If only they can be persuaded to act upon it they will find it an unspeakable relief from anxiety, and the present volume will not have been penned in vain. Genteel ignorance of pecuniary difficulties is conspicuous in the case of amusements. It is supposed, if you are inclined to amuse yourself in a certain limited way, that you are stupid for not doing it on a much more expensive scale. Charles Lever wrote a charming paper for one of the early numbers of the "Cornhill Magazine," in which he gave an account of the dangers and difficulties he had encountered in riding and boating, simply because he had set limits to his expenditure on those pastimes, an economy that seemed unaccountably foolish to his genteel acquaintances. "Lever will ride such screws! Why won't he give a proper price for a horse? It's the stupidest thing in the world to be under-horsed; and bad economy besides." These remarks, Lever said, were not sarcasms on his skill or sneers at his horsemanship, but they were far worse, they were harsh judgments on himself expressed in a manner that made reply impossible. So with his boating. Lever had a passion for boating, for that real boating which is perfectly distinct from yachting and incomparably less costly; but richer acquaintances insisted on the superior advantages of the more expensive amusement. "These cockle-shells, sir, must go over; they have no bearings, they lee over, and there you are,--you fill and go down. Have a good decked boat,--I should say five-and-thirty or forty tons; _get a clever skipper and a lively crew_." Is not this exactly like the lady who thought people stupid for not having an adequate establishment of servants?