These most useful and excellent establishments are to be found in every district, and offer, to provident and well-disposed servants, a means of depositing small sums, in perfect safety, for the purpose of accumulating with interest, to be resorted to in case of illness,—any unforeseen occurrence,—or for the purpose of establishing themselves in some way of business that may make them comfortable to the end of their days. Indeed, the advantages of savings-banks are become so well known, that almost every one can appreciate the result of _small savings_ and prudent foresight. It is an axiom universally admitted, that he who rests his expectations more on his own care and diligence, than on the aid of others, will escape many wants and disappointments, and enjoy many gratifications, which those who are not possessed of this happy spirit of prudence and independence, can never hope to attain; and we may add, that the sufferings of those in poverty and distress have been but too frequently increased, by the recollection that they might have been averted or decreased by proper attention. The encouragement which these depositories hold out to young persons for the safe deposit of _trifling_ sums, (even so low as a shilling,) is not unfrequently attended with the salutary effect of inducing a perseverance in saving, and of stimulating to habits of industry and frugality that lead to the happiest results. Those who adopt this plan, soon begin to feel their independence; and this feeling once acquired, the most pleasing consequences inevitably follow; for he who labours for his daily bread, and has _learnt to live within his income_, has learnt the _art of independence_; and he that is _above want_, though _but a little_, looks upon every fellow subject for his equal: indeed, so advantageous is an early habit in the art of _saving_, that no patrimony can be equal to it, and it will generally be found, that he who is sagacious enough to save a fortune, will enjoy it infinitely better than he who inherits it by patrimony, or has one given to him. Every savings-bank has its appointed days and hours for transacting business, at which times, a committee of trustees and managers attend to pay and receive monies. Among other advantages which these banks give, they admit of the deposits and interest being taken out at a very short notice, at any time, by the depositers themselves, or by his or her executors, administrators, or other lawful claimants. Printed particulars of the specific terms and regulations, may be had _gratis_, at the respective offices. The following is a sketch of the way in which _money is made by saving_, according to the terms of many savings-banks, established in and near the metropolis; and there are some (the Southwark, Limehouse, and others,) that give interest at the rate of a halfpenny per calendar month for every twelve shillings deposited, which is upwards of four per cent. per annum.