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Mary and I were brought up in the strictest seclusion, My mother, being at once highly accomplished, well-informed, and fond of employment, took the whole charge of our education on herself, with the exception of Latin which my father undertook to teach us - so that we never even went to school; and, as there was no society in the neighbourhood, our only intercourse with the world consisted in a stately tea-party, now and then, with the principal farmers and tradespeople of the vicinity (just to avoid being stigmatized as too proud to consort with our neighbours), and an annual visit to our paternal grandfather's; where himself, our kind grandmamma, a maiden aunt, and two or three elderly ladies and gentlemen, were the only persons we ever saw. Sometimes our mother would amuse us with stories and anecdotes of her younger days, which, while they entertained us amazingly, frequently awoke - in me, at least - a secret wish to see a little more of the world.

I thought she must have been very happy: but she never seemed to regret past times. My father, however, whose temper was neither tranquil nor cheerful by nature, often unduly vexed himself with thinking of the sacrifices his dear wife had made for him; and troubled his head with revolving endless schemes for the augmentation of his little fortune, for her sake and ours. In vain my mother assured him she was quite satisfied, and if he would but lay by a little for the children, we should all have plenty, both for time present and to come: but saving was not my father's forte. He would not run in debt (at least, my mother took good care he should not), but while he had money he must spend it: he liked to see his house comfortable, and his wife and daughters well clothed, and well attended; and besides, he was charitably disposed, and liked to give to the poor, according to his means: or, as some might think, beyond them.

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At length, however, a kind friend suggested to him a means of doubling his private property at one stroke; and further increasing it, hereafter, to an untold amount. This friend was a merchant, a man of enterprising spirit and undoubted talent, who was somewhat straitened in his mercantile pursuits for want of capital; but generously proposed to give my father a fair share of his profits, if he would only entrust him with what he could spare; and he thought he might safely promise that whatever sum the latter chose to put into his hands, it should bring him in cent. per cent. The small patrimony was speedily sold, and the whole of its price was deposited in the hands of the friendly merchant; who as promptly proceeded to ship his cargo, and prepare for his voyage.

My father was delighted, so were we all, with our brightening prospects. For the present, it is true, we were reduced to the narrow income of the curacy; but my father seemed to think there was no necessity for scrupulously restricting our expenditure to that; so, with a standing bill at Mr. Jackson's, another at Smith's, and a third at Hobson's, we got along even more comfortably than before: though my mother affirmed we had better keep within bounds, for our prospects of wealth were but precarious after all; and if my father would only trust everything to her management, he should never feel himself stinted: but he, for once, was incorrigible.

What happy hours Mary and I have passed, while sitting at our work by the fire, or wandering on the heath-clad hills, or idling under the weeping birch (the only considerable tree in the garden), talking of future happiness to ourselves and our parents, of what we would do, and see, and possess; with no firmer foundation for our goodly superstructure, than the riches that were expected to flow in upon us from the success of the worthy merchant's speculations. Our father was nearly as bad as ourselves; only, that he affected not to be so much in

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earnest expressing his bright hopes and sanguine expectations, in jests and playful sallies, that always struck me as being exceedingly witty and pleasant. Our mother laughed with delight to see him so hopeful and happy: but still she feared he was setting his heart too much upon the matter; and once, I heard her whisper as she left the room, "God grant he be not disappointed! I know not how he would bear it."

Disappointed he was; and bitterly too. It came like a thunder-clap on us all, that the vessel which contained our fortune had been wrecked, and gone to the bottom with all its stores, together with several of the crew, and the unfortunate merchant himself. I was grieved for him; I was grieved for the overthrow of all our air-built castles: but, with the elasticity of youth, I soon recovered the shock.

Though riches had charms, poverty had no terrors for an inexperienced girl like me. Indeed, to say the truth, there was something exhilarating in the idea of being driven to straits, and thrown upon our own resources. I only wished papa, mamma, and Mary were all of the same mind as myself; and then, instead of lamenting past calamities, we might all cheerfully set to work to remedy them: and the greater the difficulties, the harder our present privations, the greater should be our cheerfulness to endure the latter, and our vigour to contend against the former.

Mary did not lament, but she brooded continually over the misfortune, and sank into a state of dejection from which no effort of mine could rouse her. I could not possibly bring her to regard the matter on its bright side as I did: and indeed I was so fearful of being charged with childish frivolity, or stupid insensibility, that I carefully kept most of my bright ideas and cheering notions to myself; well knowing they could not be appreciated.

My mother thought only of consoling my father, and pay

ing our debts and retrenching our expenditure by every available means; but my father was completely overwhelmed by the calamity: health, strength, and spirits sank beneath the blow; and he never wholly recovered them. In vain my mother strove to cheer him, by appealing to his piety, to his courage, to his affection for herself and us. That very affection was his greatest torment: it was for our sakes he had so ardently longed to increase his fortune it was our interest that had lent such brightness to his hopes, and that imparted such bitterness to his present distress. He now tormented himself with remorse at having neglected my mother's advice; which would at least, have saved him from the additional burden of debt-he vainly reproached himself for having brought her from the dignity, the ease, the luxury of her former station to toil with him through the cares and toils of poverty. It was gall and wormwood to his soul to see that splendid, highly accomplished woman, once so courted and admired, transformed into an active managing housewife, with hands and head continually occupied with household labours and household economy. The very willingness with which she performed these duties, the cheerfulness with which she bore her reverses, and the kindness which withheld her from imputing the smallest blame to him, were all perverted by this ingenious self- tormentor, into further aggravations of his sufferings. And thus the mind preyed upon the body, and disordered the system of the nerves, and they in turn increased the troubles of the mind, till by action and reaction his health was seriously impaired; and not one of us could convince him that the aspect of our affairs was not half so gloomy, so utterly hopeless, as his morbid imagination represented it to be.

The useful pony phaeton was sold, together with the stout well-fed ponythe old favourite that we had fully determined should end its days in peace, and never pass from our hands;

the little coach-house and stable were let; the servant boy, and the more efficient (being the more expensive) of the two maid- servants were dismissed. Our clothes were mended, turned, and darned to the utmost verge of decency; our food, always plain, was now simplified to an unprecedented degree except my father's favourite dishes; our coals and candles were painfully economized the pair of candles reduced to one, and that most sparingly used; the coals carefully husbanded in the half empty grate: especially when my father was out on his parish duties, or confined to bed through illness then we sat with our feet on the fender, scraping the perishing embers together from time to time, and occasionally adding a slight scattering of the dust and fragments of coal, just to keep them alive. As for our carpets, they in time, were worn threadbare, and patched and darned even to a greater extent than our garments. To save the expense of a gardener, Mary and I 'undertook to keep the garden in order; and all the cooking and household work that could not easily be managed by one servant girl, was done by my mother and sister, with a little occasional help from me: only a little, because, though a woman in my own estimation, I was still a child in theirs; and my mother, like most active, managing women, was not gifted with very active daughters: for this reason that being so clever and diligent herself, she was never tempted to trust her affairs to a deputy, but on the contrary, was willing to act and think for others as well as for number one; and whatever was the business in hand, she was apt to think that no one could do it so well as herself: so that whenever I offered to assist her, I received such an answer as "No, love, you cannot indeed - there's nothing here you can do. Go and help your sister, or get her to take a walk with you tell her she must not sit so much, and stay so constantly in the house as she does she may well look thin and dejected."

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