But perhaps one of the most vivid monetary sensations which a man experiences, is when he is paid the first instalment of the price of his labours. In an instant, he seems to rise and take a footing in the world. He has struck the first blow in his Battle of Life, and prostrated his antagonist, for whom, however, as soon as he has taken him captive, he conceives a particular affection. The glow of assured independence is a proud and manly feeling. The money is not given. That is the overmastering sensation. It is fairly earned. The recipient swells with honest pride as he thinks he is now a man working his way, and strides off a couple of inches higher than he came. This elevation of sentiment of course gradually dies away. The monetary sensation of the first-earned payment is not supported, but it is not forgotten, and insensibly, perhaps, to the recipient, it has at once heightened and deepened the moral qualities and tendencies of his spiritual being. From time to time, as remuneration ascends, a shade, as it were, of the first impression is recalled, particularly when the recipient perceives that at last—that great change in a young man's life—his 'settlement' may be accomplished. Here is another sensational era in his monetary experiences—the realisation of the grand fact that the struggle, always promising, is at length successful, and that he is now enlisted in the regular army of society. The elder Stephenson, when an occasional wage of a shilling per day was raised to a permanent two, flung up his hat, and exclaimed: 'Thank God! I'm a made man for life!' Here was a fine monetary sensation.

But there are also monetary sensations of quite a different species from those to which we have alluded. The sun shines on both sides of the hedge, and blank and dreary, if not dismaying and crushing, is the first trial of monetary difficulty. People, long struggling, get blunted to the res angustæ, precisely as people fast prospering do to the steady tide of wealth. The man who leaps heart-struck from his seat, as for the first time he contemplates a quarter's rent due and unprovided for, or the foolish fellow who groans in spirit over a protested bill returned upon the hand which he 'set' to it, merely for the convenience of acquaintance, and who has never thought of stamped paper since—such are two of the negative monetary associations which checker life; of course, their number is legion. The man who found his fairy gold transmuted into oak leaves, experienced a decided monetary sensation; but not more so than fell to the lot of many a speculator, who had bought to his last available penny in the Mississippi or the South-sea Bubbles; or, to come to more recent days, in the stock of fly-away English projected railways. To the mass of monetary sensations of the kind, we fear, must be added at the present day those produced by betting-offices. In these swindling dens, it is by no means uncommon to see children, whose heads hardly come above the counter, staking their shillings; even servant-maids haunt the 'office;' working-men abound, and clerks and shop-boys are great customers. Among these people, there ought to be a good crop of monetary sensations. In success, the little man-boy sees a grand vision of cheap cigars, and copper and paste jewellery; for the urchin early initiated in practical London-life, thinks of such things, and worse, when the country lad of the same age would dream of nothing beyond kites, fishing-tackle, or perhaps a gun. Molly, the housemaid, has her prospects of unbounded 'loves of dresses' and 'ducks of bonnets;' and the clerk and the shopman very possibly count upon their racing gains as the fruitful origin of 'sprees' and 'larks' innumerable. On the other hand, how has the money staked been acquired? The pawnbroker's shop and the till will very frequently figure in the answer. Pilfered half-crowns, or perhaps sovereigns, kept back from collected accounts; or, in domestic service, pledged spoons and forks, are frequently at the bottom of the betting transactions of these 'noble sportsmen.' Then comes the period of anticipation, and hope and fear. Bright visions of luck, on one hand; a black and down-sloping avenue, stopping at the jail door, on the other. Luck—and the stolen property can be replaced, with a handsome profit; the reverse—and the police-office, the magistrate, and the sessions, float before the tortured imagination of the 'sportsman.' Here, then, are some of the saddest, and—whether the result in any case be winning or losing—the most wearing and degrading of monetary sensations.

We turn, however, to a concluding and a more cheering experience connected with money, and which may be regarded as a sequel to the sensation of the first earnings. We allude to the first interest, to the receipt of the first sum which properly belongs to the recipient, and yet for which he has not immediately and directly toiled. Here another great step has been achieved. To earn money, was the first triumph; to make money earn money, is the second. There is something more significantly pleasing in the sensation with which the young up-struggler of the world receives his first instalment of interest, and yet remembers that all his original investment is still entire, than in all the lazy satisfaction with which a great stockholder—born perhaps to stockholding—gathers in his mighty dividends. For the first time, the former begins to feel a taste, just a taste, of the sweets of property, of the fruits of realisation, and of the double profits which labour, judiciously managed, will at length bestow. It is getting money for which he has worked and yet not worked, it is picking up the returning bread thrown upon the waters; and it is the first experienced sensation of a stable and assured position, of standing upon one's own feet, independent more or less absolutely of the caprices of fortune and the liking of employers. The first received amount of interest, however small it may be, assuredly calls up one of the not easily-forgotten eras of a man's life. There is nothing selfish or miserly in the fact. On the contrary, it is founded upon pure and natural feelings and impulses. The most generous man in the world likes to prosper, and the first received sum which his own money has bred, is a palpable proof that he is prospering. From his childish pose, he can recall the mental results attendant upon each step of his worldly career, and look back with interest and curiosity over what, in the course of his life, may have been his 'Monetary Sensations.'

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