Housekeepers and heads of families should • cut down their establishments to a moderate standard, and diminish their outgoings, at least, so that they should not exceed their in comings. By practising this system of econo my wherever it can be appUed, the commu nity will be iniinitely better off. No spirit of speculation and wild adventure, with a bold reliance upon chances, while so dark a future is immediately at hand, should tempt men to