"My father was a clergyman before me; one of those simple-hearted men who think that to be good and kind is the first step towards doing God's work; but who are too modest, too ignorant, and sometimes too indolent to aspire to any second step, or even to inquire what the second step may be. The poor in his parish loved him and preyed upon him. He gave and gave, even after he had no more that he had a right to give. "He was not by any means a rich man, although he had a little property besides his benefice; but he managed to send me to Oxford. Inheriting, as I suspect, a little tendency to extravagance; having at least no love of money except for what it would bring; and seeing how easily money might be raised there for need true or false, I gradually learned to think less and less of the burdens grievous to be borne, which a subjection to Mammon will accumulate on the shoulders of the unsuspecting ass. I think the old man of the sea in _Sindbad the Sailor_, must personify debt. At least _I_ have found reason to think so. At the same time I wish I had done nothing worse than run into debt. Yet by far the greater part of it was incurred for the sake of having works of art about me. Of course pictures were out of the question; but good engravings and casts were within the reach of a borrower. At least it was not for the sake of whip-handles and trowsers, that I fell into the clutches of Moses Melchizedek, for that was the name of the devil to whom I betrayed my soul for money. Emulation, however, mingled with the love of art; and I must confess too, that cigars costs me money as well as pictures; and as I have already hinted, there was worse behind. But some things we can only speak to God about. "I shall never forget the oily face of the villain--may God save him, and then he'll be no villain!--as he first hinted that he would lend me any money I might want, upon certain insignificant conditions, such as signing for a hundred and fifty, where I should receive only a hundred. The sunrise of the future glowed so golden, that it seemed to me the easiest thing in the world to pay my debts _there_. Here, there was what I wanted, cigars and all. There, there must be gold, else whence the hue? I could pay all my debts in the future, with the utmost ease. _How_ was no matter. I borrowed and borrowed. I flattered myself, besides, that in the things I bought I held money's worth; which, in the main, would have been true, if I had been a dealer in such things; but a mere owner can seldom get the worth of what he possesses, especially when he cannot choose but sell, and has no choice of his market. So when, horrified at last with the filth of the refuge into which I had run to escape the bare walls of heaven, I sold off everything but a few of my pet books"--here he glanced lovingly round his humble study, where shone no glories of print or cast--"which I ought to have sold as well, I found myself still a thousand pounds in debt.