Excerpt..

Sailormen are not good 'ands at saving money as a rule, said the night-watchman, as he wistfully toyed with a bad shilling on his watch-chain, though to 'ear 'em talk of saving when they're at sea and there isn't a pub within a thousand miles of 'em, you might think different.

It ain't for the want of trying either with some of 'em, and I've known men do all sorts o' things as soon as they was paid off, with a view to saving. I knew one man as used to keep all but a shilling or two in a belt next to 'is skin so that he couldn't get at it easy, but it was all no good. He was always running short in the most inconvenient places.

I've seen 'im wriggle for five minutes right off, with a tramcar conductor standing over 'im and the other people in the tram reading their papers with one eye and watching him with the other.

Ginger Dick and Peter Russet—two men I've spoke of to you afore—tried to save their money once. They'd got so sick and tired of spending it all in p'r'aps a week or ten days arter coming ashore, and 'aving to go to sea agin sooner than they 'ad intended, that they determined some way or other to 'ave things different.

They was homeward bound on a steamer from Melbourne when they made their minds up; and Isaac Lunn, the oldest fireman aboard—a very steady old teetotaler—gave them a lot of good advice about it. They all wanted to rejoin the ship when she sailed agin, and 'e offered to take a room ashore with them and mind their money, giving 'em what 'e called a moderate amount each day.