On the third day he applied to Henry Martin for a loan.

"If you don't lend me some stamps, I'll have to go without breakfast,"

he said.

"When shall you get your first week's pay?" asked Henry.

"Saturday night, the boss said, though I didn't go to work till Wednesday."

"Then you need money for your meals today and to-morrow?"

"Yes," said Sam.

"I'll lend you a dollar if you'll be sure to pay me up to-morrow night."

"I'll do it, sure."

"There it is, then. Now, Sam, I want to give you a little advice."

"What is it?"

"To-morrow, after paying me and putting by enough to pay the rent of the room, you'll have two dollars and seventy-five cents left."

"So I shall," said Sam, with satisfaction.

"You mustn't forget that this has got to last you for meals for the next week."

"How much is it a day?"

"About forty cents."

"I guess I can make it do."

"I shall get along for two fifty, and you ought to find what you will have left enough."

"I've had to live on ten cents a day more'n once," said Sam.

"That's too little."

"I should think it was. I went to bed hungry, you bet!"

"Well, there's no need of being so economical as that. You've got to eat enough, or you won't be fit for work. You'll have to be careful, though, if you want to come out even."

"Oh, I can manage it," said Sam, confidently.

But Sam was mistaken. He proved himself far from a good calculator. On Sunday he gratified an unusually healthy appetite, besides buying two five-cent cigars. This made necessary an outlay of seventy-five cents.

The next day also he overran his allowance. The consequence was that on Wednesday night he went to bed without a cent. He did not say anything about the state of his finances to Henry, however, till the next morning.

"Henry," he said, "I guess I'll have to borrer a little more money."

"What for?" asked his companion.

"I haven't got anything to buy my breakfast with."

"How does that happen?"

"I don't know," said Sam. "I must have lost some out of my pocket."

"I don't think you have. You have been extravagant, that's what's the matter. How much did you spend on Sunday?"

"I don't know."

"I do, for I kept account. You spent seventy-five cents. That's twice as much as you could afford."

"It was only for one day."

"At any rate, you have used up in four days as much as ought to have lasted you the whole week."

"I don't get enough pay," grumbled Sam, who was unprepared with any other excuse.

"There are plenty of boys that have to live on as small pay. I am one of them."

"Will you lend me some money?"

"I'll tell you what I will do. I'll lend you twenty-five cents every morning, and you'll have to make it do all day."

"I can't live on that. You spend more yourself."

"I know I do; but if you spend twice as much as you ought one day, you've got to make it up another."

"Give me the money for three days all at once," said Sam.

"No, I won't."

"Why not?"

"You'd spend it all in one day, and want to borrow some more to-morrow."

"No, I wouldn't."

"Then, you don't need it all the first day."

"You're mean," grumbled Sam.

"No, I'm not. I'm acting like a friend. It's for your own good."

"What can I get for twenty-five cents?"

"That's your lookout. You wouldn't have had to live on it, if you hadn't been too free other days."