CHAPTER V. OLD LETTERS I have often noticed that almost every one has his own individual small economies—careful habits of saving fractions of pennies in some one peculiar direction—any disturbance of which annoys him more than spending shillings or pounds on some real extravagance. An old gentleman of my acquaintance, who took the intelligence of the failure of a Joint-Stock Bank, in which some of his money was invested, with stoical mildness, worried his family all through a long summer’s day because one of them had torn (instead of cutting) out the written leaves of his now useless bank-book; of