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Working-Class Households and Savings in England, 1850–1880

Published online by Cambridge University Press:  16 April 2015

LINDA PERRITON  and
JOSEPHINE MALTBY
LINDA PERRITON
Affiliation:
Linda Perriton is Senior Lecturer in Human Resource Management at the York Management School in York, UK. Contact information: The York Management School, University of York, Heslington, York YO10 5GD, UK. E-mail: linda.perriton@york.ac.uk.
JOSEPHINE MALTBY
Affiliation:
Josephine Maltby is Professor of Accounting and Financial Management at Sheffield University Management School in Sheffield, UK. Contact information: Sheffield University Management School, University of Sheffield, Sheffield S10 1FL, UK. E-mail: j.maltby@sheffield.ac.uk.
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Abstract

The British trustee savings banks that operated throughout the nineteenth century were designed expressly for working-class use, and solely to promote long-term saving. Despite the substantial numbers and national spread of these banks, there have been few studies of their use by savers. Their neglect as a data source is puzzling, given the extent of the surviving depositor records that provide long-run empirical data that includes savers’ identity, marital status, and occupation, as well as account balances and transactions. Our preliminary work on four banks (Limehouse, Newcastle, South Shields, and Bury) shows results of significant interest in understanding working-class financial behavior, including a substantial number of accounts opened and maintained by working-class married women, accounts opened and run by minors from earnings, and varied patterns of account usage.

Type
Articles
Information
Enterprise & Society , Volume 16 , Issue 2 , June 2015 , pp. 413 - 445
Copyright
Copyright © The Author 2015. Published by Cambridge University Press on behalf of the Business History Conference. All rights reserved. 

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References

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de Grazia, Victoria. “Establishing the Modern Consumer Household,” in The Sex of Things: Gender and Consumption in Historical Perspective, edited by Grazia, Victoria de and Furlough, Ellen. Berkeley: University of California Press, 1996.CrossRefGoogle Scholar
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Hall, Rosalind. “A Poor Cotton Weyver: Poverty and the Cotton Famine in Clitheroe.” Social History 28, no. 2 (2003): 227–250.Google Scholar
Hammerton, A. James. “Victorian Marriage and the Law of Matrimonial Cruelty.” Victorian Studies 33, no. 2 (1990): 269–292.Google Scholar
Higgs, Edward. “Women, Occupations and Work in the Nineteenth Century Censuses.” History Workshop Journal 23, no. 1 (1987): 59–80.CrossRefGoogle Scholar
Honeyman, Katrina. “Doing Business with Gender? Service Industries and the Gendering of British Business History.” Business History Review 81, no. 3 (2007): 471–493.CrossRefGoogle Scholar
Horrell, Sara and Humphries, Jane. “Women’s Labor Force Participation and the Transition to the Male-Breadwinner Family, 1790–1865.” Economic History Review 48, no. 1 (1995): 89–117.Google Scholar
Horrell, Sara and Oxley, Deborah. “Crust or Crumb? Intrahousehold Resource Allocation and Male Breadwinning in Late Victorian Britain.” Economic History Review 52, no. 3 (1999): 494–522.CrossRefGoogle Scholar
Horrell, Sara and Oxley, Deborah. “Work and Prudence: Household Responses to Income Variation in Nineteenth-Century Britain.” European Review of Economic History 53, no. 4 (2000): 27–57.Google Scholar
Humphries, Jane. “Class Struggle and the Persistence of the Working-Class Family.” Cambridge Journal of Economics 1, no. 3 (1977): 241–258.Google Scholar
Humphries, Jane. “Female-Headed Households in Early Industrial Britain: The Vanguard of the Proletariat?” Labour History Review 63, no. 1 (1998): 31–65.Google Scholar
Hurl-Eamon, Jennine. “The Fiction of Female Dependence and the Makeshift Economy of Soldiers, Sailors, and Their Wives in Eighteenth Century London.” Labor History 49, no. 4: 481–501.Google Scholar
Kirby, Peter. “A Brief Statistical Sketch of the Child Labor Market in Mid-Nineteenth Century London.” Continuity and Change 20, no. 2 (2005): 229–245.CrossRefGoogle Scholar
Lawson, Zoe. “Save the Pennies! Savings Banks and the Working Class in Mid-Nineteenth-Century Lancashire.” Local Historian 35, no. 3 (2005): 168–183.Google Scholar
Lemire, Beverly. “Gender, Savings Culture and Provident Consumerism—Patterns, Practice and Research Opportunities.” Paper given at the Workshop on Working-Class Women’s Savings Strategies 1780–2008, York, UK, 2008.Google Scholar
Lloyd-Jones, Roger and Lewis, M. J.. “Small Savers in the Late Victorian Period; A Business Data Base of the Sheffield Savings Bank c. 1861–1901.” Sheffield: SHU working paper, 1991.Google Scholar
Maltby, Josephine. “The Wife’s Administration of the Earnings? Working-Class Women and Savings in the Mid-Nineteenth Century.” Continuity and Change 26 (2011): 1–31.CrossRefGoogle Scholar
Maltby, Josephine. “To Bind the Humbler to the More Influential and Wealthy Classes. Reporting by Savings Banks in Nineteenth Century Britain.” Accounting History Review 22, no. 3 (2012): 199–225.Google Scholar
McLaughlin, Eoin. “Profligacy in the Encouragement of Thrift: Savings Banks in Ireland, 1817–1914.” Business History 56, no. 4 (2014): 569–591.Google Scholar
Morgan, Carol. “Women, Work and Consciousness in the Mid-Nineteenth-Century English Cotton Industry.” Social History 17, no. 1 (1992): 23–41.Google Scholar
Newton, Lucy and Cottrell, Philip. “Female Investors in the first English and Welsh Commercial Joint-Stock Banks.” Accounting History Review 16, no. 2 (2006): 315–340.Google Scholar
Norling, Lisa. “Ahab’s Wife: Women and the American Whaling Industry, 1820–1870.” In Iron Men, Wooden Women: Gender and Seafaring in the Atlantic World, 1700–1920, edited by Creighton, M. and Norling, L., 70–91. Baltimore, MD: John Hopkins University Press, 1996 Google Scholar
Ó Gráda, Cormac. “The Early History of Irish Savings Banks.” University College Dublin, Centre for Economic Research Working Paper Series WP08/04, 2008.Google Scholar
Oren, Laura. “The Welfare of Women in Labouring Families; England 1860–1959.” Feminist Studies 1, no. 3/4 (1973): 107–125.Google Scholar
Pahl, Jan. “The Allocation of Money and the Structuring of Inequality Within Marriage.” The Sociological Review 31 (1983): 237–262.Google Scholar
Pahl, Jan. “His Money, Her Money: Recent Research on Financial Organisation in Marriage.” Journal of Economic Psychology 16, no. 3 (1995): 361–376.Google Scholar
Pahl, Jan. “Couples and Their Money: Patterns of Accounting and Accountability in the Domestic Economy.” Accounting, Auditing & Accountability Journal 13, no. 4 (2000): 502–517.Google Scholar
Payne, Peter. L. “The Savings Bank of Glasgow 1863–1914.” In Studies in Scottish Business History, edited by P. L. Payne, 152–186. London: Frank Cass & Co.Google Scholar
Perriton, Linda. “Depositor Trends in the Limehouse Savings Bank, London: 1830–1876.” European Savings Bank Group, 2012. Available at http://www.esbg.eu/uploadedFiles/perriton.pdf.Google Scholar
Pollock, Gordon. “Aspects of Thrift in East End Glasgow: New Accounts at the Bridgeton Cross Branch of the Savings Bank of Glasgow.” International Review of Scottish Studies 32 (2007): 117–148.CrossRefGoogle Scholar
Ross, Duncan. “Penny Banks in Glasgow, 1850–1914.” Financial History Review 9, no. 1 (2002): 21–39.CrossRefGoogle Scholar
Ross, Duncan. “Savings Bank Depositors in a Crisis: Glasgow 1847 and 1857.” Financial History Review 20, no. 2 (2013): 183–208.CrossRefGoogle Scholar
Ross, Ellen. “Survival Networks: Women’s Neighbourhood Sharing in London Before World War I.” History Workshop Journal 15, no. 4 (1983): 4–28.Google Scholar
Rutterford, Janette and Maltby, Josephine. “‘The Widow, the Clergyman and the Reckless’: Women Investors in England, 1830–1914.” Feminist Economics 12, no. 1–2 (2006): 111–138.Google Scholar
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