Hoffman colored a little as he answered,--

"Not a very costly one. Merely a scarf-pin, as you see. Small, though brilliant. Always worth what I paid for it."

"Cost twenty-five or thirty dollars?"

"Twenty-five."

"Shall I put that down as one of the year expenses?"

"Yes, you may do so."

"What about stage and car hire? Do you ride or walk to and from business?"

"I ride, of course. You wouldn't expect me to walk nearly a mile four times a day."

"I never ride, except in bad weather. The walk gives me just the exercise I need. Every man, who is confined in a store or counting-room during business hours, should walk at least four miles a day. Taken in installments of one mile at a time, at good intervals, there is surely no hardship in this exercise. Four rides, at six-pence a ride and we have another item of twenty-five cents at day. You go down town nearly every evening?"

"Yes."

"And ride both ways?

"Yes."

"A shilling more, or thirty seven and a half cents daily for car and stage hire. Now for another little calculation. Three hundred days, at three shillings a day. There it is."

And Hamilton reached a slip of paper to his friend.

"Impossible!" The latter actually started to his feet. "A hundred and twelve dollars and fifty cents!"

"If you spend three shillings a day, you will spend that sum in a year. Figures are inexorable."

Hoffman sat down again in troubled surprise, saying,

"Have you got to the end?"

"Not yet," replied his companion.

"Very well. Go on."

"I often notice you with candies, or other confections; and you are, sometimes, quite free in sharing them with your friends. Burnt almonds, sugar almonds, Jim Crow's candied fruits, macaroons, etc.

These are not to be had for nothing; and besides their cost they are a positive injury to the stomach. You, of course, know to what extent you indulge this weakness of appet.i.te. Shall we say that it costs an average of ten cents a day?"

"Add fruit, in and out of season, and call it fifteen cents,"

replied Hoffman.

"Very well. For three hundred days this will give another large sum--forty-five dollars?"

"Anything more?" said Hoffman in a subdued, helpless kind of way, like one lying prostrate from a sudden blow.

"I've seen you driving out occasionally; sometimes on Sunday. And, by the way, I think you generally take an excursion on Sunday, over to Staten Island, or to Hoboken, or up the river, or--but no matter where; you go about and spend money on the Sabbath day. How much does all this cost? A dollar a week? Seventy-five cents? Fifty cents? We are after the exact figures as near as maybe. What does it cost for drives and excursions, and their spice of refreshment?"

"Say thirty dollars a year."

"Thirty dollars, then, we will call it. And here let us close, in order to review the ground over which we have been travelling. All those various expenses, not one of which is for things essential to health, comfort, or happiness, but rather for their destruction, amount to the annual sum of four hundred and two dollars sixty cents,--you can go over the figures for yourself. Add to this three hundred and eighty-four dollars, the cost of boarding and clothing, and you swell the aggregate to nearly eight hundred dollars; and your salary is but six hundred!"

A long silence followed.

"I am amazed, confounded!" said Hoffman, resting his head between his hands, as he leaned on the table at which they were sitting.

"And not only amazed and confounded," he went on, "but humiliated, ashamed! Was I a blind fool that I did not see it myself? Had I forgotten my multiplication table?"

"You are like hundreds--nay, thousands," replied the friend, "to whom a sixpence, a shilling, or even a dollar spent daily has a very insignificant look; and who never stop to think that sixpence a day amounts to over twenty dollars in a year; a shilling a day to over forty; and a dollar a day to three hundred and sixty-five. We cannot waste our money in trifles, and yet have it to spend for substantial benefits. The cigars you smoked in the past year; the games of billiards you played; the ale and oysters, cakes, confections, and fruit consumed; the rides in cars and stages; the drives and Sunday excursions, crave only the briefest of pleasures, and left new and less easily satisfied desires behind. It will not do, my friend, to grant an easy indulgence to natural appet.i.te and desire, for they ever seek to be our masters. If we would be men--self-poised, self-controlling, self-possessing men--we must let reason govern in all our actions. We must be wise, prudent, just, and self-denying; and from this rule of conduct will spring order, tranquillity of mind, success, and true enjoyment. I think, Hoffman, that I am quite as happy a man as you are; far happier, I am sure, at this moment; and yet I have denied myself nearly all theses indulgences through which you have exhausted your means and embarra.s.sed yourself with debt. Moreover, I have a hundred dollars clear of everything, with which I shall take a long-desired excursion, while you will be compelled, for lack of the very money which has been worse than wasted, to remain a prisoner in the city. Pray, be counselled to a different course in future."

"I would be knave or fool to need further incentive," said Hoffman, with much bitterness. "At the rate I am going on, debt, humiliation, and disgrace are before me. I may live up to my income without actually wronging others--but not beyond it. As things are now going, I am two hundred dollars worse off at the end of each year when than I began, and, worse still, weaker as to moral purpose, while the animal and sensual natures, from constant indulgence, have grown stronger. I must break this thraldom now; for, a year hence, it may be too late! Thank, you, my friend, for your plain talk. Thank you for teaching me anew the multiplication table, I shall, a.s.suredly, not forget it again."

V.

WHAT CAN I DO?

HE was a poor cripple--with fingers twisted out of all useful shape, and lower limbs paralyzed so that he had to drag them after him wearily when he moved through the short distances that limited his sphere of locomotion--a poor, unhappy, murmuring, and, at times, ill-natured cripple, eating the bread which a mother's hard labor procured for him. For hours every fair day, during spring, summer, and autumn, he might be seen in front of the little house where he lived leaning upon the gate, or sitting on an old bench looking with a sober face at the romping village children, or dreamily regarding the pa.s.sengers who moved with such strong limbs up and down the street. How often, bitter envy stung the poor cripple's heart! How often, as the thoughtless village children taunted him cruelly with his misfortune, would he fling harsh maledictions after them. Many pitied the poor cripple; many looked upon him with feelings of disgust and repulsion; but few, if any, sought to do him good.

Not far from where the cripple lived was a man who had been bedridden for years, and who was likely to remain so to the end of his days. He was supported by the patient industry of a wife.

"If good works are the only pa.s.sport to heaven," he said to a neighbor one day, "I fear my chances will be small."

"'Well done, good and faithful servant,' is the language of welcome," was replied; and the neighbor looked at the sick man in a way that made him feel a little uncomfortable.

"I am sick and bedridden--what can I do?" he spoke, fretfully.

"When little is given, little is required. But if there be only a single talent it must be improved."

"I have no talent," said the invalid.

"Are you sure of that?"

"What can I do? Look at me! No health, no strength, no power to rise from this bed. A poor, helpless creature, burdening my wife. Better for me, and for all, if I were in my grave."

"If that were so you would be in your grave. But G.o.d knows best.

There is something for you to do, or you would be no longer permitted to live," said the neighbor.

The sick man shook his head.

"As I came along just now," continued the neighbor, "I stopped to say a word to poor Tom Hicks, the cripple, as he stood swinging on the gate before his mother's house, looking so unhappy that I pitied him in my heart. 'What do you do with yourself all through these long days, Tom?' I asked. 'Nothing,' he replied, moodily. 'Don't you read sometimes?' I queried. 'Can't read,' was his sullen answer.

'Were you never at school?' I went on. 'No: how can I get to school?' 'Why don't your mother teach you?' 'Because she can't read herself,' replied Tom. 'It isn't too late to begin now,' said I, encouragingly; 'suppose I were to find some one willing to teach you, what would you say?' The poor lad's face brightened as if the sunshine had fallen upon it; and he answered, 'I would say that nothing could please me better.' I promised to find him a teacher; and, as I promised, the thought of you, friend Croft, came into my mind. Now, here is something that you can do; a good work in which you can employ your one talent."