difficulties were not the result of Baltimore prices, but of her own mismanagement. Franklin advises his friends to "take care of the pence, and the pounds will take care of themselves:" but this rule is by no means infallible. Perhaps there is no species of extravagance more common, than that often practised by well-disposed people, which consists of being "penny-wise, pound-foolish;" they will save a hundred cents on as many different occasions, and throw away twenty dollars on one object. It happens that such persons often succeed in persuading themselves that they are models of prudence, and self-denial. Such was Mrs. George Wyllys's plan; and, unfortunately, she not only brought trouble on herself, but was a constant source of anxiety to her father-in-law, who endeavoured, in vain, to counteract the evil; but every succeeding year brought a repetition of the difficulties of the former. {"Franklin" = Benjamin Franklin (1706-1790), but the expression is usually attributed to Lord Chesterfield (1674-1773); "penny wise, pound foolish" = phrase originated by Robert Burton (1577-1640)} At present, Mrs. Wyllys was bent upon economy in a cottage, with new furniture, purchased at a high price, at New York auctions; and it was in vain to oppose her plan, so convinced was she, that duty alone could have induced her to leave her own family and old friends in Baltimore. "We must make the best of it, Agnes," said Mr. Wyllys, "it will be pleasant, at least, to have Harriet and her little people near us--and we may be of use to the children." Miss Agnes agreed to the first part of her father's remark, but was far from feeling sanguine as to their being of any advantage to the children. It was a part of Mrs. Wyllys's system, to consult her friends far more frequently than was necessary, upon the education of her family, at the same time that it also entered into her plan to follow their advice very seldom indeed. As for Elinor, she was very well pleased with her aunt's arrival in the neighbourhood; of course, she was too young and inexperienced to know the exact state of matters, and she was attached to Mrs. Wyllys, and fond of her little cousins. One afternoon, Mrs. Wyllys had persuaded Miss Agnes and Elinor to drink tea with her, and not return home until the evening. The ladies were sitting together, in Mrs. Wyllys's pleasant little parlour, engaged with their needles, while the children were playing under the windows, in the shady door-yard. "Shall I put the bow on the right or left side, Elinor?" asked Mrs. Wyllys, who was re-trimming a hat for one of her little girls. "It looks very well as you have it now, Aunt;" replied her niece. "Perhaps it does; there is a stain, however, on the other side, which must be covered," replied the lady, changing the bow. "This riband was very cheap, Agnes," she added, showing it to her sister-in-law. "Only twenty cents a yard. I bought the whole piece, although I shall not want it until next spring."