Mary Erskine used to take the greatest pleasure in getting up early in the cold winter mornings, and going out with her husband to see him feed the animals. She always brought in a large pile of wood every night, the last thing before going to bed, and laid it upon the hearth where it would be ready at hand for the morning fire. She also had a pail of water ready, from the spring, and the tea-kettle by the side of it, ready to be filled. The potatoes, too, which were to be roasted for breakfast, were always prepared the night before, and placed in an earthen pan, before the fire. Mary Erskine, in fact, was always very earnest to make every possible preparation over night, for the work of the morning. This arose partly from an instinctive impulse which made her always wish, as she expressed it, "to do every duty as soon as it came in sight," and partly from the pleasure which she derived from a morning visit to the animals in the barn. She knew them all by name. She imagined that they all knew her, and were glad to see her by the light of her lantern in the morning. It gave her the utmost satisfaction to see them rise, one after another, from their straw, and begin eagerly to eat the hay which Albert pitched down to them from the scaffold, while she, standing below upon the barn floor, held the lantern so that he could see. She was always very careful to hold it so that the cows and the oxen could see too.
One day, when Albert came home from the village, he told Mary Erskine that he had an offer of a loan of two hundred dollars, from Mr. Keep. Mr. Keep was an elderly gentleman of the village,-of a mild and gentle expression of countenance, and white hair. He was a man of large property, and often had money to lend at interest. He had an office, where he used to do his business. This office was in a wing of his house, which was a large and handsome house in the center of the village. Mr. Keep had a son who was a physician, and he used often to ask his son's opinion and advice about his affairs. One day when Mr. Keep was sitting in his office, Mr. Gordon came in and told him that he had some plans for enlarging his business a little, and wished to know if Mr. Keep had two or three hundred dollars that he would like to lend for six months. Mr. Keep, who, though he was a very benevolent and a very honorable man, was very careful in all his money dealings, said that he would look a little into his accounts, and see how much he had to spare, and let Mr. Gordon know the next day.
That night Mr. Keep asked his son what he thought of lending Mr. Gordon two or three hundred dollars. His son said doubtfully that he did not know. He was somewhat uncertain about it. Mr. Gordon was doing very well, he believed, but then his expenses were quite heavy, and it was not quite certain how it would turn with him. Mr. Keep then said that he had two or three hundred dollars on hand which he must dispose of in some way or other, and he asked his son what he should do with it. His son recommended that he should offer it to Albert. Albert formerly lived at Mr. Keep's, as a hired man, so that Mr. Keep knew him very well.
"He is going on quite prosperously in his farm, I understand," said the doctor. "His land is all paid for, and he is getting quite a stock of cattle, and very comfortable buildings. I think it very likely that he can buy more stock with the money, and do well with it. And, at all events, you could not put the money in safer hands."
"I will propose it to him," said Mr. Keep.
He did propose it to him that very afternoon, for it happened that Albert went to the village that day. Albert told Mr. Keep that he was very much obliged to him for the offer of the money, and that he would consider whether it would be best for him to take it or not, and let him know in the morning. So he told Mary Erskine of the offer that he had had, as soon as he got home.
"I am very glad to get such an offer," said Albert.
"Shall you take the money?" said his wife.
"I don't know," replied Albert. "I rather think not."
"Then why are you glad to get the offer?" asked Mary Erskine.
"Oh, it shows that my credit is good in the village. It must be very good, indeed, to lead such a man as Mr. Keep to offer to lend me money, of his own accord. It is a considerable comfort to know that I can get money, whenever I want it, even if I never take it."
"Yes," said Mary Erskine, "so it is."
"And it is all owing to you," said Albert.
"To me?" said Mary Erskine.
"Yes," said he; "to your prudence and economy, and to your contented and happy disposition. That is one thing that I always liked you for. It is so easy to make you happy. There is many a wife, in your situation, who could not have been happy unless their husband would build them a handsome house and fill it with handsome furniture-even if he had to go in debt for his land to pay for it."
Mary Erskine did not reply, though it gratified her very much to hear her husband commend her.
"Well," said she at length, "I am very glad that you have got good credit. What should you do with the money, if you borrowed it?"
"Why, one thing that I could do," said Albert, "would be to build a new house."
"No," said Mary Erskine, "I like this house very much. I don't want any other-certainly not until we can build one with our own money."
"Then," said Albert, "I can buy more stock, and perhaps hire some help, and get more land cleared this fall, so as to have greater crops next spring, and then sell the stock when it has grown and increased, and also the crops, and so get money enough to pay back the debt and have something over."
"Should you have much over?" asked Mary.
"Why that would depend upon how my business turned out,-and that would depend upon the weather, and the markets, and other things which we can not now foresee. I think it probable that we should have a good deal over."
"Well," said Mary Erskine, "then I would take the money."
"But, then, on the other hand," said Albert, "I should run some risk of embarrassing myself, if things did not turn out well. If I were to be sick, so that I could not attend to so much business, or if I should Jose any of my stock, or if the crops should not do well, then I might not get enough to pay back the debt."
"And what should you do then?" asked Mary Erskine.
"Why then," replied Albert, "I should have to make up the deficiency in some other way. I might ask Mr. Keep to put off the payment of the note, or I might borrow the money of somebody else to pay him, or I might sell some of my other stock. I could do any of these things well enough, but it would perhaps cause me some trouble and anxiety."
"Then I would not take the money," said Mary Erskine. "I don't like anxiety. I can bear any thing else better than anxiety."
"However, I don't know any thing about it," continued Mary Erskine, after a short pause. "You can judge best."
They conversed on the subject some time longer, Albert being quite at a loss to know what it was best to do. Mary Erskine, for her part, seemed perfectly willing that he should borrow the money to buy more stock, as she liked the idea of having more oxen, sheep, and cows. But she seemed decidedly opposed to using borrowed money to build a new house, or to buy new furniture. Her head would ache, she said, to lie on a pillow of feathers that was not paid for.
Albert finally concluded not to borrow the money, and so Mr. Keep lent it to Mr. Gordon.
Things went on in this way for about three or four years, and then Albert began to think seriously of building another house. He had now money enough of his own to build it with. His stock had become so large that he had not sufficient barn room for his hay, and he did not wish to build larger barns where he then lived, for in the course of his clearings he had found a much better place for a house than the one which they had at first selected. Then his house was beginning to be too small for his family, for Mary Erskine had, now, two children. One was an infant, and the other was about two years old. These children slept in a trundle-bed, which was pushed under the great bed in the daytime, but still the room became rather crowded. So Albert determined to build another house.