Garth offered him, and returning it, which he could easily do by giving up all futile money-spending, since he had a superfluous stock of clothes, and no expense in his board. In that way he could, in one year, go a good way towards repaying the ninety pounds of which he had deprived Mrs. Garth, unhappily at a time when she needed that sum more than she did now. Nevertheless, it must be acknowledged that on this evening, which was the fifth of his recent visits to the billiard-room, Fred had, not in his pocket, but in his mind, the ten pounds which he meant to reserve for himself from his half-year’s salary (having before him the pleasure of carrying thirty to Mrs.