Sicca one can ne'er meet the real call when it comes; he's bankrupt in the emergency.

And that's as true of a nation as of a man by himsel'.
In the wartime men everywhere came to learn the value o' saving--o' being close fisted.

Men o' means went proodly aboot, and showed their patched clothes, where the wife had put a new seat in their troosers-- 't'was a badge of honor, then, to show worn shoes, old claes.
Weel, was it only then, and for the first time, that it was patriotic for a man to be cautious and saving?
Had we all practiced thrift before the war, wad we no hae been in a better state tae meet the crisis when it came upon us?
Ha' we no learned in all these twa thousand years the meaning o' the parable o' the wise virgin and her lamp?
It's never richt for a man or a country tae live frae hand to mooth, save it be necessary.

And if a man breaks the habit o' sae doin' it's seldom necessary.

The amusement that comes frae spendin' siller recklessly dinna last; what does endure is the comfort o' kennin' weel that, come what may, weel or woe, ye'll be ready.