投资 · 创业者自述

塞缪尔·斯迈尔斯:节俭·摘录 427

塞缪尔·斯迈尔斯《节俭》· Thrift · 投资

Another actuary says: "A drunken father being shamed out of his drunkenness by the deposits of his children, now deposits half-a-crown a week in the bank. A notoriously bad man, a collier, became a regular depositor himself, as well as depositing money in the name of his child; all his spare money having previously been spent in drink. From the date of his beginning to save, a perceptible improvement took place in his conduct and character. In another case, two boys prevailed upon their father, also a collier, to allow them to deposit a shilling a week, until they had saved sufficient to buy themselves each a suit of new clothes. Before then, all their father's earnings, as well as their own, had been spent in drink."

出处: https://www.gutenberg.org/ebooks/14418
定位:Excerpt 427 · 核对日期:2026-10-19 · 核验:短摘录

白话

孩子存钱竟能逼父亲戒酒:一位精算师说,有个酒鬼父亲因为孩子往银行存钱而羞愧,自己也开始每周存半克朗。另一个矿工原本把钱全花在酒上,后来自己和孩子都定期存款,行为性格明显变好。还有两个男孩劝父亲允许他们每周存一先令,直到攒够买新衣服,而此前父子挣的钱都喝了酒。可见储蓄不只是攒钱,还能改变人的习惯和尊严:让存钱变成全家参与的小仪式,用具体目标(如买衣、建房)替代喝酒的即时满足,比单纯说教更有效。

上下文

塞缪尔·斯迈尔斯《节俭》一书中的案例,19世纪英国工人阶层酗酒成风,储蓄银行和建筑协会正兴起。

今日一问

你或家人有没有一个具体的小储蓄目标,可以替代某项日常浪费性开销?

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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