Show Keep a a Budget and St Stretch Your Dollars Dollars- Dollars j Advice of Woman Banker to Working Girls Ciris I Decide Average Expense Expense and Stay Within the I Figures Set I U NEW YORK July III 9 la Is there any way wOy a girl mn may spend her hen weekly wage wago to cover er ever ever swelling swell swell- ing nl ng item more moro casH easily What percentage of ot her earnIngs earn earn- ings l should a girl spend on different different dif dif- different ferent things in order to make a dollar r go 10 the furthest These questions put pul to Miss VIrginia D D. H H. Furman Turman recently roI ro- ro I elected assistant secretary ot of tho Columbia Trust company loc of New York MIss Misi Furman at atthe atthe at atthe the time of ot her election was the first woman to hold an official bank position She has hoa charge of the special Interests of ot tho the banks bank's women clients thus embodying a anew anew new and valuable Idea In bank management b by establishing confidential con con- nUal contact between the bank con I and its women customers customer Budget Necessary Ever Every girl should keep a budget budget bud bud- get replied Miss 1 Furman That sounds like a fussy a way of ot making makIng makIng mak mak- ing a a. hard job harder but it Isn't The The- budget system as lS worked out b by the National League of Women Wom Worn en Workers In which I 1 am m Interested inter eMed e ested ted is 15 a a. simple wa way for tor a girl to control her bar spending instead of ot letting her spending control h her r. r There are five he steps stops in makIng making makIn mak mak- In ing a budget FIRST Keep FIRST Keep accurate wea weekly l accounts of ot your spending SECOND SECOND Find Find your our average weekly expenditure In each cach tion THIRD Find Find D-Find Find what proportion of ot your our total weekly Income Is spent In each direction FOURTH Study FOURTH Study other peoples people's peo ped- pIes pIe's experience to find what proportions proportions pro pro- portions they h have wo spent In each ellch peO 1 direction to get the trio most comfort com corn fort and most roost sayings savings from the their income FIFTH Decide at the beginning begin fling ning of ot the tha week what proportion of at your our Income you ou will wUl spend in each direction I An easy W way suggested by Miss hIss hIss' Furman to keep your jour week weekly ac accounts accounts oc- oc counts is Js to take a a. cheap lined copy book and down the left edge edse of a page pago list under each ach other the he varIous arlous things for tor which Jone money Is spent Alon Along the top lop above e the first tint Item put the da days of ot th the week across tho the page Average Averse Expenditure I The average expenditure in each ol I direction d should bo bG found after aCte- the I accounts accounts have have- been kept for at l least east three weeks by adding adding- the amount spent for tor an any ode one item Hem Ir t that hat time lime and dividing b by three I Percentages arc round found by dividing divid divid- I if i in ing ng the weekly Income by to f find ind 1 per cent of the Income and dividing in each average crage weekly ex expenditure expenditure ex- ex I by this 1 I per er cent This p I will show how the Income is ap- ap portioned t I The table of at percentages says as Miss Furman Kurman which has given gl I tho most comfort to most people j I according to the National League Leacue l of ot Women Workers Is this I 1 Rent RentO 20 o per cent clothing 10 per cent food food 30 10 per cent Im Improvement Im- Im provement 10 per tent cent including recreation club dues ue dental and 1 t medical care operating expenses p i 15 percent cent car fare laundry etc ote j insurance and hod savings Ba 15 per cent I These Thele are are the proportions I which o have been found b by long experience to work out best beet in supporting a family For Tor an Individual Indi vidual girl the proportions might be b somewhat II How to Adjust Budget I Suppose Mary a ry whose savings 1 average 35 IS cents a week decides she wants wanta to save more but doesn't know how to do It If It she compared her actual spending with the the- percentages recommended recommended mended mende she will see ECO that In proportion pro pro- proportion portion to her hei board and rent she I is s spending far tar too much on I clothes and somewhat too much i I i I I Ip I p pS 5 0 tM 1 t S S r 1 1 1 j Miss 3 p Miss Furman is is fir first t woman elected to official position in in bank U I ort oil Improvement and opera operating tin expenses I Lizzie thinks she has been I economizing b by spending J less s than than usual on food but the saving Ins has hasl been lost on medicine So she decides to economize on clothing and not riot on food no Rosalie allo finds her clothing Is Js costing her 26 6 per cent of or her in income n n come come come-a a little over a quarter Soshe So Soshe SOl she decides to wear her old things I a a. season longer than usual Madge finds she she's Is spending 38 per cent of or her Income on rent instead of or tho the wiser 20 O per cent She moves One Ono thing which should never appear In the program q of budget making except In the he greatest emergency Is cutting down that safe percentage of or savings |