道。把存钱变得像买东西一样容易，节俭自然就流行了。
上下文
斯迈尔斯《节俭》中举比利时根特学校等例子，说明储蓄设施对培养节俭的作用。
今日一问
你现在的存钱方式方便吗？如果有一个随手存零钱的工具，你会用吗？
公版作品；原文逐字取自 Project Gutenberg，仅摘录段落并附全书链接。
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