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 appetite 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 embarrassed 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, assuredly, not forget it again." V. WHAT CAN I DO?