"Whist, woman! I have six hundred pounds in my breast pocket, and I have siller in the house beside. I have sold my share in the 'Sure-Giver,' and I have been saving money ever since I put on my first sea-boots."

"I have always thought that saving money was your great fault, Andrew."

"I know. I know it myself only too well. Many's the Sabbath day I have been only a bawbee Christian, when I ought to have put a shilling in the plate. But I just could not help it."

"Yes, you could."

"Tell me how, then."

"Just try and believe that you are putting your collection into the hand of God Almighty, and not into a siller plate. Then you will put the shilling down and not the bawbee."

"Perhaps. The thought is not a new one to me, and often I have forced myself to give a white shilling instead of a penny-bit at the kirk door, just to get the better of the de'il once in a while. But for all that I know right well that saving siller is my besetting sin. However, I have been saving for a purpose, and now I am most ready to take the desire of my heart."

"It is a good desire; I am sure of that, Andrew."

"I think it is; a very good one. What do you say to this? I am going to put all my siller in a carrying steamer--one of the Red-White fleet. And more to it. I am to be skipper, and sail her from the North Sea to London."

"Will she be a big boat, Andrew?"

"She will carry three thousand 'trunks' of fish in her ice chambers. What do you think of that?"

"I am perfectly dazzled and dumbfoundered with the thought of it. You will be a man of some weight in the world, when that comes to pass."

"I will be Captain Binnie, of the North Sea fleet, and Sophy will have reason enough for her muslins, and ribbons, and trinkum-trankums--God bless her!"

"You are a far forecasting man, Andrew."

"I have been able to clear my day and my way, by the help of Providence, so far," said Andrew, with a pious reservation; "just as my decent kirk-going father was before me. But that is neither here nor there, and please God, this will be a monumental year in my life."

"It will that. To get the ship and the wife you want, within its twelve bounds, is a blessing beyond ordinary. I am proud to hear tell of such good fortune coming your way, Andrew."




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