With a sigh the mother returned to her duties, prepared breakfast for the

other children and in the course of an hour hurried them off to school.

There were three: Mary, just twelve years old; Lizzie, ten; and Jack, who

had attained the precocious and mischief-loving age of seven. Bernard

was eighteen, and the head of the family,--a fact which Mrs. Farrell

strove to impress upon the minds of the younger members, as entitling him

to special respect and affection. He was also the principal

bread-winner, and had ten dollars a week, which was considered a fine

beginning for one so young. Still, it was not a great deal for them all

to rely on, and his mother endeavored to eke out their scanty livelihood

by taking sewing, and in various other ways.

Life had not always been such a struggle for the Farrells. Before the

death of the husband and father they had been in good circumstances. Mr.

Farrell held for years a responsible position as book-keeper and

accountant in one of the largest mercantile establishments of the city.

He had a fair salary, which enabled him to support his family

comfortably. But, alas! how much often depends upon the life and efforts

of one person! An attack of pneumonia, the result of a neglected cold,

carried him out of the world in three days. There had been only time to

attend to his religious duties, and no opportunity to provide for the

dear ones he was about to leave, even if any provision had been possible.

When the income derived from the father's daily labor ceased, they found

themselves suddenly plunged into comparative poverty. His life-insurance

policy had not been kept up; the mortgage on the pretty home had never

been paid off, and was now foreclosed. The best of the furniture was

sold to pay current expenses, and the widow removed with her children to

the third floor of a cheap apartment house,--one of those showy,

aggressively genteel structures so often seen in our Eastern cities, with

walls of questionable safety and defective drainage and ventilation.

Mrs. Farrell was now obliged to dismiss her maid-of-all-work, and attend

to the household duties herself. This was a hardship, for she was not a

strong woman; but she did not complain. Bernard, fortunately, had taken

two years of the commercial course at St. Stanislaus' College, and was

therefore in a measure fitted for practical affairs. He obtained a place

as clerk in the law office of Crosswell & Wright. As he tried to keep

his mind on his duties, and was willing and industrious, his employers

were well pleased with him, and he had been several times advanced. But

the means of the family grew more and more straitened. The following

year the rent of the flat was found to be higher than they could afford.

They sought other quarters, and settled at last, just as winter was

approaching, in the little house where we have discovered them, in a

humble neighborhood and unpaved streets, with no pretensions

whatever,--in fact, it did not appear to have even the ambition to be

regarded as a street at all.

The young people took possession of the new dwelling in high glee. They

did not see the drawbacks to comfort which their mother could have

pointed out; did not notice how much the house needed painting and

papering, how decidedly out of repair it was. Only too glad of their

satisfaction, she refrained from comment, tried to make the best of

everything, and succeeded in having a cosey home for them, despite all

difficulties. For there was not a room of the small house into which at

least a ray of sunlight did not find its way sometime during the day. It

shone upon threadbare carpets and painted floors; upon sofas the

upholstering of which had an unmistakable air of having been experimented

with; and chairs which Mrs. Farrell had recaned, having learned the art

from a blind boy who lived opposite. Yet the sunlight revealed as well

an air of thrift and cheeriness; for the widow, despite her days of

discouragement, aimed to train her children to look upon the bright side

of life, and to trust in Providence.

"Bernard," said she one evening, "I have been thinking that if I could

hire a sewing-machine I might get piecework from the shops, and earn more

than by looking to chance patronage. I have a mind to inquire about one."

The boy was silent. She began to doubt if he had heard, and was about to

repeat the remark when he answered:

"No, mother, don't. There are too many women doing that kind of sewing

at starvation prices. But I'll tell you what would be a fine thing if

you really had the time for it, though I do not see how you could,--it

seems to me we keep you busy."

"What is your idea?" inquired Mrs. Farrell eagerly, paying no heed to the

latter part of his speech.

"Well, if we could manage to pay the rent of a type-writing machine, I

could probably get you copying from the firm as well as from some of the

other lawyers in the building. I was wondering the other day if I could

do anything at it myself, and thus pick up an additional dollar or two in

the week. Of course, you would accomplish more than I could, and it

would be a hundred times better than stitch! stitch! How I hate the whir

of the thing!" And Bernard, with his juggler gift of mimicry, proceeded

forthwith to turn himself into a sewing-machine, jerking his feet up and

down in imitation of the motion of the treadle, and making an odd noise

in his throat.

Mrs. Farrell laughed, as she replied: "I do not know that there is much

choice between this and the click of the type-writer. But, anyhow, your

plan, though it sounds plausible, would not do, because I should not be

able to work the type-writer."

"There would be no difficulty about that," argued Bernard. "You know how

to play the piano, and the fingering is very much easier. It will come

naturally."

His mother laughed again, yet she sighed as well. Her father had given

her a piano as a wedding present, but this had been the first article of

value to be dispensed with when the hard times came. Bernard was so

sanguine, however, that she consented to his project. He spoke to Mr.

Crosswell on the subject; that gentleman became interested, succeeded in

obtaining a type-writer for Mrs. Farrell on easy terms, and promised to

send her any extra copying he might have. The manipulation of the

machine did not, indeed, come quite as naturally as Bernard predicted,

but after a few weeks of patient practice she mastered it sufficiently to

produce a neat-looking page. Bernard brought her all the work she could

do; it was well paid for, and a more prosperous season seemed to have

dawned upon the little home.

Just at this time the children took scarlet fever at school. They had

the disease lightly, but what anxiety the mother endured! Thank God,

they got through it safely; but there was the doctor's bill to be

settled, and funds were at a low ebb once more. To cap the climax, when

the house had been thoroughly fumigated by the board of health, and Mrs.

Farrell was prepared to take up her occupation again, an attack of

rheumatism crippled her fingers and rendered them almost powerless. Then

it was that, worn out and disheartened, she broke down and cried:

"Oh! why does not God help us?"

Her son's usually happy face wore an expression of discouragement also as

she turned to him with the appeal. His lips twitched nervously; but in a

moment the trustfulness which she had taught him was at hand to comfort

her.

"Indeed, mother, He will--He _does_," said Bernard tenderly, though in

the matter-of-fact manner which he knew would best arouse her. "You are

all tired out, or you would not speak in that way. You must have a good

rest. Keep the rooms warm, so that you will not take any more cold, and

before long you will be able to rattle the type-writer at a greater speed

than ever. That reminds me, mother," he continued--seeing that she was

beginning to recover herself, and wishing to divert her thoughts,--"one

of the things we have to be thankful for is that this house is easily

heated. It beats all the way coal does last here! The ton we got two

months ago isn't gone yet,"

"That is the way coal lasts when there is not any one to steal it, as

there was in the flat, where the cellars were not properly divided off,"

answered Mrs. Farrell, brightening up.

"No, there's nobody living immediately around here whom I'd suspect of

being mean enough to steal coal," returned Bernard, carelessly,--"except,

perhaps, Stingy Willis, I don't think I'd wager that old codger wouldn't,

though."

"I am afraid I should not have entire confidence in him, either," agreed

Mrs. Farrell.

But the intelligence that there was still coal in the bin had cheered her

wonderfully. Repenting of her rash conclusion, she hastened to qualify

it by adding, "That is, if half of what the neighbors say is true. But,

then, we have no right to listen to gossip, or to judge people."

Stingy Willis, the individual who apparently bore an unenviable

reputation, was a small, dried-up looking old man, who lived next door to

the Farrells,--in fact, under the same roof; for the structure consisted

of two houses built together. Here he dwelt alone, and attended to his

household arrangements himself, except when, occasionally, a woman was

employed for a few hours to put the place in order. He was accustomed to

prepare his own breakfast and supper; his dinner he took at a cheap

restaurant. He dressed shabbily, and was engaged in some mysterious

business down town, to and from which he invariably walked; not even a

heavy rain-storm could make him spend five cents for a ride in a

horse-car. And yet he was said to be very wealthy. Persons declared

they knew "upon good authority" that he held the mortgage which covered

the two connecting houses; that, as the expression is, he "had more money

than he knew what to do with." Others, who did not profess to be so

scrupulously exact in their determination to tell only a plain,

unvarnished tale, delighted in fabulous stories concerning his riches.

They said that though the floor of his sitting-room was carpetless, and

the bay-window curtainless but for the cobwebs, he could cover the one

with gold pieces and the other with bank-notes, if he pleased. Many were

convinced he had a bag of treasure hidden up the chimney or buried in the

cellar; this they asserted was the reason he would not consent to having

the upper rooms of the house rented, and so they remained untenanted

season after season. Thus, according to the general verdict (and

assuredly the circumstantial evidence was strong), he was a miser of the

most pronounced type,--"as stingy as could be," everybody agreed; and is

not what everybody says usually accepted as the truth?

Certain it is that Stingy Willis acted upon the principle, "a penny saved

is a penny gained,"--denied himself every luxury, and lived with extreme

frugality, as the man who kept the meat-market and grocery at the corner

frequently testified. Even in the coldest weather, a fire was never

kindled in the house till evening; for over its dying embers the solitary

man made his coffee the following morning. A basket of coal lasted him a

week, and he sifted the cinders as carefully as if he did not know where

to find a silver quarter to buy more fuel. He had nothing to do with his

neighbors, who really knew very little about him beyond what they could

see of his daily life. They were almost all working people, blessed with

steady employment; though they had not more than enough of this world's

goods, there was no actual poverty among them. They were respectable,

honest, and industrious; as Bernard said, not one of the dwellers in the

street would ever be suspected of being "mean enough to steal coal,"

unless indeed Stingy Willis.

II.

Gloomy days continued for the Farrells; yet the outside world never

dreamed of the straits to which they were reduced, for a spirit of worthy

independence and pardonable pride led them to keep their trouble to

themselves. Mrs. Farrell would have died, almost, rather than reveal

their need to any one; nothing save the cry of her children asking in

vain for bread would bring her to it. Well, they still had bread and

oatmeal porridge, but that was all.

Who would have imagined it! The little house was still distinguished

from the others of the row by an appearance of comfort. Although Mrs.

Farrell could not do any type-writing, the children were neat and trim

going to school; Bernard's clothes were as carefully brushed, his boots

as shining, linen as fresh, his mien as gentlemanly as ever. And they

found great satisfaction in the reflection that no one was aware of the

true state of affairs. The mother and Bernard agreed, when they began

housekeeping under their changed circumstances, to contract no bills;

what they could not afford to pay for at the time they would do without.

So now no butcher nor baker came clamoring for settlement of his account.

The doctor was willing to wait for his money; all they owed besides was

the rent. Only the landlord knew this, and he was disposed to be

lenient. Mrs. Farrell still tried to hope for the best, but sometimes

she grew dejected, was sorely tempted to repine.

"Mother," little Jack once asked, "aren't people who, as you say, 'have

seen better days' and become poor, much poorer than people who have

always been poor?"

"It seems to me they are, my child," answered the widow, dispiritedly.

"But why do you think so?"

"Because," replied the young philosopher, "we are much poorer than the

woman who used to wash for us. She appeared to have everything she

wanted, but we have hardly anything."

It was unreasonable, to be sure, but sometimes Mrs. Farrell used to

wonder how her neighbors could be so hard-hearted as to go past

unconcernedly, and not notice the necessities which, all the while, she

was doing her best to keep from their knowledge. Often, too, as Stingy

Willis went in and out of the door so close to her own, she thought: "How

hard it is that this man should have riches hidden away, while I have

scarcely the wherewith to buy food for my children! Walls are said to

have ears,--why have they not also tongues to cry out to him, to tell him

of the misery so near? Is there nothing which could strike a spark of

human feeling from his flinty heart?" Then, reproaching herself for the

rebellious feeling, she would murmur a prayer for strength and patience.

The partition between the two houses was thin. She and Bernard could

frequently hear the old man moving about his dreary apartments, or going

up or down the stairs leading to the cellar. "Old Willis is counting his

money-bags again, I guess!" Bernard would say lightly, as the familiar

shuffling to and fro caught his ear; while his mother, to banish the

shadow of envious discontent, quietly told a decade of her Rosary.

The conversation anent the subject of the coal kept recurring to her mind

with odd persistency. Repeatedly of late she had awakened in the night

and heard the miser stumbling around; several times she was almost

certain he was in her cellar, and--yes, surely, _at the

coal_,--purloining it piece by piece, probably. Then just as, fully

aroused, she awaited further proof, the noise would cease, and she would

conclude she must have been mistaken. At last, however, it would seem

that her suspicions were confirmed.

On this occasion Mrs. Farrell had not retired at the usual hour. It was

after midnight, yet she was still occupied in a rather hopeless effort to

patch Jack's only pair of trousers; for he evinced as remarkable an

ability to wear out clothes as any son of a millionaire. The work was

tedious and progressed slowly, for her fingers were stiff and the effort

of sewing painful. Finally it was finished. With a sigh of relief she

rested a moment in her chair. Just then the silence was broken by a

peculiar sound, like the cautious shifting of a board. That it proceeded

from the cellar was beyond question. A singular rattling followed. She

rose, went into the hall and listened. Yes, there was no delusion about

it: somebody was at the coal,--that coal which, she remembered bitterly,

was now but a small heap in the bin. That the culprit was Stingy Willis

there could be little doubt.

Bernard had fallen asleep on the sofa an hour or more before. His mother

stole to his side, and in a low voice called him. He stirred uneasily.

She called again, whereupon he opened his eyes and stared at her in

bewilderment.

"Hark!" she whispered, signalling to him not to speak.

Once more came the noise, now more distinct and definable. The heartless

intruder had become daring; the click of a shovel was discernible; he was

evidently helping himself liberally.

Bernard looked at his mother in perplexity and surprise.

"Stingy Willis?" he interrogated.

She nodded.

"And at the coal, by Jove!" he exclaimed, suddenly realizing the

situation, and now wide awake.

He started up, and presently was creeping down the stairs to the kitchen.

Mrs. Farrell heard him open the cellar door with the least possible

creak. She knew he was on the steps which led below, but he made no

further sound. She had no other clue to his movements, and could only

distinguish the rumble of the coal. She waited, expecting momentarily

that it would cease, dreading the altercation which would follow, and

regretting she had aroused her son.

"He is quick-tempered," she soliloquized. "What if words should lead to

blows,--if he should strike the old man! How foolish I was to let him go

alone!"

The suspense was ominous. What was the boy going to do? Why all this

delay? Why did he not promptly confront the fellow and order him to be

gone? In reality, only a few minutes had elapsed since she first heard

the noise, but it seemed a quarter of an hour even since he left her.

Should she go down herself, or call out to him? While she hesitated

Bernard suddenly reappeared. She leaned over the banisters to question

him; but, with a gesture imploring her to be silent, the astonished boy

said, hardly above his breath: "Mother, come here!"

Cautiously she descended to the entry. He led her through the kitchen to

the cellar steps. All the time the shovelling continued. Whispering

"Don't be afraid," Bernard blew out the candle he carried, and, taking

her hand, added: "Look!"

From the corner of the cellar in which the coal-bin was situated came the

light of a lantern. Crouching down, Mrs. Farrell could see that it

proceeded from a hole in the wall which separated the two houses. There

was no one upon her premises, after all; but at the other side of the

partition was Stingy Willis, sure enough! Through the opening she could

just catch a glimpse of his grey head and thin, sharp features.

Trembling with indignation, she peered forward to get a better view.

Yes, there was Stingy Willis certainly; but--oh, for the charity, the

neighborliness which "thinketh no evil!"--he was shovelling coal from his

own _into_ the Farrells' bin! As this fact dawned upon her she felt as

if she would like to go through the floor for shame. Drawing back

abruptly, she groped her way to the kitchen, and sank into a chair, quite

overcome by emotion. Bernard, having relighted the candle, stood gazing

at her with an abashed air. In a moment or two the shovelling ceased,

and they could hear the old man, totally unconscious of the witnesses to

his good deed, slowly ascending to his cheerless rooms again.

Stingy Willis alone had discovered their need. With a delicacy which

respected their reticence, and shrank from an offer of aid which might

offend, he had hit upon this means of helping them. Clearly, he had been

thus surreptitiously supplying them with fuel for weeks,--a little at a

time, to avoid discovery. And Mrs. Farrell, in her anxiety and

preoccupation, had not realized that, with the steady inroads made upon

it, a ton of coal could not possibly last so long.

"That, of all people, Stingy Willis should be the one to come to our

assistance!" exclaimed the widow.

"And to think he is not _Stingy_ Willis at all! That is the most

wonderful part of it!" responded Bernard.

"Often lately," continued the former, "when I happened to meet him going

in or out, I fancied that his keen old eyes darted a penetrating glance

at me; and the fear that they would detect the poverty we were trying to

hide so irritated me that sometimes I even pretended not to hear his

gruff 'Good-morning!'"

"Well, he's a right jolly fellow!" cried Bernard, enthusiastically,

His mother smiled. The adjective was ludicrously inappropriate, but she

understood Bernard's meaning, and appreciated his feelings as he went on:

"Yes, I'll never let anybody say a word against him in my hearing after

this, and I'll declare I have proof positive that he's no miser."

"He is a noble-hearted man certainly," said Mrs. Farrell. "I wish we

knew more about him. But, for one thing, Bernard, this experience has

taught us to beware of rash judgments; to look for the jewels, not the

flaws, in the character of our neighbor."

"Yes, indeed, mother," replied the youth, decidedly. "You may be sure

that in future I'll try to see what is best in everyone."

The next morning Mrs. Farrell went about her work in a more hopeful mood.

Bernard started for the office in better spirits than usual, humming

snatches of a song, a few words of which kept running in his mind all day:

"God rules, and thou shall have more sun

When clouds their perfect work have done."

That afternoon Mr. Crosswell, the head of the firm, who seemed suddenly

to have become aware that something was wrong, said to him:

"My lad, how is it that your mother has not been doing the extra

type-writing lately? I find a great deal of it has been given to some

one else."

"She has been sick with rheumatism, sir," answered the boy; "and her

fingers are so stiff that she cannot work the machine."

"Tut! tut!" cried the lawyer, half annoyed. "You should have told me

this before. If she is ill, she must need many little luxuries" (he

refrained from saying _necessaries_). "She must let me pay her in

advance. Here are twenty-five dollars. Tell her not to hesitate to use

the money, for she can make up for it in work later. I was, you know, a

martyr to rheumatism last winter, but young Dr. Sullivan cured me. I'll

send him round to see her; and, remember, there will be no expense to you

about it."

"I don't know how to thank you, sir!" stammered Bernard, gratefully.

Then he hurried home to tell his mother all that had happened, and to put

into her hands the bank-notes, for which she could find such ready use.

Doctor Sullivan called to see Mrs. Farrell the following day,

"Why," said he, "this is a very simple case! You would not have been

troubled so long but for want of the proper remedies."

He left her a prescription, which wrought such wonders that in a

fortnight she was able to resume her occupation.

From this time also Mr. Crosswell gave Bernard many opportunities by

which he earned a small sum in addition to his weekly salary, and soon

the Farrells were in comfortable circumstances again.

By degrees they became better acquainted with old Willis; but it was not

till he began to be regarded, and to consider himself, as an intimate

friend of the family that Bernard's mother ventured to tell him they knew

of his kind deed done in secret,--a revelation which caused him much

confusion. Bernard had discovered long before that their eccentric

neighbor, far from being a parsimonious hoarder of untold wealth, was, in

fact, almost a poor man. He possessed a life-interest in the house in

which he dwelt, and the income of a certain investment left to him by the

will of a former employer in acknowledgment of faithful service. It was

a small amount, intended merely to insure his support; but, in spite of

his age, he still worked for a livelihood, distributing the annuity in

charity. The noble-hearted old man stinted himself that he might be

generous to the sick, the suffering, the needy; for the "miser's gold"

was only a treasure of golden deeds.

THAT RED SILK FROCK.

I.

You could not help liking little Annie Conwell; she was so gentle, and

had a half shy, half roguish manner, which was very winning. And,

then, she was so pretty to look at, with her pink cheeks, soft blue

eyes, and light, wavy hair. Though held up as a model child, like most

people, including even good little girls, she was fond of her own way;

and if she set her heart upon having anything, she wanted it without

delay--right then and there. And she usually got it as soon as

possible; for Mr. Conwell was one of the kindest of fathers, and if

Annie had cried for the moon he would have been distressed because he

could not obtain it for her; while, as the two older children, Walter

and Josephine, were away at boarding-school, Mrs. Conwell, in her

loneliness at their absence, was perhaps more indulgent toward her

little daughter than she would otherwise have been.

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