“It is a remarkable thing with reference to men who are distressed for money that they never seem at a loss for small sums, or deny themselveds those luxuries which small sums purchase. Cabs, dinners, wine, theatres, and new gloves are always at the command of men who are drowned in pecuniary embarrassments, whereas those who don't owe a shiling are so frequently obliged to go without them! It would seem that there is no gratification so costly as that of keeping out of debt.”