PREFACE.
This book is intended as a sequel to "Self-Help," and "Character." It might, indeed, have appeared as an introduction to these volumes; for Thrift is the basis of Self-Help, and the foundation of much that is excellent in Character.
The author has already referred to the Use and Abuse of Money; but the lesson is worthy of being repeated and enforced.

As he has already observed,--Some of the finest qualities of human nature are intimately related to the right use of money; such as generosity, honesty, justice, and self-denial; as well as the practical virtues of economy and providence.

On the other hand, there are their counterparts of avarice, fraud, injustice, and selfishness, as displayed by the inordinate lovers of gain; and the vices of thoughtlessness, extravagance, and improvidence, on the part of those who misuse and abuse the means entrusted to them.
Sir Henry Taylor has observed that "industry must take an interest in its own fruits, and God has appointed that the mass of mankind shall be moved by this interest, and have their daily labour sweetened by it." The earnings and savings of industry should be intelligent for a purpose beyond mere earnings and savings.

We do not work and strive for ourselves alone, but for the benefit of those who dependent upon us.
Industry must know how to earn, how to spend, and how to save.

The man who knows, like St.Paul, how to spare and how to abound, has a great knowledge.
Every man is bound to do what he can to elevate his social state, and to secure his independence.