Charles Dickens: The Life And Adventures Of Nicholas Nickleby

There once lived, in a sequestered part of the county of Devonshire, one Mr Godfrey Nickleby: a worthy gentleman, who, taking it into his head rather late in life that he must get married, and not being young enough or rich enough to aspire to the hand of a lady of fortune, had wedded an old flame out of mere attachment, who in her turn had taken him for the same reason. Thus two people who cannot afford to play cards for money, sometimes sit down to a quiet game for love.

Some ill-conditioned persons who sneer at the life-matrimonial, may perhaps suggest, in this place, that the good couple would be better likened to two principals in a sparring match, who, when fortune is low and backers scarce, will chivalrously set to, for the mere pleasure of the buffeting; and in one respect indeed this comparison would hold good; for, as the adventurous pair of the Fives' Court will afterwards send round a hat, and trust to the bounty of the lookers-on for the means of regaling themselves, so Mr Godfrey Nickleby and HIS partner, the honeymoon being over, looked out wistfully into the world, relying in no inconsiderable degree upon chance for the improvement of their means. Mr Nickleby's income, at the period of his marriage, fluctuated between sixty and eighty pounds PER ANNUM.

There are people enough in the world, Heaven knows! and even in London (where Mr Nickleby dwelt in those days) but few complaints prevail, of the population being scanty. It is extraordinary how long a man may look among the crowd without discovering the face of a friend, but it is no less true. Mr Nickleby looked, and looked, till his eyes became sore as his heart, but no friend appeared; and when, growing tired of the search, he turned his eyes homeward, he saw very little there to relieve his weary vision. A painter who has gazed too long upon some glaring colour, refreshes his dazzled sight by looking upon a darker and more sombre tint; but everything that met Mr Nickleby's gaze wore so black and gloomy a hue, that he would have been beyond description refreshed by the very reverse of the contrast.

At length, after five years, when Mrs Nickleby had presented her husband with a couple of sons, and that embarassed gentleman, impressed with the necessity of making some provision for his family, was seriously revolving in his mind a little commercial speculation of insuring his life next quarter-day, and then falling from the top of the Monument by accident, there came, one morning, by the general post, a black-bordered letter to inform him how his uncle, Mr Ralph Nickleby, was dead, and had left him the bulk of his little property, amounting in all to five thousand pounds sterling.

As the deceased had taken no further notice of his nephew in his lifetime, than sending to his eldest boy (who had been christened after him, on desperate speculation) a silver spoon in a morocco case, which, as he had not too much to eat with it, seemed a kind of satire upon his having been born without that useful article of plate in his mouth, Mr Godfrey Nickleby could, at first, scarcely believe the tidings thus conveyed to him. On examination, however, they turned out to be strictly correct. The amiable old gentleman, it seemed, had intended to leave the whole to the Royal Humane Society, and had indeed executed a will to that effect; but the Institution, having been unfortunate enough, a few months before, to save the life of a poor relation to whom he paid a weekly allowance of three shillings and sixpence, he had, in a fit of very natural exasperation, revoked the bequest in a codicil, and left it all to Mr Godfrey Nickleby; with a special mention of his indignation, not only against the society for saving the poor relation's life, but against the poor relation also, for allowing himself to be saved.

With a portion of this property Mr Godfrey Nickleby purchased a small farm, near Dawlish in Devonshire, whither he retired with his wife and two children, to live upon the best interest he could get for the rest of his money, and the little produce he could raise from his land. The two prospered so well together that, when he died, some fifteen years after this period, and some five after his wife, he was enabled to leave, to his eldest son, Ralph, three thousand pounds in cash, and to his youngest son, Nicholas, one thousand and the farm, which was as small a landed estate as one would desire to see.

These two brothers had been brought up together in a school at Exeter; and, being accustomed to go home once a week, had often heard, from their mother's lips, long accounts of their father's sufferings in his days of poverty, and of their deceased uncle's importance in his days of affluence: which recitals produced a very different impression on the two: for, while the younger, who was of a timid and retiring disposition, gleaned from thence nothing but forewarnings to shun the great world and attach himself to the quiet routine of a country life, Ralph, the elder, deduced from the often- repeated tale the two great morals that riches are the only true source of happiness and power, and that it is lawful and just to compass their acquisition by all means short of felony. 'And,' reasoned Ralph with himself, 'if no good came of my uncle's money when he was alive, a great deal of good came of it after he was dead, inasmuch as my father has got it now, and is saving it up for me, which is a highly virtuous purpose; and, going back to the old gentleman, good DID come of it to him too, for he had the pleasure of thinking of it all his life long, and of being envied and courted by all his family besides.' And Ralph always wound up these mental soliloquies by arriving at the conclusion, that there was nothing like money.

Not confining himself to theory, or permitting his faculties to rust, even at that early age, in mere abstract speculations, this promising lad commenced usurer on a limited scale at school; putting out at good interest a small capital of slate-pencil and marbles, and gradually extending his operations until they aspired to the copper coinage of this realm, in which he speculated to considerable advantage. Nor did he trouble his borrowers with abstract calculations of figures, or references to ready-reckoners; his simple rule of interest being all comprised in the one golden sentence, 'two-pence for every half-penny,' which greatly simplified the accounts, and which, as a familiar precept, more easily acquired and retained in the memory than any known rule of arithmetic, cannot be too strongly recommended to the notice of capitalists, both large and small, and more especially of money-brokers and bill- discounters. Indeed, to do these gentlemen justice, many of them are to this day in the frequent habit of adopting it, with eminent success.

In like manner, did young Ralph Nickleby avoid all those minute and intricate calculations of odd days, which nobody who has worked sums in simple-interest can fail to have found most embarrassing, by establishing the one general rule that all sums of principal and interest should be paid on pocket-money day, that is to say, on Saturday: and that whether a loan were contracted on the Monday, or on the Friday, the amount of interest should be, in both cases, the same. Indeed he argued, and with great show of reason, that it ought to be rather more for one day than for five, inasmuch as the borrower might in the former case be very fairly presumed to be in great extremity, otherwise he would not borrow at all with such odds against him. This fact is interesting, as illustrating the secret connection and sympathy which always exist between great minds. Though Master Ralph Nickleby was not at that time aware of it, the class of gentlemen before alluded to, proceed on just the same principle in all their transactions.