George Gissing 
The Nether World [EPUB ebook] 

First published in 1889, ‘The Nether World’ is generally regarded as the finest of George Gissing’s early novels.
This sad social novel revolves around the problematic issue of money. Michael returns from Australia to London a rich man. However, he hides this fact from everybody and spends money only on the things he really needs. He contemplates leaving his money to his granddaughter Jane, under the condition that she donate at least most of it to charity. However, Jane is not sure she can do it. This novel tells much about working class life in 19th century London. 
Rich in naturalistic detail, the novel concentrates on the individual problems and hardships which result from the typical shortages experienced by the lower classes — want of money, employment and decent living conditions.