years ago--Popular amusements--Improvement of manners--English mechanics
and workmen--English engineers and miners--Swiftness of
machinery--Foreign workmen--Provident habits of foreigners. Pages
205--232


CHAPTER XII.

LIVING BEYOND THE MEANS.

Hypocrisy and debt--Conventionalism--Keeping up appearances--Exclusive
circles--Women and exclusiveness--Women and extravagance--Running into
debt--The temptation of shopkeepers--Temptations to crime--How crime is
committed--Love of dress--Gents--Reckless expenditure--Knowledge of
Arithmetic--Marriage--Happy tempers--Responsibilities of
marriage--Marriage not a lottery--The man who couldn't say "No"--The
courage to say "No"--"Respectable" funerals--Funeral extravagance--John
Wesley's will--Funeral reform. Pages 233--258


CHAPTER XIII.

GREAT DEBTORS.

Greatness and debt--Seedy side of debt--Running up bills--Loan
clubs--Genius and debt--Fox and Sheridan--Sheridan's
debts--Lamartine--Webster--Debts of men of science--Debts of
artists--Italian artists--Haydon--The old poets--Savage and
Johnson--Steele and Goldsmith--Goldsmith's debts--Goldsmith's
advice--Byron's debts--The burden of debt--Burns and Sydney Smith--De