Spirit of order--Examples of economy--David Hume--Rev. Robert Walker--Self-application--Distinguished miners--Geo. Stephenson--James Watt--Working for independence--Working for higher things--Work and culture--Richardson and Gregory--Results of application--Distinguished artists--Canova and Lough--John Lough--Lough's success--Words of Lord Derby--James Nasmyth--Bridgewater foundry--Advice to young men. Pages 65--88 CHAPTER VI. METHODS OF ECONOMY. Keeping regular account--Generosity and forethought--Prudent economy--A dignity in saving--Self-improvement--Causes of failure--The price of success--Power of combining--Principle of association--Savings of capital--Loss by strikes--Money thrown away--Industrial societies--Co-operative companies--Equitable pioneers--Darwen co-operatives--Spread of co-operation--Thrift conservative--Uses of investments in building societies. Pages 89--109 CHAPTER VII. ECONOMY IN LIFE ASSURANCE. Co-operation in assurance--Improvidence cruel--Compensation of assurance--Benefit societies--French and Belgian thrift--Workmen's societies--Manchester Unity--Duty and Dinners--Low rates of contribution--Failure of friendly societies--Improvement by experience--Defects will disappear. Pages 110--122 CHAPTER VIII. SAVINGS BANKS. Direct saving--Uses of saved money--Beginnings of savings banks--Dr. Duncan of Ruthwell--Establishment of savings banks--Classes of Depositors--Magic of drill--Military savings banks--Savings of soldiers--Soldiers abroad--Deposits in savings banks--Savings at Bilston--Savings of working men--Penny banks--Charles W. Sikes--Mechanics' institute banks--The poor man's purse--Depositors in penny banks--They cultivate prudent habits--Influence of women--Early lessons in thrift--Belgian Schools--Facilities for saving--Extension of savings banks--Money order offices--Post office savings banks--Charles W. Sikes--Lessons of thrift--Mechanics' savings banks--Savings of artizans--Savings in Preston. Pages 123--158 CHAPTER IX. LITTLE THINGS. Luck and labour--Neglect of little things--"It will do!"--Spending of pennies--The thrifty woman--A helpful wife--A man's daily life--The two workmen--Rights and habits--Influence of the wife--A penny a day--The power of a penny--Joseph Baxendale--Pickford and Co.--Roads and Railways--Business maxims. Pages 159--178 CHAPTER X. MASTERS AND MEN. Want of sympathy--Masters and servants--Christian sympathy--Competition--What capital represents--Workmen and employers--The Ashworths--New Eagley Mills--Improved workpeople--Public spirit of manufacturers--Mr. Lister of Bradford--Mr. Foster's speech--Great men wise savers--Sir Titus Salt--Saltaire--Its institutions--Music and sobriety--Mr. Akroyd, Halifax--Yorkshire penny bank--Origin of the bank--How to help the poor--Saving helps sobriety--Drunkenness put down--"Childish work"--Penny banks. Pages 179--204 CHAPTER XI. THE CROSSLEYS--MASTERS AND MEN (CONTINUED).