You will say that it amounts to the same thing. That if that money is put into the bank, all these little pinching economies will have to be borne as a consequence. That is logical, but only to a certain extent true in practice. In one case, that of the definite amount put away monthly, the money is saved because it is not there to spend; in the other case, it is there, but is saved with the thought of saving. The latter method means going without everything that possibly can be gone without. It is the method by which one fills a Lenten mitebox--it is disciplinary, that is, it is meant to hurt a little, and it does. People do not keep Lent all the year, however; it is an especial season for an especial purpose. At some time of serious difficulty in household affairs, it may become necessary to save in this Lenten way, but the usual, regular sort of saving, which is a duty for life with most of us, should be done as far as possible by a decision once carefully made, and afterward automatically carried out. I wish I could in some way show the pleasant side of the matter of savings. There is much comfort and gladness in the possession of a small reserve fund. The mere sight of the big, ugly Savings Bank which contains it can give new courage. We look up at the building in passing and know we have there the chance to start again if we are not succeeding; a holiday if we very much need one; weeks to recover in if we are ill; protection from dependence upon other people; the power to keep some one we love from suffering; and the joy of sometimes giving a gift. * * * * * And now, a word more on the subject of choices. In a little town I know, there live two old women. One will not go to prayer meeting because she cannot afford to put five cents into the collection basket; the other goes every week and contributes one bright penny. She devoutly brightens it on a piece of old carpet before she starts. As it is such a little gift, it must be made as fair as possible. There is a stern business principle in the whole of life. It is that law of choice of which we spoke at first. If we have a thing, we must in some way pay for it, we cannot have the thing and its price too. We pay in various commodities: in work, in money, in time, in ability, in thoughtfulness, in suffering; but in some way we pay. It is not a harsh and ungenerous law; it is to be rejoiced in. God meant us to be self-supporting, not objects of charity.