Paying Off
W.W. Jacobs

Produced by David Widger




My biggest fault, said the night-watchman, gloomily, has been good
nature. I've spent the best part of my life trying to do my fellow-
creeturs a good turn. And what do I get for it? If all the people I've
helped was to come 'ere now there wouldn't be standing room for them on
this wharf. 'Arf of them would be pushed overboard--and a good place for
'em, too.

I've been like it all my life. I was good-natured enough to go to sea as
a boy because a skipper took a fancy to me and wanted my 'elp, and when I
got older I was good-natured enough to get married. All my life I've
given 'elp and advice free, and only a day or two ago one of 'em wot I
'ad given it to came round here with her 'usband and 'er two brothers and
'er mother and two or three people from the same street, to see her give
me "wot for."

Another fault o' mine has been being sharp. Most people make mistakes,
and they can't bear to see anybody as don't. Over and over agin I have
showed people 'ow silly they 'ave been to do certain things, and told 'em
wot I should ha' done in their place, but I can't remember one that ever
gave me a "thank you" for it.

There was a man 'ere 'arf an hour ago that reminded me of both of these
faults. He came in a-purpose to remind me, and 'e brought a couple o'
grinning, brass-faced monkeys with 'im to see 'im do it. I was sitting
on that barrel when he came, and arter two minutes I felt as if I was
sitting on red-'ot cinders. He purtended he 'ad come in for the sake of
old times and to ask arter my 'ealth, and all the time he was doing 'is
best to upset me to amuse them two pore objecks 'e 'ad brought with 'im.

Capt'in Mellun is his name, and 'e was always a foolish, soft-'eaded sort
o' man, and how he 'as kept 'is job I can't think. He used to trade
between this wharf and Bristol on a little schooner called the _Firefly_,
and seeing wot a silly, foolish kind o' man he was, I took a little bit
o' notice of 'im. Many and many a time when 'e was going to do something
he'd ha' been sorry for arterwards I 'ave taken 'im round to the Bear's
Head and stood 'im pint arter pint until he began to see reason and own
up that I was in the right.

His crew was a'most as bad as wot he was, and all in one month one o' the
'ands gave a man ten shillings for a di'mond ring he saw 'im pick up, wot
turned out to be worth fourpence, and another one gave five bob for a
meerschaum pipe made o' chalk. When I pointed out to 'em wot fools they
was they didn't like it, and a week arterwards, when the skipper gave a
man in a pub 'is watch and chain and two pounds to hold, to show 'is
confidence in 'im, and I told 'im exactly wot I thought of him, 'e didn't
like it.

"You're too sharp, Bill," he says, sneering like. "My opinion is that
the pore man was run over. He told me 'e should only be away five
minutes. And he 'ad got an honest face: nice open blue eyes, and a smile
that done you good to look at."

"You've been swindled," I ses, "and you know it. If I'd been done like
that I should never hold up my 'ead agin. Why, a child o' five would
know better. You and your crew all seem to be tarred with the same
brush. You ain't fit to be trusted out alone."

I believe 'e told his 'ands wot I said; anyway, two bits o' coke missed
me by 'arf an inch next evening, and for some weeks not one of 'em spoke
a word to me. When they see me coming they just used to stand up
straight and twist their nose.

It didn't 'urt me, o' course. I took no notice of 'em. Even when one of
'em fell over the broom I was sweeping with I took no notice of 'im. I
just went on with my work as if 'e wasn't there.

I suppose they 'ad been in the sulks about a month, and I was sitting
'ere one evening getting my breath arter a couple o' hours' 'ard work,
when one of 'em, George Tebb by name, came off the ship and nodded to me
as he passed.

"Evening, Bill," he ses.

"Evening," I ses, rather stiff.

"I wanted a word with you, Bill," he ses, in a low voice. "In fact, I
might go so far as to say I want to ask you to do me a favour."

I looked at him so 'ard that he coughed and looked away.

"We might talk about it over a 'arf-pint," he ses.

"No, thank you," I ses. "I 'ad a 'arf-pint the day before yesterday, and
I'm not thirsty."

He stood there fidgeting about for a bit, and then he puts his 'and on my

"Well, come to the end of the jetty," he ses. "I've got something
private to say."

I got up slow-like and followed 'im. I wasn't a bit curious. Not a bit.
But if a man asks for my 'elp I always give it.

"It's like this," he ses, looking round careful, "only I don't want the
other chaps to hear because I don't want to be laughed at. Last week an
old uncle o' mine died and left me thirty pounds. It's just a week ago,
and I've already got through five of 'em, and besides that the number of
chaps that want to borrow ten bob for a couple o' days would surprise

"I ain't so easy surprised," I ses, shaking my 'ead.

"It ain't safe with me," he ses; "and the favour I want you to do is to
take care of it for me. I know it'll go if I keep it. I've got it
locked up in this box. And if you keep the box I'll keep the key, and
when I want a bit I'll come and see you about it."

He pulled a little box out of 'is pocket and rattled it in my ear.

"There's five-and-twenty golden goblins in there," he ses. "If you take
charge of 'em they'll be all right. If you don't, I'm pretty certain I
sha'n't 'ave one of 'em in a week or two's time."

At fust I said I wouldn't 'ave anything to do with it, but he begged so
'ard that I began to alter my mind.

"You're as honest as daylight, Bill," he ses, very earnest. "I don't
know another man in the world I could trust with twenty-five quid--
especially myself. Now, put it in your pocket and look arter it for me.
One of the quids in it is for you, for your trouble."

He slipped the box in my coat-pocket, and then he said 'is mind was so
relieved that 'e felt like 'arf a pint. I was for going to the Bear's
Head, the place I generally go to, because it is next door to the wharf,
so to speak, but George wanted me to try the beer at another place he
knew of.

"The wharf's all right," he ses. "There's one or two 'ands on the ship,
and they won't let anybody run away with it."

From wot he said I thought the pub was quite close, but instead o' that I
should think we walked pretty nearly a mile afore we got there. Nice
snug place it was, and the beer was all right, although, as I told George
Tebb, it didn't seem to me any better than the stuff at the Bear's Head.

He stood me two 'arf-pints and was just going to order another, when 'e
found 'e 'adn't got any money left, and he wouldn't hear of me paying for
it, because 'e said it was his treat.

"We'll 'ave a quid out o' the box," he ses. "I must 'ave one to go on
with, anyway." I shook my 'ead at 'im.

"Only one," he ses, "and that'll last me a fortnight. Besides, I want to
give you the quid I promised you."

I gave way at last, and he put his 'and in 'is trouser-pocket for the
key, and then found it wasn't there.

"I must ha' left it in my chest," he ses. "I'll 'op back and get it."
And afore I could prevent 'im he 'ad waved his 'and at me and gorn.

My fust idea was to go arter 'im, but I knew I couldn't catch 'im, and if
I tried to meet 'im coming back I should most likely miss 'im through the
side streets. So I sat there with my pipe and waited.

I suppose I 'ad been sitting down waiting for him for about ten minutes,
when a couple o' sailormen came into the bar and began to make themselves
a nuisance. Big fat chaps they was, and both of 'em more than 'arf
sprung. And arter calling for a pint apiece they began to take a little
notice of me.

"Where d'you come from?" ses one of 'em. "'Ome," I ses, very quiet.

"It's a good place--'ome," ses the chap, shaking his 'ead. "Can you sing
"Ome, Sweet 'Ome'? You seem to 'ave got wot I might call a 'singing

"Never mind about my face," I ses, very sharp. "You mind wot you're
doing with that beer. You'll 'ave it over in a minute."

The words was 'ardly out of my mouth afore 'e gave a lurch and spilt his
pint all over me. From 'ead to foot I was dripping with beer, and I was
in such a temper I wonder I didn't murder 'im; but afore I could move
they both pulled out their pocket-'ankerchers and started to rub me down.

"That'll do," I ses at last, arter they 'ad walked round me 'arf-a-dozen
times and patted me all over to see if I was dry. "You get off while
you're safe."

"It was my mistake, mate," ses the chap who 'ad spilt the beer.

"You get outside," I ses. "Go on, both of you, afore I put you out."

They gave one look at me, standing there with my fists clenched, and then
they went out like lambs, and I 'eard 'em trot round the corner as though
they was afraid I was following. I felt a little bit damp and chilly,
but beer is like sea-water--you don't catch cold through it--and I sat
down agin to wait for George Tebb.

He came in smiling and out 'o breath in about ten minutes' time, with the
key in 'is 'and, and as soon as I told 'im wot had 'appened to me with
the beer he turned to the landlord and ordered me six o' rum 'ot at once.

"Drink that up," he ses, 'anding it to me; "but fust of all give me the
box, so as I can pay for it."

I put my 'and in my pocket. Then I put it in the other one, and arter
that I stood staring at George Tebb and shaking all over.

"Wot's the matter? Wot are you looking like that for?" he ses.

"It must ha' been them two," I ses, choking. "While they was purtending
to dry me and patting me all over they must 'ave taken it out of my

"Wot are you talking about?" ses George, staring at me.

"The box 'as gorn," I ses, putting down the 'ot rum and feeling in my
trouser-pocket. "The box 'as gorn, and them two must 'ave taken it."

"Gorn!" ses George. "Gorn! My box with twenty-five pounds in, wot I
trusted you with, gorn? Wot are you talking about? It can't be--it's
too crool!"

He made such a noise that the landlord wot was waiting for 'is money,
asked 'im wot he meant by it, and, arter he 'ad explained, I'm blest if
the landlord didn't advise him to search me. I stood still and let
George go through my pockets, and then I told 'im I 'ad done with 'im and
I never wanted to see 'im agin as long as I lived.

"I dare say," ses George, "I dare say. But you'll come along with me to
the wharf and see the skipper. I'm not going to lose five-and-twenty
quid through your carelessness."

I marched along in front of 'im with my 'ead in the air, and when he
spoke to me I didn't answer him. He went aboard the ship when we got to
the wharf, and a minute or two arterwards 'e came to the side and said
the skipper wanted to see me.

The airs the skipper gave 'imself was sickening. He sat down there in
'is miserable little rat-'ole of a cabin and acted as if 'e was a judge
and I was a prisoner. Most of the 'ands 'ad squeezed in there too, and
the things they advised George to do to me was remarkable.

"Silence!" ses the skipper. "Now, watchman, tell me exactly 'ow this
thing 'appened."

"I've told you once," I ses.

"I know," ses the skipper, "but I want you to tell me again to see if you
contradict yourself. I can't understand 'ow such a clever man as you
could be done so easy."

I thought I should ha' bust, but I kept my face wonderful. I just asked
'im wot the men was like that got off with 'is watch and chain and two
pounds, in case they might be the same.

"That's different," he ses.

"Oh!" ses I. "'Ow?"

"I lost my own property," he ses, "but you lost George's, and 'ow a man
like you, that's so much sharper and cleverer than other people, could be
had so easy, I can't think. Why, a child of five would ha' known

"A baby in arms would ha' known better," ses the man wot 'ad bought the
di'mond ring. "'Ow could you 'ave been so silly, Bill? At your time o'
life, too!"

"That's neither 'ere nor there," ses the skip-per. "The watchman has
lost twenty-five quid belonging to one o' my men. The question is, wot
is he going to do about it?"

"Nothing," I ses. "I didn't ask 'im to let me mind the box. He done it
of 'is own free will. It's got nothing to do with me."

"Oh, hasn't it?" ses the skipper, drawing 'imself up. "I don't want to
be too 'ard on you, but at the same time I can't let my man suffer. I'll
make it as easy as I can, and I order you to pay 'im five shillings a
week till the twenty-five pounds is cleared off."

I laughed; I couldn't 'elp it. I just stood there and laughed at 'im.

"If you don't," ses the skipper, "then I shall lay the facts of the case
afore the guv'nor. Whether he'll object to you being in a pub a mile
away, taking care of a box of gold while you was supposed to be taking
care of the wharf, is his bisness. My bisness is to see that my man 'as
'is rights."

"'Ear, 'ear !" ses the crew.

"You please yourself, watchman," ses the skipper. "You're such a clever
man that no doubt you could get a better job to-morrow. There must be
'eaps of people wanting a man like you. It's for you to decide. That's
all I've got to say--five bob a week till pore George 'as got 'is money
back, or else I put the case afore the guv'nor. Wot did you say?"

I said it agin, and, as 'e didn't seem to understand, I said it once

"Please yourself," 'e ses, when I 'ad finished. "You're an old man, and
five bob a week can't be much loss to you. You've got nothing to spend
it on, at your time o' life. And you've got a very soft job 'ere. Wot?"

I didn't answer 'im. I just turned round, and, arter giving a man wot
stood in my way a punch in the chest, I got up on deck and on to the
wharf, and said my little say all alone to myself, behind the crane.

I paid the fust five bob to George Tebb the next time the ship was up,
and arter biting 'em over and over agin and then ringing 'em on the
deck 'e took the other chaps round to the Bear's Head.

"P'r'aps it's just as well it's 'appened," he ses. "Five bob a week for
nearly two years ain't to be sneezed at. It's slow, but it's sure."

I thought 'e was joking at fust, but arter working it out in the office
with a bit o' pencil and paper I thought I should ha' gorn crazy. And
when I complained about the time to George 'e said I could make it
shorter if I liked by paying ten bob a week, but 'e thought the steady
five bob a week was best for both of us.

I got to 'ate the sight of 'im. Every week regular as clockwork he used
to come round to me with his 'and out, and then go and treat 'is mates to
beer with my money. If the ship came up in the day-time, at six o'clock
in the evening he'd be at the wharf gate waiting for me; and if it came
up at night she was no sooner made fast than 'e was over the side patting
my trouser-pocket and saying wot a good job it was for both of us that I
was in steady employment.

Week arter week and month arter month I went on paying. I a'most forgot
the taste o' beer, and if I could manage to get a screw o' baccy a week I
thought myself lucky. And at last, just as I thought I couldn't stand it
any longer, the end came.

I 'ad just given George 'is week's money--and 'ow I got it together that
week I don't know--when one o' the chaps came up and said the skipper
wanted to see me on board at once.

"Tell 'im if he wants to see me I'm to be found on the wharf," I ses,
very sharp.

"He wants to see you about George's money," ses the chap. "I should go
if I was you. My opinion is he wants to do you a good turn."

I 'ung fire for a bit, and then, arter sweeping up for a little while
deliberate-like, I put down my broom and stepped aboard to see the
skipper, wot was sitting on the cabin skylight purtending to read a

He put it down when 'e see me, and George and the others, wot 'ad been
standing in a little bunch for'ard, came aft and stood looking on.

"I wanted to see you about this money, watchman," ses the skipper,
putting on 'is beastly frills agin. "O' course, we all feel that to a
pore man like you it's a bit of a strain, and, as George ses, arter all
you have been more foolish than wicked."

"Much more," ses George.

"I find that you 'ave now paid five bob a week for nineteen weeks," ses
the skipper, "and George 'as been kind enough and generous enough to let
you off the rest. There's no need for you to look bashful, George; it's
a credit to you."

I could 'ardly believe my ears. George stood there grinning like a stuck
fool, and two o' the chaps was on their best behaviour with their 'ands
over their mouths and their eyes sticking out.

"That's all, watchman," ses the skipper; "and I 'ope it'll be a lesson to
you not to neglect your dooty by going into public-'ouses and taking
charge of other people's money when you ain't fit for it."

"I sha'n't try to do anybody else a kindness agin, if that's wot you
mean," I ses, looking at 'im.

"No, you'd better not," he ses. "This partickler bit o' kindness 'as
cost you four pounds fifteen, and that's a curious thing when you come to
think of it. Very curious."

"Wot d'ye mean?" I ses.

"Why," he ses, grinning like a madman, "it's just wot we lost between us.
I lost a watch and chain worth two pounds, and another couple o' pounds
besides; Joe lost ten shillings over 'is di'mond ring; and Charlie lost
five bob over a pipe. 'That's four pounds fifteen--just the same as

Them silly fools stood there choking and sobbing and patting each other
on the back as though they'd never leave off, and all of a sudden I 'ad a
'orrible suspicion that I 'ad been done.

"Did you see the sovereigns in the box?" I ses, turning to the skipper.

"No," he ses, shaking his 'ead.

"'Ow do you know they was there, then?" ses I.

"Because you took charge of 'em," said the skipper; "and I know wot a
clever, sharp chap you are. It stands to reason that you wouldn't be
responsible for a box like that unless you saw inside of it. Why, a
child o' five wouldn't!"

I stood there looking at 'im, but he couldn't meet my eye. None of 'em
could; and arter waiting there for a minute or two to give 'em a chance,
I turned my back on 'em and went off to my dooty.


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Most people start at our Web site which has the main PG search facility:

Archive Foundation, how to help produce our new eBooks, and how to
subscribe to our email newsletter to hear about new eBooks.

EBooks posted prior to November 2003, with eBook numbers BELOW #10000,
are filed in directories based on their release date. If you want to
download any of these eBooks directly, rather than using the regular
search system you may utilize the following addresses and just
download by the etext year.

(Or /etext 05, 04, 03, 02, 01, 00, 99,
98, 97, 96, 95, 94, 93, 92, 92, 91 or 90)

EBooks posted since November 2003, with etext numbers OVER #10000, are
filed in a different way. The year of a release date is no longer part
of the directory path. The path is based on the etext number (which is
identical to the filename). The path to the file is made up of single
digits corresponding to all but the last digit in the filename. For
example an eBook of filename 10234 would be found at:

or filename 24689 would be found at:

An alternative method of locating eBooks:


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