Notes In Support.

1.—"Habit makes everything easy and casts difficulties upon the deviation from a wonted course."—Lord Brougham.

2.—" A mind trained to reflect on consequences, to guide conduct, and to forego immediate enjoyment for the sake of greater good to self or others, may he produced without reading or writing, and is a far nobler product of education than the mere power to read or write, however neat the penmanship, or correct the pronunciation."—Dr. Hodgson, at the Social Science Congress, 1873.

3.—"Instruction means communicating knowledge; education implies the repetition of certain modes of action until they have become habits,...... Train up (educate) a child in the way he should go, and when he is old, he will not depart from it says Scripture; but it does not promise the same result from merely instructing the child."—Geo. Combe, in his Essay on Education.

4.—"The power of enjoying the present without anticipation of the future or regard of the past, is the especial privilege of the animal nature, and of human nature in proportion as it has not been developed beyond the animal."—Geo. MacDonald in Robert Falconer.

5.—"What we contend for is this, that habits of prudence and forethought in money matters are far from being common, and that to endeavour to encourage them, is one of the most practical forms, which a really thoughtful benevolence can assume, that a large part of the suffering which we all deplore, is caused by want of habits of economy and forethought, and that the habit of saving, so as to be beforehand with the world, if it is to be acquired at all, must be acquired early,"—Lord Derby, on Thrift.

6.—"To teach habits, is the very master power of education,"—Mrs. W. Gray, at the British Association for the Advancement of Science, 1874.

7.—"Education means something more than merely learning lessons out of a book; and habits, early implanted, last longer even than leases, districts, or towns."—Quoted by Dr. Hodgson from John Hollingshead in Ragged London.

8.—"Never treat money affairs with levity: money is character."—Quoted by Smiles, in Self Help, from Sir E. Bulwer Lytton.

9.—"Action in conduct and in work, is at once the practical expression of the character and the intellect, but finds little room to show itself in the ordinary systems of education,"—Fröbel's Kindergarten Schools.

10.—"L'école ne doit pas seulement instruire, elle doit aussi élever les enfants, et nous insistons sur l'épargne, comme moyen d'éducation, comme instrument de moralisation,"—La Caisse D'Epargne dans les Ecoles de Gand.

11.—"The extent to which teaching and training can create habits of saving and self-denial, will be seen by comparing the conduct of a well informed and prudent man with that of the untutored savage...... We have no hesitation in enumerating this quality (habit of saving) among the virtues, inasmuch as its prevalence is indispensable for individual and national well-being,"—Richard Dawes, M.A., Dean of Hereford.