The William Wymark Jacobs was an English author of short stories and novels. The Sailormen are not good hands at saving money as a rule, said the night-watchman, as he wistfully toyed with a bad shilling on his watch-chain, though to hear them talk of saving when they are at sea and there isn't a pub within a thousand miles of them, you might think different. 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 perhaps a week or ten days after coming ashore, and having to go to sea again sooner than they 'ad intended, that they determined some way or other to have things different.