Out Of The Debt Out Of Danger

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Title:     Out Of The Debt Out Of Danger
Author: Maria Edgeworth [More Titles by Edgeworth]

CHAPTER I.

Leonard Ludgate was the only son and heir of a London haberdasher, who had made some money by constant attendance to his shop. "Out of debt out of danger," was the father's old-fashioned saying. The son's more liberal maxim was, "Spend to-day, and spare to-morrow." Whilst he was under his father's eye, it was not in his power to live up to his principles; and he longed for the time when he should be relieved from his post behind the counter: a situation which he deemed highly unworthy a youth of his parts and spirit. To imprison his elegant person behind a counter in Cranbourne-alley was, to be sure, in a cruel father's power; but his tyranny could not extend to his mind; and, whilst he was weighing minikin pins, or measuring out penny ribbon, his soul, leaving all these meaner things, was expatiating in Bond-street or Hyde-park. Whilst his fingers mechanically adjusted the scales, or carelessly slipped the yard, his imagination was galloping a fine bay with Tom Lewis, or driving Miss Belle Perkins in a gig.

Now Tom Lewis was a dashing young citizen, whom old Ludgate could not endure; and Miss Belle Perkins a would-be fine lady, whom he advised his son never to think of for a wife. But the happy moment at length arrived, when our hero could safely show how much he despised both the advice and the character of his father; when he could quit his nook behind the counter, throw aside the yard, assume the whip, and affect the fine gentleman. In short, the happy moment came when his father died.

Leonard now shone forth in all the glory which the united powers of tailor, hatter, and hosier, could spread around lug person. Miss Belle Perkins, who had hitherto looked down upon our hero as a reptile of Cranbourne-alley, beheld his metamorphosis with surprise and admiration. And she, who had formerly been heard to say, "she would not touch him with a pair of tongs," now unreluctantly gave him her envied hand at a ball at Bagnigge Wells. Report farther adds that, at tea, Miss Belle whispered loud enough to be heard, that since his queer father's death, Leonard Ludgate had turned out quite a genteeler sort of person than could have been expected.

"Upon this hint he spake." His fair one, after assuming all proper and becoming airs upon the occasion, suffered herself to be prevailed upon to call, with her mother and a friend, at Mr. Ludgate's house in Cranbourne-alley, to see whether it could be possibly inhabited by a lady of her taste and consequence.

As Leonard handed her out of her hackney-coach, she exclaimed, "Bless us, and be we to go up this paved lane, and through the shop, before we can get to the more creditabler apartments?"

"I'm going to cut a passage off the shop, which I've long had in contemplation," replied our hero; "only I can't get light into it cleverly."

"Oh! a lamp in the style of a chandaleer will do vastly well by night, which is the time one wants one's house to put the best foot foremost, for company; and by day we can make a shift, somehow or other, I dare say. Any thing's better than trapesing through a shop; which is a thing I've never been used to, and cannot reconcile myself to by any means."

Leonard immediately acceded to this scheme of the dark passage by day, and the chandaleer by night; and he hurried his fair one through the odious shop to the more creditabler apartments. She was handed above, about, and underneath. She found every particle of the house wanted modernizing immensely, and was altogether smaller than she could ever have conceived beforehand. Our hero, ambitious at once to show his gallantry, spirit, and taste, incessantly protested he would adopt every improvement Miss Belle Perkins could suggest; and he declared that the identical same ideas had occurred to him a hundred and a hundred times, during his poor father's lifetime: but he could never make the old gentleman enter into any thing of the sort, his notions of life being utterly limited, to say no worse. "He had one old saw, for ever grating in my ears, as an answer to everything that bore the stamp of gentility, or carried with it an air of spirit: hey, Allen!" continued our hero, looking over his shoulder at a young man who was casting up accounts; "hey, Allen--you remember the old saw?"

"Yes, sir," replied the young man, "if you mean, 'Out of debt out of danger:' I hope I shall never forget it."

"I hope so too; as you have your fortune to make, it is very proper for you: but for one that has a fortune ready made to spend, I am free to confess I think my principle worth a million of it: and my maxim is, 'Spend to-day, and spare to-morrow:' hey, ladies?" concluded Leonard, appealing with an air secure of approbation to his fair mistress and her young companion.

"Why that suits my notions, I must own candidly," said Belle; "but here's one beside me, or behind me--Where are you, Lucy?" pursued the young lady, addressing herself to her humble companion: "here's one, who is more of your shop-man's way of thinking than yours, I fancy. 'Out of debt out of danger' is just a sober saying to your mind, an't it, Lucy?"

Lucy did not deny the charge. "Well, child," said Miss Perkins, "it's very proper, for you have no fortune of your own to spend."

"It is, indeed," said Lucy, with modest firmness; "for as I have none of my own, if it were my maxim to spend to-day and spare to-morrow, I should be obliged to spend other people's money, which I never will do as long as I can maintain myself independently."

"How proud we are!" cried Miss Perkins, sarcastically. Leonard assented to the sarcasm by his looks; but Allen declared he liked proper pride, and seemed to think that Lucy's was of this species.

An argument might have ensued, if a collation, as Mr. Ludgate called it, had not appeared at this critical moment. Of what it consisted, and how genteelly and gallantly our hero did the honours of his collation, we forbear to relate; but one material circumstance we must not omit, as on this, perhaps more than even on his gentility and gallantry, depended the fortune of the day. In rummaging over a desk to find a corkscrew, young Ludgate took occasion to open and shake a pocket-book, from which fell a shower of bank notes. What effect they produced upon his fair one, and on her mother, can be best judged of by the event. Miss Belle Perkins, after this domiciliary visit, consented to go with our hero on Sunday to Kensington Gardens, Monday to Sadler's Wells, Tuesday on the water, Wednesday to the play, Thursday the Lord knows to what ball, Friday to Vauxhall, and on Saturday to--the altar!

Some people thought the young lady and gentleman rather precipitate; but these were persons who, as the bride justly observed, did not understand any thing in nature of a love match. Those who have more liberal notions, and a more extensive knowledge of the human heart, can readily comprehend how a lady may think a man so odious at one minute, that she could not touch him with a pair of tongs, and so charming the next, that she would die a thousand deaths for him, and him alone. Immediately after the ceremony was performed, Mr. and Mrs. Ludgate went down in the hoy to Margate, to spend their honeymoon in style. Their honeymoon, alas! could not be prolonged beyond the usual bounds. Even the joys of Margate could not be eternal, and the day came too soon when our happy pair were obliged to think of returning home. Home! With what different sensations different people pronounce and hear that word pronounced! Mrs. Leonard Ludgate's home in Cranbourne-alley appeared to her, as she scrupled not to declare, an intolerable low place, after Margate. The stipulated alterations, her husband observed, had been made in the house, but none of them had been executed to her satisfaction. The expedient of the dark passage was not found to succeed: a thorough wind, from the front and back doors, ran along it when either or both were left open to admit light; and this wicked wind, not content with running along the passage, forced its way up and down stairs, made the kitchen chimney smoke, and rendered even the more creditabler apartments scarcely habitable. Chimney doctors were in vain consulted: the favourite dark passage was at length abandoned, and the lady, to her utter discomfiture, was obliged to pass through the shop.

To make herself amends for this mortification, she insisted upon throwing down the partition between the dining-room and her own bedchamber, that she might have one decent apartment at least fit for a rout. It was to no purpose that her friend Lucy, who was called in to assist in making up furniture, represented that this scheme of throwing bedchamber and dining-room into one would be attended with some inconveniences; for instance, that Mr. and Mrs. Ludgate would be obliged, in consequence of this improvement, to sleep in half of the maid's garret, or to sit up all night. This objection was overruled by Mrs. Ludgate, whose genius, fertile in expedients, made every thing easy, by the introduction of a bed in the dining-room, in the shape of a sofa. The newly-enlarged apartment, she observed, would thus answer the double purposes of show and utility; and, as soon as the supper and card tables should be removed, the sofa-bed might be let down. She asserted that the first people in London manage in this way. Leonard could not contradict his lady, because she had a ready method of silencing him, by asking how he could possibly know any thing of life who had lived all his days, except Sundays, in Cranbourne-alley? Then, if any one of his father's old notions of economy by chance twinged his conscience, Belle very judiciously asked how he ever came to think of her for a wife? "Since you have got a genteel wife," said she, "it becomes you to live up to her notions, and to treat her as she and her friends have a right to expect. Before I married you, sir, none of the Perkins's were in trade themselves, either directly or indirectly; and many's the slights and reproaches I've met with from my own relations and former acquaintances, since my marriage, on account of the Ludgates being all tradesfolks; to which I always answer, that my Leonard is going to wash his hands of trade himself, and to make over all concern in the haberdashery line and shop to the young man below stairs, who is much better suited to such things."

By such speeches as these, alternately piquing and soothing the vanity of her Leonard, our accomplished wife worked him to her purposes. She had a rout once a week; and her room was so crowded, that there was scarcely a possibility of breathing. Yet, notwithstanding all this, she one morning declared, with a burst of tears, she was the most miserable woman in the world. And why? Because her friend, Mrs. Pimlico, Miss Coxeater that was, had a house in Weymouth-street; whilst she was forced to keep on being buried in Cranbourne-alley. Mr. Ludgate was moved by his wife's tears, and by his own ambition, and took a house in Weymouth-street. But before they had been there six weeks, the fair one was again found bathed in tears. And why? "Because," said Belle, "because, Mr. Ludgate, the furniture of this house is as old as Methusalem's; and my friend, Mrs. Pimlico, said yesterday that it was a shame to be seen: and so to be sure it is, compared with her own, which is spick and span new. Yet why should she pretend to look down upon me in point of furniture, or any thing? Who was she, before she was married? Little Kitty Coxeater, as we always called her at the dancing school; and nobody ever thought of comparing her, in point of gentility, with Belle Perkins! Why, she is as ugly as sin! though she is my friend, I must acknowledge that; and, if she had all the clothes in the world, she would never know how to put any of them on; that's one comfort. And, as every body says, to be sure she never would have got a husband but for her money. And, after all, what sort of a husband has she got? A perfumer, indeed! a man with a face like one of his own wash-balls, all manner of colours. I declare, I would rather have gone without to the end of my days than have married Mr. Pimlico."

"I cannot blame you there, my dear," said Mr. Ludgate; "for to be sure Mr. Pimlico, much as he thinks of himself and his country house, has as little the air of--the air of fashion as can be well conceived."

Leonard Ludgate made an emphatic pause in this speech; and surveyed himself in a looking-glass with much complacency, whilst he pronounced the word fashion. He, indeed, approved so much of his wife's taste and discernment, in preferring him to Mr. Pimlico, that he could not at this moment help inclining to follow her judgment respecting the furniture. He acceded to her position, that the Ludgates ought to appear at least no shabbier than the Pimlicos. The conclusion was inevitable: Leonard, according to his favourite maxim of "Spend to-day, and spare to-morrow," agreed that they might new furnish the house this year, and pay for it the next. This was immediately done; and the same principle was extended through all their household affairs, as far as the tradesmen concerned would admit of its being carried into practice.

By this means, Mr. and Mrs. Ludgate were not for some time sensible of the difficulties they were preparing for themselves. They went on vying with the Pimlicos, and with all their new acquaintance, who were many of them much richer than themselves; and of this vain competition there was no end. Those who estimate happiness not by the real comforts or luxuries which they enjoy, but by comparison between themselves and their neighbours, must be subject to continual mortification and discontent. Far from being happier than they were formerly, Mr. and Mrs. Ludgate were much more miserable after their removal to Weymouth-street. Was it not better to be the first person in Cranbourne-alley than the last in Weymouth-street? New wants and wishes continually arose in their new situation. They must live like other people. Everybody, that is, everybody in Weymouth-street, did so and so; and, therefore, they must do the same. They must go to such a place, or they must have such a thing, not because it was in itself necessary or desirable, but because everybody, that is, everybody of their acquaintance, did or had the same. Even to be upon a footing with their new neighbours was a matter of some difficulty; and then merely to be upon an equality, merely to be admitted and suffered at parties, is awkward and humiliating. Noble ambition prompted them continually to aim at distinction. The desire to attain il poco piu--the little more, stimulates to excellence, or betrays to ruin, according to the objects of our ambition. No artist ever took more pains to surpass Raphael or Correggio than was taken by Mr. and Mrs. Ludgate to outshine Mr. and Mrs. Pimlico. And still what they had done seemed nothing: what they were to do occupied all their thoughts. No timid economical fears could stop or even startle them in the road to ruin. Faithful to his maxim, our hero denied himself nothing. If, for a moment, the idea that any thing was too expensive suggested itself, his wife banished care by observing, "We need not pay for it now. What signifies it, since we need not think of paying for it till next year?" She had abundance of arguments of similar solidity, adapted to all occasions. Sometimes the thing in question was such a trifle it could not ruin anybody. "'Tis but a guinea! 'Tis but a few shillings!" Sometimes it was a sort of thing that could not ruin anybody, because "'Tis but for once and away!" 'Tis but is a most dangerous thing! How many guineas may be spent upon 'tis but, in the course of one year, in such a city as London!

Bargains! excellent bargains! were also with our heroine admirable pleas for expense. "We positively must buy this, my dear; for it would be a sin to let such a bargain slip through one's fingers. Mrs. Pimlico paid twice as much for what is not half as good. 'Twould be quite a shame to one's good sense to miss such a bargain!" Mrs. Ludgate was one of those ladies who think it is more reasonable to buy a thing because it is a bargain than because they want it: she farther argued, "If we don't want it, we may want it:" and this was a satisfactory plea.

Under the head bargains we must not forget cheap days. Messrs. Run and Raffle advertised a sale of old shop goods, with the catching words--cheap days! Everybody crowded to throw away their money on cheap days; and, amongst the rest, Mrs. Ludgate.

One circumstance was rather disagreeable in these cheap days: ready money was required; and this did not suit those who lived by the favourite maxim of the family. Yet there was a reason that counterbalanced their objection in Mrs. Ludgate's mind: "Mrs. Pimlico was going to Messrs. Run and Raffle's and what would she think, if I wasn't to be there? She'd think, to be sure, that we were as poor as Job." So, to demonstrate that she had ready money to throw away, Mrs. Ludgate must go on the cheap days.

"Belle," said her husband, "ready money's a serious thing."

"Yes, Leonard, but, when nothing else will be taken, you know, one can't do without it."

"But, if one has not it, I tell you, one must do without it," said Leonard peevishly.

"Lord, Mr. Ludgate, if you have not it about you, can't you send to Cranbourne-alley, to Mr. Allen, for some for me? 'Tis but a few guineas I want; and 'twould be a shame to miss such bargains as are to be had for nothing, at Run and Raffle's. And these cheap days are extraordinary things. It can't ruin any body to spend a guinea or two, once and away, like other people."

At the conclusion of her eloquent speech, Mrs. Ludgate rang the bell; and, without waiting for any assent from her husband but silence, bade the footman run to the shop, and desire Allen to send her ten guineas immediately.

Mr. Ludgate looked sullen, whistled, and then posted himself at the parlour window to watch for the ambassador's return. "I wonder," continued Mrs. Ludgate, "I wonder, Leonard, that you let Allen leave you so bare of cash of late! It is very disagreeable to be always sending out of the house, this way, for odd guineas. Allen, I think, uses you very ill; but I am sure I would not let him cheat me, if I was you. Pray, when you gave up the business of the shop to him, was not you to have half the profits for your good-will, and name, and all that!"

"Yes."

"And little enough! But why don't you look after Allen, then, and make him pay us what he owes us?"

"I'll see about it to-morrow, child."

"About how much do you think is owing to us?" pursued Mrs. Ludgate.

"I can't tell, ma'am."

"I wish then you'd settle accounts to-morrow, that I might have some ready money."

The lady seemed to take it for granted that her having ready money would be the necessary and immediate consequence of settling accounts with Allen; her husband could have set her right in this particular, and could have informed her that not a farthing was due to him; that, on the contrary, he had taken up money in advance, on the next half year's expected profits; but Mr. Ludgate was ashamed to let his wife know the real state of his affairs: indeed, he was afraid to look them in the face himself. "Here's the boy coming back!" cried he, after watching for some time in silence at the window.

Leonard went to the street-door to meet him; and Belle followed close, crying, "Well! I hope Allen has sent me the money?"

"I don't know," said the breathless boy. "I have a letter for my master, here, that was written ready, by good luck, afore I got there."

Leonard snatched the letter; and his wife waited to see whether the money was enclosed.

"The rascal has sent me no money, I see, but a letter, and an account as long as my arm."

"No money!" cried Belle; "that's using us very oddly and ill, indeed; and I wonder you submit to such conduct! I declare I won't bear it! Go back, I say, Jack; go, run this minute, and tell Allen he must come up himself; for I, Mrs. Ludgate, wants to speak with him."

"No, my dear, no; nonsense! don't go, Jack. What signifies your sending to speak with Allen? What can you do? How can you settle accounts with him? What should women know of business? I wish women would never meddle with things they don't understand."

"Women can understand well enough when they want money," cried the sharp lady; "and the short and the long of it is, Mr. Ludgate, that I will see and settle accounts with Allen myself; and bring him to reason, if you won't; and this minute, too."

"Bless me! upon my faith, Allen's better than we thought: here's bank-notes within the account," said Mr. Ludgate.

"Ay, I thought he could not be so very impertinent as to refuse when I sent to him myself. But this is only one five pound note: I sent for ten. Where is the other?"

"I want the other myself," said her husband.

The tone was so peremptory, that she dared not tempt him further; and away she went to Messrs. Run and Raffle's, where she had the pleasure of buying a bargain of things that were of no manner of use to her, and for which she paid twice as much as they were worth. These cheap days proved dear days to many.

Whilst Mrs. Ludgate spent the morning at Messrs. Run and Raffle's, her husband was with Tom Lewis, lounging up and down Bond-street. Tom Lewis being just one step above him in gentility, was invited to parties where Ludgate could not gain admittance, was bowed to by people who never bowed to Leonard Ludgate, could tell to whom this livery or that carriage belonged, knew who everybody was, and could point out my lord this, and my lady that, in the park or at the play. All these things made him a personage of prodigious consequence in the eyes of our hero, who looked upon him as the mirror of fashion. Tom knew how to take advantage of this admiration, and borrowed many a guinea from him in their morning walks: in return, he introduced Mr. Ludgate to some of his friends, and to his club.

New occasions, or rather new necessities, for expense occurred every day, in consequence of his connexion with Lewis. Whilst he aimed at being thought a young man of spirit, he could not avoid doing as other people did. He could not think of economy! That would be shabby! On his fortune rested his claims to respect from his present associates; and, therefore, it was his constant aim to raise their opinion of his riches. For some time, extravagance was not immediately checked by the want of money, because he put off the evil day of payment. At last, when bills poured in upon him, and the frequent calls of tradesmen began to be troublesome, he got rid of the present difficulty by referring them to Allen. "Go to Allen; he must settle with you: he does all my business."

Allen sent him account after account, stating the sums he paid by his order. Ludgate thrust the unread accounts into his escritoire, and thought no more of the matter. Allen called upon him, to beg he would come to some settlement, as he was getting more and more, every day, into his debt. Leonard desired to have an account, stated in full, and promised to look over it on Monday: but Monday came, and then it was put off till Tuesday; and so on, day after day.

The more reason he had to know that his affairs were deranged, the more carefully he concealed all knowledge of them from his wife. Her ignorance of the truth not only led her daily into fresh extravagance, but was, at last, the cause of bringing things to a premature explanation. After spending the morning at Messrs. Run and Raffle's, she returned home with a hackney-coach full of bargains. As she came into the parlour, loaded with things that she did not want, she was surprised by the sight of an old friend, whom she had lately treated entirely as a stranger. It was Lucy, who had in former days been her favourite companion. But Lucy had chosen to work, to support herself independently, rather than to be a burden to her friends; and Mrs. Ludgate could not take notice of a person who had degraded herself so far as to become a workwoman at an upholsterer's. She had consequently never seen Lucy since this event took place, except when she went to Mr. Beech the upholsterer's, to order her new furniture. She then was in company with Mrs. Pimlico: and, when she saw Lucy at work in a back parlour with two or three other young women, she pretended not to know her. Lucy could scarcely believe that this was done on purpose; and, at all events, she was not mortified by the insult. She was now come to speak to Mrs. Ludgate about the upholsterer's bill.

"Ha! Lucy, is it you?" said Mrs. Ludgate, as soon as she entered. "I've never seen you in Weymouth-street before! How comes it you never called, if it was only to see our new house? I'm sure I should always be very happy to have you here--when we've nobody with us; and I'm quite sorry as I can't ask you to stay and take a bit of mutton with us to-day, because I'm engaged to dine in Bond-street, with Mrs. Pimlico's cousin, pretty Mrs. Paget, the bride whom you've heard talk of, no doubt. So you'll excuse me if I run away from you, to make myself a little decent; for it's horrid late!"

After running off this speech, with an air and a volubility worthy of her betters, she set before Lucy some of her bargains, and was then retreating to make herself decent; but Lucy stopped her, by saying, "My dear Mrs. Ludgate, I am sorry to detain you, but Mr. Beech, the upholsterer, knowing I have been acquainted with you, has sent me to speak to you about his bill. He is in immediate want of money, because he is fitting out one of his sons for the East Indies."

"Well! but his son's nothing to me! I sha'n't think of paying the bill yet, I can assure him; and you may take it back, and tell him so."

"But," said Lucy, "if I take back such an answer, I am afraid Mr. Beech will send the bill to Mr. Ludgate; and that was what you particularly desired should not be done."

"Why, no; that's what I can't say I should particularly wish, just at present," said Mrs. Ludgate, lowering her tone "because, to tell you a bit of a secret, Lucy, I've run up rather an unconsciable bill, this year, with my milliner and mantua-maker; and I would not have all them bills come upon him all in a lump, and on a sudden, as it were; especially as I laid out more on the furniture than he counts. So, my dear Lucy, I'll tell you what you must do: you must use your influence with Beech to make him wait a little longer. I'm sure he may wait well enough; and he shall be paid next month."

Lucy declared that her influence, on the present occasion, would be of no avail; but she had the good-nature to add, "If you are sure the bill can be paid next month, I will leave my two years' salary in Mr. Beech's hands till then; and this will perhaps satisfy him, if he can get bills from other people paid, to make up the money for his son. He said thirty guineas from you on account would do, for the present; and that sum is due to me."

"Then, my dearest Lucy, for Heaven's sake, do leave it in his hands! You were a good creature to think of it; but you always were a good creature."

"Your mother used to be kind to me, when I was a child; and I am sure I ought not to forget it," said Lucy, the tears starting into her eyes: "and you were once kind to me; I do not forget that," continued Lucy, wiping the tears from her cheeks.--"But do not let me detain you; you are in a hurry to dress to go to Mrs. Pimlico's."

"No--pray--I am not in a hurry now," said Mrs. Ludgate, who had the grace to blush at this instant. "But, if you must go, do take this hat along with you. I assure you it's quite the rage: I got it this morning at Run and Raffle's, and Mrs. Pimlico and Mrs. Paget have got the same."

Lucy declined accepting the hat, notwithstanding this strong and, as Mrs. Ludgate would have thought it, irresistible recommendation. "Now you must have it: it will become you a thousand times better than that you have on," cried Mrs. Ludgate, insisting the more the more Lucy withdrew; "and, besides, you must wear it for my sake. You won't? Then I take it very ill of you that you are so positive; for I assure you, whatever you may think, I wish to be as kind to you now as ever. Only, you know, one can't always, when one lives in another style, be at home as often as one wishes."

Lucy relieved her ci-devant friend from the necessity of making any more awkward apologies, by moving quickly towards the door. "Then you won't forget," continued Mrs. Ludgate, following her into the passage, "you won't forget the job you are to do for me with Beech?"

"Certainly I shall not. I will do what I have promised: but I hope you will be punctual about the payment next month," said Lucy, "because I believe I shall be in want of my money at that time. It is best to tell you exactly the truth."

"Certainly! certainly! you shall have your money before you want it, long and long; and my only reason for borrowing it from you at all is, that I don't like to trouble Mr. Ludgate, till he has settled accounts with Allen, who keeps all our money from us in a strange way; and, in my opinion, uses Leonard exceedingly ill and unfairly."

"Allen!" cried Lucy, stopping short. "Oh, Belle! how can you say so? How can you think so? But you know nothing of him, else you could not suspect him of using any one ill, or unfairly; much less your husband, the son of his old friend."

"Bless me! how she runs on! and how she colours! I am sure I didn't know I was upon such tender ground! I did not know Allen was such a prodigious favourite!"

"I only do him justice in saying that I am certain he could not do an unfair or unhandsome action."

"I know nothing of the matter, I protest; only this--that short accounts, they say, make long friends; and I hope I sha'n't affront any body by saying, it would be very convenient if he could be got to settle with Mr. Ludgate, who, I am sure, is too much the gentleman to ask any thing from him but his own; which, indeed, if it was not for me, he'd be too genteel to mention. But, as I said before, short accounts make long friends; and, as you are so much Allen's friend, you can hint that to him."

"I shall not hint, but say it to him as plainly as possible," replied Lucy; "and you may be certain that he will come to settle accounts with Mr. Ludgate before night." "I am sure I shall be mighty glad of it; and so will Mr. Ludgate," said Belle; and thus they parted.

Mrs. Ludgate with triumph announced to her husband, upon his return home, that she had brought affairs to a crisis with Allen; and that he would come to settle his accounts this evening. The surprise and consternation which appeared in Mr. Ludgate's countenance, convinced the lady that her interference was highly disagreeable.

 

CHAPTER II.

Allen came punctually in the evening to settle his accounts. When he and Leonard were by themselves, he could not help expressing some astonishment, mixed with indignation, at the hints which had been thrown out by Mrs. Ludgate.

"Why, she knows nothing of the matter," said Ludgate. "I've no notion of talking of such things to one's wife; it would only make her uneasy; and we shall be able to go on some way or other. So let us have another bottle of wine, and talk no more of business for this night."

Allen would by no means consent to put off the settlement of accounts, after what had passed. "Short accounts," said he, "as Mrs. Ludgate observed, make long friends."

It appeared, when the statement of affairs was completed, that Allen had advanced above three hundred pounds for Leonard; and bills to a large amount still remained unpaid.

Now it happened that Jack, the footboy, contrived to go in and out of the room several times, whilst Mr. Ludgate and Allen were talking; and he, finding it more for his interest to serve his master's tradesmen than his master, sent immediate notice to all whom it might concern, that Mr. Ludgate's affairs were in a bad way, and that now or never must be the word with his creditors. The next morning bills came showering in upon Leonard whilst he was at breakfast, and amongst them came sundry bills of Mrs. Ludgate's. They could not possibly have come at a more inauspicious moment. People bespeak goods with one species of enthusiasm, and look over their bills with another. We should rather have said people spend with one enthusiasm, and pay with another; but this observation would not apply to our present purpose, for Mr. and Mrs. Ludgate had never yet experienced the pleasure or the pain of paying their debts; they had hitherto been faithful to their maxim of "Spend to-day, and pay to-morrow."

They agreed well in the beginning of their career of extravagance; but the very similarity of their tastes and habits proved ultimately the cause of the most violent quarrels. As they both were expensive, selfish, and self-willed, neither would, from regard to the other, forbear. Comparisons between their different degrees of extravagance commenced; and, once begun, they never ended. It was impossible to settle, to the satisfaction of either party, which of them was most to blame. Recrimination and reproaches were hourly and daily repeated; and the lady usually ended by bursting into tears, and the gentleman by taking his hat and walking out of the house.

In the meantime, the bills must be paid. Mr. Ludgate was obliged to sell the whole of his interest in the shop in Cranbourne-alley; and the ready money he received from Allen was to clear him from all difficulties. Allen came to pay him this sum. "Do not think me impertinent, Mr. Ludgate," said he, "but I cannot for the soul of me help fearing for you. What will you do, when this money is gone? and go it must, at the rate you live, in a very short time."

"You are very good, sir," replied Leonard, coldly, "to interest yourself so much in my concerns; but I shall live at what rate I please. Every man is the best judge of his own affairs."

After this repulse Allen could interfere no further. But when two months had elapsed from the date of Mrs. Ludgate's promised payment of the upholsterer's bill, Lucy resolved to call again upon Mrs. Ludgate. Lucy had now a particular occasion for the money: she was going to be married to Allen, and she wished to put into her husband's hands the little fortune which she had so hardly earned by her own industry. From the time that Allen heard her conversation, when Belle came to view the house in Cranbourne-alley, he had been of opinion that she would make an excellent wife: and the circumstances which sunk Lucy below Mrs. Ludgate's notice raised her in the esteem and affection of this prudent and sensible young man. He did not despise--he admired her for going into a creditable business, to make herself independent, instead of living as an humble companion with Mrs. Ludgate, of whose conduct and character she could not approve.

When Lucy called again upon Mrs. Ludgate to remind her of her promise, she was received with evident confusion. She was employed in directing Mr. Green, a builder, to throw out a bow in her dining-room, and to add a balcony to the windows; for Mrs. Pimlico had a bow and a balcony, and how could Mrs. Ludgate live without them?

"Surely, my dear Mrs. Ludgate," said Lucy, drawing her aside, so that the man who was measuring the windows could not hear what she said, "surely you will think of paying Mr. Beech's bill, as you promised, before you go into any new expense?"

"Hush! hush! don't speak so loud. Leonard is in the next room; and I would not have him hear any thing of Beech's bill, just when the man's here about the balcony, for any thing in the world!"

Lucy, though she was good-natured, was not so weak as to yield to airs and capricious extravagance; and Mrs. Ludgate at last, though with a bad grace, paid her the money which she had intended to lay out in a very different manner. But no sooner had she paid this debt than she considered how she could prevail upon Mr. Green to throw out the bow, and finish the balcony, without paying him for certain alterations he had made in the house in Cranbourne-alley, for which he had never yet received one farthing. It was rather a difficult business, for Mr. Green was a sturdy man, and used to regular payments. He resisted all persuasion, and Mrs. Ludgate was forced again to have recourse to Lucy.

"Do, my dear girl," said she, "lend me only twenty guineas for this positive man; else, you see, I cannot have my balcony." This did not appear to Lucy the greatest of all misfortunes. "But is it not much more disagreeable to be always in debt and danger, than to live in a room without a balcony?" said Lucy.

"Why it is disagreeable, certainly, to be in debt, because of being dunned continually; but the reason I'm so anxious about the balcony, is that Mrs. Pimlico has one, and that's the only thing in which her house is better than mine. Look just over the way: do you see Mrs. Pimlico's beautiful balcony?"

Mrs. Ludgate who had thrust her head far out of the window, pulling Lucy along with her, now suddenly drew back, exclaiming, "Lord, if here is not that odious woman; I hope Jack won't let her in."--She shut the window hastily, ran to the top of the stairs, and called out, "Jack! I say, Jack; don't let nurse in for your life."

"Not if she has the child with her, ma'am?" said Jack.

"No, no, I say!"

"Then that's a sin and a shame," muttered Jack, "to shut the door upon your own child."

Mrs. Ludgate did not hear this reflection, because she had gone back to the man who was waiting for directions about the balcony; but Lucy heard it distinctly. "Ma'am, nurse would come in, for she says she saw you at the window; and here she is, coming up the stairs," cried the footboy.

The nurse came in, with Mrs. Ludgate's child in her arms.

"Indeed, madam," said she, "the truth of the matter is, I can't and won't be denied my own any longer: and it is not for my own sake I speak up so bold, but for the dear babe that I have here in my arms, that can't speak for itself, but only smile in your face, and stretch out its arms to you. I, that am only its nurse, can't bear it; but I have little ones of my own, and can't see them want. I can't do for them all: if I'm not paid my lawful due, how can I? And is it not fit I should think of my own flesh and blood first? So I must give up this one. I must!--I must!"--cried the nurse, kissing the child repeatedly, "I must leave her to her mother."

The poor woman laid the child down on the sofa, then turned her back upon it, and, hiding her face in her apron, sobbed as if her heart would break. Lucy was touched with compassion; the mother stood abashed; shame struggled for a few instants with pride; pride got the victory. "The woman's out of her wits, I believe," cried Mrs. Ludgate. "Mr. Green, if you'll please to call again to-morrow, we'll talk about the balcony. Lucy, give me the child, and don't you fall a crying without knowing why or wherefore. Nurse, I'm surprised at you! Did not I tell you I'd send you your money next week?"

"Oh! yes, madam; but you have said so this many a week; and things are come to such a pass now, that husband says I shall not bring back the child without the money."

"What can I do?" said Mrs. Ludgate.

Lucy immediately took her purse out of her pocket, and whispered, "I will lend you whatever you want to pay the nurse, upon condition that you will give up the scheme of the balcony."

Mrs. Ludgate submitted to this condition; but she was not half so much obliged to Lucy for doing her this real service as she would have been if her friend had assisted in gratifying her vanity and extravagance. Lucy saw what passed in Mrs. Ludgate's mind, and nothing but the sense of the obligations she lay under to Belle's mother could have prevented her from breaking off all connexion with her.

But Mrs. Ludgate was now much inclined to court Lucy's acquaintance, as her approaching marriage with Mr. Allen, who was in good circumstances, made her appear quite a different person. Mrs. Allen would be able, and she hoped willing, to assist her from time to time with money. With this view, Belle showed Lucy a degree of attention and civility which she had disdained to bestow upon her friend whilst she was in an inferior situation. It was in vain, however, that this would-be fine lady endeavoured to draw the prudent Lucy out of her own sphere of life: though Lucy was extremely pretty, she had no desire to be admired; she was perfectly satisfied and happy at home, and she and her husband lived according to old Ludgate's excellent maxim, "Out of debt out of danger."

We shall not weary our readers with the history of all the petty difficulties into which Mr. and Mrs. Ludgate's foolish extravagance led them. The life of the shabby genteel is most miserable. Servants' wages unpaid, duns continually besieging the door, perpetual excuses, falsehoods to be invented, melancholy at home, and forced gaiety abroad! Who would live such a life? Yet all this Mr. and Mrs. Ludgate endured, for the sake of outshining Mr. and Mrs. Pimlico.

It happened that one night, at a party, Mrs. Ludgate caught a violent cold, and her face became inflamed and disfigured by red spots. Being to go to a ball in a few days, she was very impatient to get rid of the eruption; and in this exigency she applied to Mr. Pimlico, the perfumer, who had often supplied her with cosmetics, and who now recommended a beautifying lotion. This quickly cleared her complexion; but she soon felt the effects of her imprudence: she was taken dangerously ill, and the physician who was consulted attributed her disease entirely to the preparation she had applied to her face. Whilst she was ill, an execution was brought against Mr. Ludgate's goods. Threatened with a jail, and incapable of taking any vigorous measures to avoid distress, he went to consult his friend, Tom Lewis. How this Mr. Lewis lived was matter of astonishment to all his acquaintance: he had neither estate, business, or any obvious means of supporting the expense in which he indulged.

"What a happy dog you are, Lewis!" said our hero: "how is it that you live better than I do?"

"You might live as well as I, if you were inclined," said Lewis.

Our hero was all curiosity; and Lewis exacted from him an oath of secrecy. A long pause ensued.

"Have you the courage," said Lewis, "to extricate yourself from all your difficulties at once?"

"To be sure I have; since I must either go to jail this night, or raise two hundred guineas for these cursed fellows!"

"You shall have it in half an hour," said Lewis, "if you will follow my advice."

"Tell me at once what I am to do, and I will do it," cried Leonard. "I will do any thing to save myself from disgrace, and from a jail."

Lewis, who now perceived his friend was worked up to the pitch he wanted, revealed the whole mystery. He was connected with a set of gentlemen, ingenious in the arts of forgery, from whom he purchased counterfeit bank-notes at a very cheap rate. The difficulty and risk of passing them was extreme; therefore the confederates were anxious to throw this part of the business off their hands. Struck with horror at the idea of becoming an accomplice in such a scheme of villany, Leonard stood pale and silent, incapable of even thinking distinctly. Lewis was sorry that he had opened his mind so fully. "Remember your oath of secrecy!" said he.

"I do," replied Ludgate.

"And remember that you must become one of us before night, or go to jail."

Ludgate said he would take an hour to consider of the business, and here they parted; Lewis promising to call at his house before evening, to learn his final decision.

"And am I come to this?" thought the wretched man. "Would to Heaven I had followed my poor father's maxim! but it is now too late."

Mr. Ludgate, when he arrived at home, shut himself up in his own room, and continued walking backwards and forwards, for nearly an hour, in a state of mind more dreadful than can be described. Whilst he was in this situation, some one knocked at the door. He thought it was Lewis, and trembled from head to foot. It was only a servant with a parcel of bills, which several tradesmen, hearing that an execution was in the house, had hastened to present for payment. Among them were those of Mr. Beech, the upholsterer, and Mrs. Ludgate's milliner and mantua-maker, which having been let to run on for above two years and a half, now amounted to a sum that astonished and shocked Mr. Ludgate. He could not remonstrate with his wife, or even vent his anger in reproaches, for she was lying senseless in her bed.

Before he had recovered from this shock, and whilst the tradesmen who brought the bills were still waiting for their money, Lewis and one of his companions arrived. He came to the point immediately. He produced bank-notes sufficient to discharge all his debts, and proposed to lend him this money on condition that he would enter into the confederacy as he had proposed. "All that we ask of you is to pass a certain number of notes for us every week. You will find this to your advantage; for we will allow you a considerable percentage, besides freeing you from your present embarrassments."

The sight of the bank-notes, the pressure of immediate distress, and the hopes of being able to support the style of life in which he had of late appeared, all conspired to tempt Ludgate. When he had, early in life, vaunted to his young companions that he despised his father's old maxim, while he repeated his own, they applauded his spirit. They were not present, at this instant, to pity the wretched state into which that spirit had betrayed him. But our hero has yet much greater misery to endure. It is true his debts were now paid, and he was able to support an external appearance of affluence; but not one day, not one night, could he pass without suffering the horrors of a guilty conscience, and all the terrors which haunt the man who sees himself in hourly danger of detection. He determined to keep his secret cautiously from his wife: he was glad that she was confined to her bed at this time, lest her prying curiosity should discover what was going forward. The species of affection which he had once felt for her had not survived the first six months of their marriage; and their late disputes had rendered this husband and wife absolutely odious to each other. Each believed, and indeed pretty plainly asserted, that they could live more handsomely asunder: but, alas! they were united for better and for worse.

Mrs. Ludgate's illness terminated in another eruption on her face. She was extremely mortified by the loss of her beauty, especially as Mrs. Pimlico frequently contrasted her face with that of Mrs. Paget, who was now acknowledged to be the handsomest woman of Mrs. Pimlico's acquaintance. She endeavoured to make herself of consequence by fresh expense. Mr. Ludgate, to account for the sudden payment of his debts, and the affluence in which he now appeared to live, spread a report of his having had a considerable legacy left to him by a relation, who had died in a distant part of England. The truth of the report was not questioned; and for some time Mr. and Mrs. Ludgate were the envy of their acquaintance. How little the world, as it is called, can judge, by external appearances, of the happiness of those who excite admiration or envy!

"What lucky people the Ludgates are!" cried Mrs. Pimlico. The exclamation was echoed by a crowded card party, assembled at her house. "But then," continued Mrs. Pimlico, "it is a pity poor Belle is so disfigured by that scurvy, or whatever it is, in her face. I remember the time when she was as pretty a woman as you could see: nay, would you believe it, she had once as fine a complexion as young Mrs. Paget!"

These observations circulated quickly, and did not escape Mrs. Ludgate's ear. Her vanity was deeply wounded; and her health appeared to her but a secondary consideration, in comparison with the chance of recovering her lost complexion. Mr. Pimlico, who was an eloquent perfumer, persuaded her that her former illness had nothing to do with the beautifying lotion she had purchased at his shop; and to support his assertions, he quoted examples of innumerable ladies, of high rank and fashion, who were in the constant habit of using this admirable preparation. The vain and foolish woman, notwithstanding the warnings which she had received from the physician who attended her during her illness, listened to the oratory of the perfumer, and bought half a dozen bottles of another kind of beautifying lotion. The eruption vanished from her face, after she had used the cosmetic; and, as she did not feel any immediate bad effects upon her health, she persisted in the practice for some months. The consequence was at last dreadful. She was found one morning speechless in her bed, with one side of her face distorted and motionless. During the night, she had been seized with a paralytic stroke: in a few days she recovered her speech; but her face continued totally disfigured.

This was the severest punishment that could have been inflicted on a woman of her character. She was now ashamed to show herself abroad, and incapable of being contented at home. She had not the friendship of a husband, or the affection of children, to afford her consolation and support. Her eldest child was a boy of about five years old, her youngest four. They were as fretful and troublesome as children usually are, whose education has been totally neglected; and the quarrels between them and Jack the footboy were endless, for Jack was alternately their tutor and their playfellow.

Beside the disorder created in this family by mischievous children, the servants were daily plagues. Nothing was ever done by them well or regularly; and though the master and mistress scolded without mercy, and perpetually threatened to turn Jack or Sukey away, yet no reformation in their manners was produced; for Jack and Sukey's wages were not paid, and they felt that they had the power in their own hands; so that they were rather the tyrants than the servants of the house.

 

CHAPTER III.

Mrs. Ludgate's temper, which never was sweet, was soured to such a degree, by these accumulated evils, that she was insufferable. Her husband kept out of the way as much as possible: he dined and supped at his club, or at the tavern: and, during the evenings and mornings, he was visible at home but for a few minutes. Yet, though his time was passed entirely away from his wife, his children, and his home, he was not happy. His life was a life of perpetual fraud and fear. He was bound by his engagements with Lewis to pass for the confederates a certain number of forged notes every day. This was a perilous task! His utmost exertions and ingenuity were continually necessary to escape detection; and, after all, he was barely able to wrest from the hard hands of his friends a sufficient profit upon his labour to maintain himself. How often did he look back, with regret, to the days when he stood behind the counter, in his father's shop! Then he had in Allen a real friend; but now he had in Lewis only a profligate and unfeeling associate. Lewis cared for no one but himself; and he was as avaricious as he was extravagant; "greedy of what belonged to others, prodigal of his own."

One night, Leonard went to the house where the confederates met, to settle with them for the last parcel of notes that he had passed. Lewis insisted upon being paid for his services before Ludgate should touch a farthing. Words ran high between them: Lewis, having the most influence with his associates, carried his point; and Leonard, who was in want of ready money, could supply himself only by engaging to pass double the usual quantity of forged notes during the ensuing month. Upon this condition, he obtained the supply for which he solicited. Upon his return home, he locked up the forged notes as usual in his escritoir. It happened the very next morning that Mrs. la Mode, the milliner, called upon Mrs. Ludgate. The ruling passion still prevailed, notwithstanding the miserable state to which this lady was reduced. Even palsy could not deaden her personal vanity: her love of dress survived the total loss of her beauty; she became accustomed to the sight of her distorted features, and was still anxious to wear what was most genteel and becoming. Mrs. la Mode had not a more constant visitor.

"How are you, Mrs. Ludgate, this morning?" said she. "But I need not ask, for you look surprising well. I just called to tell you a bit of a secret, that I have told to nobody else; but you being such a friend and a favourite, have a right to know it. You must know, I am going next week to bring out a new spring hat; and I have made one of my girls bring it up, to consult with you before any body else, having a great opinion of your taste and judgment: though it is a thing that must not be mentioned, because it would ruin me with Mrs. Pimlico, who made me swear she should have the first sight."

Flattered by having the first sight of the spring hat, Mrs. Ludgate was prepossessed in its favour; and, when she tried it on, she thought it made her look ten years younger. In short, it was impossible not to take one of the hats, though it cost three guineas, and was not worth ten shillings.

"Positively, ma'am, you must patronize my spring hat," said the milliner.

Mrs. Ludgate was decided by the word patronize: she took the hat, and desired that it should be set down in her bill: but Mrs. la Mode was extremely concerned that she had made a rule, nay a vow, not to take any thing but ready money for the spring hats; and she could not break her vow, even for her favourite Mrs. Ludgate. This was at least a prudent resolution in the milliner, who had lately received notice, from Mr. Ludgate, not to give his wife any goods upon credit, for that he was determined to refuse payment of her bills. The wife, who was now in a weak state of health, was not able as formerly to fight her battles with her husband upon equal terms. To cunning, the refuge of weakness, she had recourse; and she considered that, though she could no longer outscold, she could still outwit her adversary. She could not have the pleasure and honour of patronizing the spring hat, without ready money to pay for it; her husband, she knew, had always bank-notes in his escritoir; and she argued with herself that it was better to act without his consent than against it. She went and tried, with certain keys of her own, to open Leonard's desk; and open it came. She seized from a parcel of bank-notes as many as she wanted, and paid Mrs. la Mode with three of them for the spring hat. When her husband came home the next day, he did not observe that he had lost any of the notes; and, as he went out of the house again without once coming into the parlour where his wife was sitting, she excused herself to her conscience, for not telling him of the freedom she had taken, by thinking--It will do as well to tell him of it to-morrow: a few notes, out of such a parcel as he has in his desk locked up from me, can't signify; and he'll only bluster and bully when I do tell him of it; so let him find it out when he pleases.

The scheme of acting without her husband's consent in all cases, where she was morally certain that if she asked she could not obtain it, Mrs. Ludgate had often pursued with much success. A few days after she had bought the spring hat, she invited Mrs. Pimlico, Mrs. Paget, and all her genteel friends, to tea and cards. Her husband, she knew, would be out of the way, at his club, or at the tavern. Mrs. Pimlico, and Mrs. Paget, and all their genteel friends, did Mrs. Ludgate the honour to wait upon her on the appointed evening, and she had the satisfaction to appear upon this occasion in the new spring hat; while her friend, Mrs. Pimlico, whispered to young Mrs. Paget, "She patronize the new spring hat! What a fool Mrs. la Mode makes of her! A death's head in a wreath of roses! How frightfully ridiculous!"

Unconscious that she was an object of ridicule to the whole company, Mrs. Ludgate sat down to cards in unusually good spirits, firmly believing Mrs. la Mode's comfortable assertion, "that the spring hat made her look ten years younger." She was in the midst of a panegyric upon Mrs. la Mode's taste, when Jack, the footboy, came behind her chair, and whispered that three men were below, who desired to speak to her immediately.

"Men! gentlemen, do you mean?" said Mrs. Ludgate.

"No, ma'am, not gentlemen." "Then send them away about their business, dunce," said the lady. "Some tradesfolk, I suppose; tell them I'm engaged with company."

"But, ma'am, they will not leave the house without seeing you, or Mr. Ludgate."

"Let them wait, then, till Mr. Ludgate comes in. I have nothing to say to them. What's their business, pray?"

"It is something about a note, ma'am, that you gave to Mrs. la Mode, the other day."

"What about it?" said Mrs. Ludgate, putting down her cards.

"They say it is a bad note."

"Well, I'll change it; bid them send it up."

"They won't part with it, ma'am: they would not let it out of their hands, even to let me look at it for an instant."

"What a riot about a pound note," said Mrs. Ludgate, rising from the card-table: "I'll speak to the fellows myself."

She had recourse again to her husband's desk; and, armed with a whole handful of fresh bank-notes, she went to the strangers. They told her that they did not want, and would not receive, any note in exchange for that which they produced; but that, as it was a forgery, they must insist upon knowing from whom she had it. There was an air of mystery and authority about the strangers which alarmed Mrs. Ludgate; and, without attempting any evasion, she said that she took the note from her husband's desk, and that she could not tell from whom he received it. The strangers declared that they must wait till Mr. Ludgate should return home. She offered to give them a guinea to drink, if they would go away quietly; but this they refused. Jack, the footboy, whispered that they had pistols, and that he believed they were Bow-street officers.

They went into the back parlour to wait for Mr. Ludgate; and the lady, in extreme perturbation, returned to her company and her cards. In vain she attempted to resume her conversation about the spring hat, and to conceal the agitation of her spirits. It was observed by all her friends, and especially by Mrs. Pimlico, whose curiosity was strongly excited, to know the cause of her alarm. Mrs. Ludgate looked frequently at her watch, and even yawned without ceremony, more than once, to manifest her desire that the company should depart; but no hints availed. The card players resolutely kept their seats, and even the smell of extinguishing candles had no effect upon their callous senses.

The time appeared insupportably long to the wretched mistress of the house; and the contrast between her fantastic headdress and her agonizing countenance every minute became more striking.

Twelve o'clock struck. "It is growing very late," said Mrs. Ludgate.

"But we must have another rubber," said Mrs. Pimlico.

She began to deal; a knock was heard at the door. "There's Mr. Ludgate, I do suppose," said Mrs. Pimlico, continuing her deal. Mrs. Ludgate left her cards, and went out of the room without speaking. She stopped at the head of the staircase, for she heard a scuffle and loud voices below. Presently all was silent, and she ventured down when she heard the parlour door shut. The footman met her in the passage.

"What is the matter?" said she.

"I don't know; but I must be paid my wages," said he, "or must pay myself."

He passed on rudely. She half opened the parlour door, and looked in: her husband was lying back on the sofa, seemingly stupefied by despair: one of the Bow-street officers was chafing his temples, another was rummaging his desk, and the third was closely examining certain notes, which he had just taken from the prisoner's pockets.

"What is the matter?" cried Mrs. Ludgate, advancing. Her husband lifted up his eyes, saw her, started up, and, stamping furiously, exclaimed, "Cursed, cursed woman! you have brought me to the gallows, and all for this trumpery!" cried he, snatching her gaudy hat from her head, and trampling it under his feet. "For this--for this! you vain, you ugly creature, you have brought your husband to the gallows!"

One of the Bow-street officers caught hold of his uplifted arm, which trembled with rage. His wife sank to the ground; a second paralytic stroke deprived her of the power of speech. As they were carrying her up stairs, Mrs. Pimlico and the rest of the company came out of the dining-room, some of them with cards in their hands, all eagerly asking what was the matter? When they learnt that the Bow-street officers were in the house, and that Mr. Ludgate was taken into custody for uttering forged bank-notes, there was a general uproar. Some declared it was shocking! others protested it was no more than might have been expected! The Ludgates lived so much above their circumstances! Then he was such a coxcomb; and she such a poor vain creature! Better for people to do like their neighbours--to make no show, and live honestly!

In the midst of these effusions of long suppressed envy, some few of the company attempted a slight word or two of apology for their host and hostess; and the most humane went up to the wretched woman's bedchamber, to offer assistance and advice. But the greater number were occupied in tucking up their white gowns, finding their clogs, or calling for hackney coaches. In less than a quarter of an hour the house was clear of all Mrs. Ludgate's friends. And it is to please such friends that whole families ruin themselves by unsuitable expense.

Lucy and Allen were not, however, of this class of friends. A confused report of what had passed the preceding night was spread the next morning in Cranbourne-alley, by a young lady, who had been at Mrs. Ludgate's rout. The moment the news reached Allen's shop, he and Lucy set out immediately to offer their assistance to the unfortunate family. When they got to Weymouth-street, they gave only a single knock at the door, that they might not create any alarm. They were kept waiting a considerable time, and at last the door was opened by a slip-shod cook-maid, who seemed to be just up, though it was near eleven o'clock. She showed them into the parlour, which was quite dark; and, whilst she was opening the shutters, told them that the house had been up all night, what with the Bow-street officers and her mistress's fits. Her master, she added, was carried off to prison, she believed. Lucy asked who was with Mrs. Ludgate, and whether she could go up to her room?

"There's nobody with her, ma'am, but nurse, that called by chance, early this morning, to see the children, and had the good-nature to stay to help, and has been sitting in mistress's room, whilst I went to my bed. I'll step up and see if you can go in, ma'am."

They waited for some time in the parlour, where every thing looked desolate and in disorder. The ashes covered the hearth; the poker lay upon the table, near Mr. Ludgate's desk, the lock of which had been broken open; a brass flat candlestick, covered with tallow, was upon the window-seat, and beside it a broken cruet of vinegar; a cravat, and red silk handkerchief, which had been taken from Mr. Ludgate's neck when he swooned, lay under the table. Lucy and her husband looked at one another for some moments without speaking. At last Allen said, "We had better lock up this press, where there are silver spoons and china, for there is nobody now left to take care of any thing, and the creditors will be here soon to seize all they can." Lucy said that she would go up into the dining-room, and take an inventory of the furniture. In the dining-room she found Jack the footboy collecting shillings from beneath the candlesticks on the card-tables: the two little children were sitting on the floor, the girl playing with a pack of cards, the boy drinking the dregs of a decanter of white wine.--"Poor children! Poor creatures!" said Lucy; "is there nobody to take care of you?"

"No; nobody but Jack," said the boy, "and he's going away. Papa's gone I don't know where; and mama's not up yet, so we have had no breakfast."

The cook-maid came in to say that Mrs. Ludgate was awake, and sensible now, and would be glad to see Mrs. Allen, if she'd be so good as to walk up. Lucy told the children, who clung to her, that she would take them home with her, and give them some breakfast, and then hastened up stairs. She found her wretched friend humbled indeed to the lowest state of imbecile despair. Her speech had returned; but she spoke with difficulty, and scarcely so as to be intelligible. The good-natured nurse supported her in the bed, saying repeatedly, "Keep a good heart, madam; keep a good heart! Don't let your spirits sink so as this, and all may be well yet."

"O Lucy! Lucy! What will become of me now? What a change is here! And nobody to help or advise me! Nobody upon earth! I am forsaken by all the world!"

"Not forsaken by me," said Lucy, in a soothing voice.

"What noise is that below?" cried Mrs. Ludgate.

Lucy went downstairs to inquire, and found that, as Allen had foretold, the creditors were come to seize all they could find. Allen undertook to remain with them, and to bring them to some settlement, whilst Lucy had her unfortunate friend and the two children removed immediately to her own house.

As to Mr. Ludgate, there was no hope for him; the proofs of his guilt were manifest and incontrovertible. The forged note, which his wife had taken from his desk and given to the milliner, was one which had not gone through certain mysterious preparations. It was a bungling forgery. The plate would doubtless have been retouched, had not this bill been prematurely circulated by Mrs. Ludgate: thus her vanity led to a discovery of her husband's guilt. All the associates in Lewis's iniquitous confederacy suffered the just punishment of their crimes. Many applications were made to obtain a pardon for Leonard Ludgate: but the executive power preserved that firmness which has not, upon any similar occasion, ever been relaxed.

Lucy and Allen, those real friends, who would not encourage Mrs. Ludgate in extravagance, now, in the hour of adversity and repentance, treated her with the utmost tenderness and generosity. They were economical, and therefore could afford to be generous. All the wants of this destitute widow were supplied from the profits of their industry: they nursed her with daily humanity, bore with the peevishness of disease, and did all in their power to soothe the anguish of unavailing remorse.

Nothing could be saved from the wreck of Mr. Ludgate's fortune for the widow; but Allen, in looking over old Ludgate's books, had found and recovered some old debts, which Leonard, after his father's death, thought not worth looking after. The sum amounted to about three hundred and twenty pounds. As the whole concern had been made over to him, he could lawfully have appropriated this money to his own use, but he reserved it for his friend's children. He put it out to interest; and in the mean time he and Lucy not only clothed and fed, but educated these orphans, with their own children, in habits of economy and industry. The orphans repaid, by their affection and gratitude, the care that was bestowed upon them; and, when they grew up, they retrieved the credit of their family, by living according to their grandfather's useful maxim--"Out of debt out of danger."

Nov. 1801.

[The end]
Maria Edgeworth's short story: Out Of The Debt Out Of Danger

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