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68
NOTES ON NEW ZEALAND.
beginning. His land must be stocked, and he has no money left to stock it with, so the farm is mortgaged to obtain it, and is thus ever afterwards subject to a heavy charge in the shape of the interest exacted by the lenders.
Then the "new chum" hardly knows what to do next. He has probably had little to do with farming before, but, like many others, is under the impression that anyone can farm, especially in the Colonies; and his mistake begins to dawn upon him. Then comes a bad year, and further expenses are incurred, while the mortgage company presses for the interest,
