"Your head is tougher than you think for," said Henry. "Just let me see what sum you are tryin'." His roommate handed him the books, and he read the following example: "John Smith borrowed $546.75 at 7 per cent., and repaid it at the end of two years, five months and six days. What amount was he required to pay?" "Can you do that?" asked Sam. "I think so; it isn't very hard." "I never could do it; it's too hard." "Oh, yes, you could, if you had gone over the earlier part of the arithmetic." "What's the use of it, any way?" "Don't you see it's business? If you are going to be a business man, you may need to understand interest. I shouldn't expect to be promoted if I didn't know something about arithmetic. I am only an errand boy, now, and don't need it." "I wish I knew as much as you. What else do you study?" "I practice writing every evening. Here is my writing-book." Henry drew out, from under the bed, a writing-book, which was more than half written through. He had evidently taken great pains to imitate the copy, and with fair success. Sam was quite impressed. "You can write as well as the teacher I went to up in the country," he said. "You can write, can't you, Sam?" "Not much. I haven't tried lately." "Everybody ought to know how to read, and write a decent hand." "I s'pose so," said Sam; "but there's a lot of work in it." He got into bed, and while he was watching Henry doing sums, he fell asleep. His roommate devoted an hour to arithmetic, and wrote a page in his copy-book. Then he, too, undressed, and went to bed. CHAPTER V. SAM'S FINANCES. Sam did not find it quite so pleasant being in a place as he had anticipated. He had been accustomed to roam about the streets subject only to his own control. Now he was no longer his own master. He must go and come at the will of his employer. To be sure, his earnings were greater than in his street life, and he had a regular home. He knew beforehand where he was going to sleep, and was tolerably sure of a meal. But before the end of the first week he got out of money. This was not strange, for he had begun without any reserve fund. On the third day he applied to Henry Martin for a loan. "If you don't lend me some stamps, I'll have to go without breakfast," he said. "When shall you get your first week's pay?" asked Henry. "Saturday night, the boss said, though I didn't go to work till Wednesday." "Then you need money for your meals today and to-morrow?" "Yes," said Sam. "I'll lend you a dollar if you'll be sure to pay me up to-morrow night." "I'll do it, sure." "There it is, then. Now, Sam, I want to give you a little advice." "What is it?" "To-morrow, after paying me and putting by enough to pay the rent of the room, you'll have two dollars and seventy-five cents left." "So I shall," said Sam, with satisfaction. "You mustn't forget that this has got to last you for meals for the next week." "How much is it a day?" "About forty cents."