The morning of the day came on which
Wilkinson had to make his last payment on account
of the due-bills given to Carlton. He had nothing
in bank, and there were few borrowing resources not
already used to the utmost limit. At ten o’clock
he went out to see what could be done in the way of
effecting further temporary loans among business friends.
His success was not very great, for at twelve o’clock
he returned with only two hundred dollars. Carlton’s
agent had called twice during the time, and came in
a few minutes afterwards.
“You’re too soon for me,”
said Wilkinson, with not a very cheerful or welcome
expression of countenance.
“It’s past twelve,” returned the
man.
“All the same if it were past three. I
haven’t the money.”
The collector’s brow lowered heavily.
“How soon will you have it?”
“Can’t tell,” replied Wilkinson,
fretfully.
“That kind of answer don’t
just suit me,” said the man, with some appearance
of anger. “I’ve been remarkable easy
with you, and now”—
“Easy!” sharply ejaculated
Wilkinson. “Yes; as the angler who plays
his trout. You’ve already received fifteen
hundred dollars of the sum out of which I was swindled,
and with that I should think both you and your principal
might be content. Go back to him, and say that
he is about placing on the camel’s back the pound
that may break it.”
“I have before told you,”
was replied, “that Mr. Carlton has no longer
any control in this matter. It is I who hold your
obligations; they have been endorsed to me, and for
a valuable consideration; and be assured that I shall
exact the whole bond.”
“If,” said Wilkinson,
after some moments’ reflection, and speaking
in a changed voice and with much deliberation, “if
you will take my note of hand for the amount of your
due-bills, at six months from to-day, I will give
it; if not”—
“Preposterous!” returned the man, interrupting
him.
“If not,” continued Wilkinson,
“you can fall back upon the law. It has
its delays and chances; and I am more than half inclined
to the belief that I was a fool not to have left this
matter for a legal decision in the beginning.
I should have gained time at least.”
“If you are so anxious to get
into court, you can be gratified,” was answered.
“Very well; seek your redress
in law,” said Wilkinson, angrily. “Occasionally,
gamblers and pickpockets get to the end of their rope;
and, perhaps, it may turn out so in this instance.
My only regret now is, that I didn’t let the
matter go to court in the beginning.”
The man turned off hastily, but paused
ere he reached the door, stood musing for a while,
and then came slowly back.
“Give me your note at sixty days,” said
he.
“No, sir,” was the firm
reply of Wilkinson. “I offered my note at
six months. For not a day less will I give it;
and I don’t care three coppers whether you take
it or no. I had about as lief test the matter
in a court of justice as not.”
The man again made a feint to retire,
but again returned.
“Say three months, then.”
“It is useless to chaffer with
me, sir.” Wilkinson spoke sternly.
“I have said what I will do, and I will do nothing
else. Even that offer I shall withdraw if not
accepted now.”
The man seemed thrown quite aback
by the prompt and decisive manner of Wilkinson, and,
after some hesitation and grumbling, finally consented
to yield up the balance of the due-bills for a note
payable in six months.
“Saved as by fire!” Such
was the mental ejaculation of Wilkinson, as the collector
left the store. “I stagger already under
the extra weight of fifteen hundred dollars.
Five hundred added now would come nigh to crushing
me. Ah! how dearly have I paid for my folly!”
While he still sat musing at his desk,
his friend Ellis came in, looking quite sober.
“I know you’ve been pretty
hard run for the last week or ten days,” said
he, “but can’t you strain a point and help
me a little? I’ve been running about all
the morning, and am still two hundred dollars short
of the amount to be paid in bank to-day.”
“Fortunately,” replied
Wilkinson, “I have just the sum you need.”
“How long can you spare it?”
“Until day after to-morrow.”
“You shall have it then, without fail.”
The money was counted out and handed
to Ellis, who, as he received it, said in a desponding
voice—
“Unless a man is so fortunate
as to be born with a silver spoon in his mouth, he
finds nothing but up-hill work in this troublesome
world. I declare! I’m almost discouraged.
I can feel myself going behindhand, instead of advancing.”
“Don’t say that.
You’re only in a desponding mood,” replied
Wilkinson, repressing his own gloomy feelings, and
trying to speak encouragingly.
“I wish it were only imagination.
It is now nearly ten years since I was married, and
though my business, at the time, was good, and paying
a fair profit on the light capital invested, it has,
instead of getting more prosperous, become, little
and by little, embarrassed, until now—I
speak this confidently, and to one whom I know to
be a friend—were every thing closed up,
I doubt if I should be worth five hundred dollars.”
“Not so bad as that. You
are only in a gloomy state of mind.”
“I wish it were only nervous
despondency, my friend. But it is not so.
All the while I am conscious of a retrograde instead
of an advance movement.”
“There must be a cause for this,” said
Wilkinson.
“Of course. There is no effect without
a cause.”
“Do you know what it is?”
“Yes.”
“A knowledge of our disease is said to be half
the cure.”
“It has not proved so in my case.”
“What is the difficulty?”
“My expenses are too high.”
“Your store expenses?”
“No, my family expenses.”
“Then you ought to reduce them.”
“That is easily said; but, in
my case, not so easily done. I cannot make my
wife comprehend the necessity of retrenchment.”
“If you were to explain the
whole matter to her, calmly and clearly, I am certain
you would not find her unreasonable. Her stake
in this matter is equal to yours.”
“Oh, dear! Haven’t I tried, over
and over again?”
“If Cara will not hear reason,
and join with you in prudent reforms, then it is your
duty to make them yourself. What are your annual
expenses?”
“I am ashamed to say.”
“Fifteen hundred dollars?”
“They have never fallen below
that since we were married, and, for the last three
years, have reached the sum of two thousand dollars.
This year they will even exceed that.”
Wilkinson shook his head.
“Too much! too much!”
“I know it is. A man in
my circumstances has no right to expend even half
that sum. Why, five hundred dollars a year less
in our expenses since we were married would have left
me a capital of five thousand dollars in my business.”
“And placed you now on the sure road to fortune.”
“Undoubtedly.”
“Take my advice, and give to
Cara a full statement of your affairs. Do it
at once—this very day. It has been
put off too long already. Let there be no reserve—no
holding back—no concealment. Do it
calmly, mildly, yet earnestly, and my word for it,
she will join you, heart and hand, in any measure
of reform and safety that you may propose. She
were less than a woman, a wife, and a mother, not
to do so. You wrong her by doubt.”
“Perhaps I do,” said Ellis
in reply. “Perhaps I have never managed
her rightly. I know that I am quick to get out
of patience with her, if she oppose my wishes too
strongly. But I will try and overcome this.
There is too much at stake just now.”
The two men parted. Henry Ellis
pondered all day over the present state of his affairs,
and the absolute necessity there was for a reduction
of his expenses. The house in which he lived cost
four hundred and fifty dollars a year. Two hundred
dollars could easily be saved, he thought, by taking
a smaller house, where, if they were only willing
to think so, they might be just as comfortable as they
now were. Beyond this reduction in rent, Ellis
did not see clearly how to proceed. The rest
would have mainly to depend upon his wife, who had
almost the entire charge of the home department, including
the expenditures made on account thereof.
The earnestness with which Ellis pondered
these things lifted his thoughts so much above the
sensual plane where they too often rested, that he
felt not the desire for stimulating drink returning
at certain hours, but passed through the whole of the
afternoon without either thinking of or tasting his
usual glass of brandy and water. On coming home
to his family in the evening, his mind was as clear
as a bell. This, unhappily, was not always the
case.
And now for the task of making Cara
comprehend the real state of his affairs; and to produce
in her a cheerful, loving, earnest co-operation in
the work of salutary reform. But how to begin?
What first to say? How to disarm her opposition
in the outset? These were the questions over
which Ellis pondered. And the difficulty loomed
up larger and larger the nearer he approached it.
He felt too serious; and was conscious of this.
Unhappily, Cara’s brow was somewhat
clouded. Ellis approached her with attempts at
cheerful conversation; but she was not in the mood
to feel interested in any of the topics he introduced.
The tea hour passed with little of favourable promise.
The toast was badly made, and the chocolate not half
boiled. Mrs. Ellis was annoyed, and scolded the
cook, in the presence of her husband, soundly; thus
depriving him of the little appetite with which he
had come to the table. Gradually the unhappy
man felt his patience and forbearance leaving him;
and more than once he said to himself—
“It will be worse than useless
to talk to her. She will throw back my words
upon me, in the beginning, as she has so often done
before.”
Tea over, Mr. and Mrs. Ellis returned
with their children to the sitting-room. The
former felt an almost irrepressible desire for the
cigar, which habit had rendered so nearly indispensable;
but he denied himself the indulgence, lest Cara should
make it the occasion of some annoying remark.
So he took up a newspaper, and occupied himself therewith,
until his wife had undressed and put their two oldest
children to bed. As she returned from the adjoining
room, where they slept, Ellis looked earnestly into
her face, to see what hope there was for him in its
expression. Her lips were drawn closely together,
her brows slightly contracted, and her countenance
had a fretful, discontented expression. He sighed
inwardly, and resumed the perusal of his newspaper;
or, rather, affected to resume it, for the words that
met his eyes conveyed to his mind no intelligible
ideas.
Mrs. Ellis took her work-basket, and
commenced sewing, while her husband continued to hold
the newspaper before his face. After some ten
minutes of silence, the latter made a remark, as a
kind of feeler. This was replied to with what
sounded more like a grunt than a vocal expression.
“Cara,” at length said
Ellis, forcing himself to the unpleasant work on hand,
“I would like to have a little plain talk with
you about my affairs.” He tried, in saying
this, to seem not to be very serious; but his feelings,
which had for some time been on the rack, were too
painfully excited to admit of this. He both looked
and expressed, in the tones of his voice, the trouble
he felt.
Now, just at the moment Ellis said
this, his wife was on the eve of making the announcement,
in rather a peremptory and dogmatic way, that if he
didn’t give her the money to buy new parlour
carpets, for which she had been asking as much as
a year past, she would go and order them, and have
the bill sent in to him. All day this subject
had been in her mind, and she had argued herself into
the belief that her husband was perfectly able, not
only to afford her new carpets, but also new parlour
furniture; and that his unwillingness to do so arose
from a penurious spirit. Such being her state
of mind, she was not prepared to see in the words,
voice, and look of her husband the real truth that
it was so important for her to know. From the
beginning of their married life, she had been disposed
to spend freely, and he to restrain her. In consequence,
there was a kind of feud between them; and now she
regarded his words as coming from a desire on his
part to make her believe that he was poorer, in the
matter of this world’s goods, than was really
the case. Her reply, therefore, rather pettishly
uttered, was—
“Oh! I’ve heard enough
about your affairs. No doubt you are on the verge
of bankruptcy. A man who indulges his family to
the extent that you do must expect shipwreck with
every coming gale.”
The change of countenance and exclamation
with which this heartless retort was made startled
even Cara. Rising quickly to his feet, and flinging
upon his wife a look of reproach, Ellis left the room.
A moment or two afterwards, the street-door shut after
him with a heavy jar.
It was past midnight when he came
home, and then he was stupid from drink.