Show I TIME NEEDED TO IO TOJ J f JO SA SAVE V j I It takes two years and ten months of X f systematic saving to make the average man a confirmed saver i This finding is the net result of ot L n an exhaustive analysis just comi cornI com com- i I I. Dieted by the research department 1 I. I of a company on tho the Pacific coast t according to Information received i hereby by T T. I L. L Larsen secretary of ot t I the Utah League of ot Building and andi i Loan associations His ills report follows fol fol- foi- foi lows f The first two years ears and ten teni i months of systematic saving is shown by the analysis to be t the le let t formative p period of ot the saving habit It lt i is within this period that the average saver most often orten yields to the temptation of ot doing something else with the money that he lle has budgeted for hi his savings However once onca he has passed this formative period thero is Is' Is little chance of f his his' discontinuing his savIngs sav say ings lags program for a trivial cause the result shows Nothing less than thana a major emergency will cause him to relinquish his cf and put himself on the tho sure road to financial financial finan finan- cial independence and the records x l show that th there re is about a five to toone toone one chance of his reaching the ob ob- j he has set for himself Persistent systematic saving calls for the exercise of ot a moral courage which t takes kes time to de develop de- de clop Mr Larsen said In commenting com corn upon t the io analysis The hardest struggle of f the saver comes c. c in the the first first few months TV when hen he must force himself to resist numerous numer numer- t C ous Ous- and recurrent demands to di divert divert dl- dl vert ert tho the money which he has promised prom prom- c himself to save to other M p pur- pur rM r- r 5 poses Cut Dut he finds that consistent consist consist- ent saving is its own reward and f- f fas as ash h h he persists the Imp impulse lse to spend is s succeeded by an de de- de to pire-to save sae for a definite purpose This may be for a a. home for an In investment in- in vestment estment or for some other worthy object Our study shows show that saving g t tends to fo become a fascination with individuals in whom the habit has bas been Ingrained and so after a few years Sears in ha having become Impressed by concrete evidence of ot the tho advantage of having a definite sum per month they Increase thel their personal savings budget budget and and nd start In on a new In- In of the same type to carry along after the face of their orIginal original inal investment matures Tho The records also show that confIrmed confirmed con con- firmed savers after reaching ono one ono vestment goal by the tho monthly savings sav say ings lags plan become fre repeaters eaters That is haying having matured on one ond investment they Immediately begin 9 new new- newIn in investment In- In vestment n of ot the same type and In all probability for a greater eater amount requiring an increase i in savings and quite often orten calling calling- for double the original initial sum which started the saver on his |