old gentleman upright—as he was—was not at all anxious to have the money back, as it was earning fair interest. So the five hundred remained on loan, and, as it seemed, for no very definite purpose.
Whether the old gentleman liked to feel that he had so much money at command (a weakness of human nature common enough), or whether he thought he could increase the produce of his farm by putting it in the soil, it is not possible to say. He certainly put the five hundred out of sight somewhere, for when his son succeeded him it was nowhere to be found. After repaying the small loans to his father's old friends, upon looking round the son saw cattle, corn, hay, and furniture, but no five hundred pounds in ready money. The ready money had been muddled away—simply muddled away, for the old man had worked hard, and was not at all extravagant.
The bank asked for the five hundred, but not in a pressing manner, for the belief still existed that there was money in the family. That belief was still further fostered because the old friends whose loans had been repaid talked about that repayment, and so gave a colour to the idea. The heir, in his slow way, thought the matter over and decided to continue the loan. He could only repay it by instalments—a mode which, to a farmer brought up in the old style, is almost impossible, for though he might meet one he would be sure to put off the next—or by selling stock (equivalent to giving up his place), or by borrowing afresh. So he asked and obtained a continuation of the loan of the five hundred, and was accommodated, on condition that some one 'backed' him. Some one in the family did back him, and the fatal mistake was committed of perpetuating this burden. A loan never remains at the same sum; it increases if it is not reduced. In itself the five hundred was not at all a heavy amount for the farm to carry, but it was the nucleus around which additional burdens piled themselves up. By a species of gravitation such a burden attracts others, till the last straw breaks the camel's back. This, however, was not all.
The heir discovered another secret which likewise contributed to sober him. It appeared that the farm, or rather the stock and so on, was really not all his father's. His father's brother had a share in it—a share of which even the most inquisitive gossips of the place were ignorant. The brother being the eldest (himself in business as a farmer at some distance) had the most money, and had advanced a certain sum to the younger to enable him to start his farm, more than a generation since. From that day to this not one shilling of the principal had been repaid, and the interest only partially and at long intervals. If the interest were all claimed it would now amount to nearly as much as the principal. The brother—or, rather, the uncle—did not make himself at all unpleasant in the matter. He only asked for about half the interest due to him, and at the same time gave the heir a severe caution not to continue the aforesaid riotous living. The heir, now quite brought down to earth after his momentary exaltation, saw the absolute necessity of acquiescence. With a little management he paid the interest—leaving himself with barely enough to work the farm. The uncle, on his part, did not act unkindly; it was he who 'backed' the heir up at the bank in the matter of the continuation of the loan of the five hundred pounds. This five hundred pounds the heir had never seen and never would see: so far as he was concerned it did not exist; it was a mere figure, but a figure for which he must pay. In all these circumstances there was nothing at all exceptional.
At this hour throughout the width and breadth of the country there are doubtless many farmers' heirs stepping into their fathers' shoes, and at this very moment looking into their affairs. It may be safely said that few indeed are those fortunate individuals who find themselves clear of similar embarrassments. In this particular case detailed above, if the heir's circumstances had been rigidly reduced to figures—if a professional accountant had examined them—it would have been found that, although in possession of a large farm, he had not got one scrap of capital.
But he was in possession of the farm, and upon that simple fact of possession he henceforth lived, like so many, many more of his class. He returned to the routine of labour, which was a part of his life. After awhile he married, as a man of forty might naturally wish to, and without any imputation of imprudence so far as his own age was concerned. The wife he chose was one from his own class, a good woman, but, as is said to be often the case, she reflected the weakness of her husband's character. He now worked harder than ever—a labourer with the labourers. He thus saved himself the weekly expense of the wages of a labourer—perhaps, as labourers do not greatly exert themselves, of a man and a boy. But while thus slaving with his hands and saving this small sum in wages, he could not walk round and have an eye upon the other men. They could therefore waste a large amount of time, and thus he lost twice what he saved. Still, his intention was commendable, and his persistent, unvarying labour really wonderful. Had he but been sharper with his men he might still have got a fair day's work out of them while working himself. From the habit of associating with them from boyhood he had fallen somewhat into their own loose, indefinite manner, and had lost the prestige which attaches to a master. To them he seemed like one of themselves, and they were as much inclined to argue with him as to obey. When he met them in the morning he would say, 'Perhaps we had better do so and so,' or 'Suppose we go and do this or that.' They often thought otherwise; and it usually ended in a compromise, the master having his way in part, and the men in part. This lack of decision ran through all, and undid all that his hard work achieved. Everything was muddled from morn till night, from year's end to year's end. As children came the living indoors became harder, and the work out of doors still more laborious.
If a farmer can put away fifty pounds a year, after paying his rent and expenses, if he can lay by a clear fifty pounds of profit, he thinks himself a prosperous man. If this farmer, after forty years of saving, should chance to be succeeded by a son as thrifty, when, he too has carried on the same process for another twenty years, then the family may be, for village society, wealthy, with three or even four thousand pounds, besides goods and gear. This is supposing all things favourable, and men of some ability, making the most of their opportunities. Now reverse the process. When children came, as said before, our hard-working farmer found the living indoors harder, and the labour without heavier. Instead of saving fifty pounds a year, at first the two sides of the account (not that he ever kept any books) about balanced. Then, by degrees, the balance dropped the wrong way. There was a loss, of twenty or thirty pounds on the year, and presently of forty or fifty pounds, which could only be made good by borrowing, and so increasing the payment of interest.
Although it takes sixty years—two generations—to accumulate a village fortune by saving fifty pounds a year, it does not occupy so long to reduce a farmer to poverty when half that sum is annually lost. There was no strongly marked and radical defect in his system of farming to amount for it; it was the muddling, and the muddling only, that did it. His work was blind. He would never miss giving the pigs their dinner, he rose at half-past three in the morning, and foddered the cattle in the grey dawn, or milked a certain number of cows, with unvarying regularity. But he had no foresight, and no observation whatever. If you saw him crossing a field, and went after him, you might walk close behind, placing your foot in the mark just left by his shoe, and he would never know it. With his hands behind his back, and his eyes upon the ground, he would plod across the field, perfectly unconscious that any one was following him. He carried on the old rotation of cropping in the piece of arable land belonging to the farm, but in total oblivion of any advantage to be obtained by local change of treatment. He could plan nothing out for next year. He spent nothing, or next to nothing, on improved implements; but, on the other hand, he saved nothing, from a lack of resource and contrivance.
As the years went by he fell out of the social life of the times; that is, out of the social life of his own circle. He regularly fed the pigs; but when he heard that the neighbours, were all going in to the town to attend some important agricultural meeting, or to start some useful movement, he put his hands behind his back and said that he should not go; he did not understand anything about it. There never used to be anything of that sort. So he went in to luncheon on bread and cheese and small ale. Such a course could only bring him into the contempt of his fellow-men. He became a nonentity. No one had any respect for or confidence in him. Otherwise, possibly, he might have obtained powerful help, for the memory of what his family had been had not yet died out.
Men saw that he lived and worked as a labourer; they gave him no credit for the work, but they despised him for the meanness and churlishness of his life. There was neither a piano nor a decanter of sherry in