Show I 1 akrom arom the true flag biagi tho savings bank or how to bay a house i cr er orric OPTIC CHAPTER I 1 I 1 tell you my dear it Is utterly impossible save three hundred dollars a year out of my mv dal sat li iry try you dont anderl understand taud tand it said churlis converse to his young wife perhaps I 1 do not replied mrs converse but my cly opinion Is very decided doman dont understand these filings ti lings you think my salary galary of eight hundred undred li dollars a year a fortune I 1 no such a thing charies charles but eight hundred dollars let mo me tell you wont buy all the ho world I 1 had no idea that it would yet if you only had tile the habit of saving what you spend for things that you can call get along abony without you would be able to build a house in a fow few years build a house yes build a house charles well a good one tile the young maii man laughed heartily at the fidei too too absurd to be harbored fo for a monn how flow much do you suppose it really cost us nil to live list year jear i why eight hundred dollars of course it took all sli in my y ilary salary s there is none of it left the tile young wife smilon cs as she took from hor her worktable work table drawer a dinall acco account uit book you did not know that I 1 copt kept account of all thesa tiling did youl I 1 no but how much was it and charles was a little disturbed by liy the cool way in which his wild wile proceeded lo 10 arguo argue the question four hundred aud ninety two doll doil dollars dra answer ei mrs airs converse oh bu my dear you have not got hait half of it down yes I 1 have everything my tailors bill wj was sixty sixty fiva dollars I 1 inva hive it here llata boot hoots and I 1 have them all thodore thodure you have when you had any new thing yu yuu know I 1 always a asked you what you gave for it I 1 know you did but I 1 will bet fire hpe dollars I 1 can namo name a dozen things that you have not got do down wa done doue said ilia tile lady indy with a laugh as she took from her drawer a five dollar bill and placed it on the table charles converse covered tha thi money capital idea for you to bet me with my money mon e Y said lie ile good if I 1 lose I 1 will do without that new barega bareca I 1 nm am to have havo nay my dear deir I 1 dont want you todo that bat go on row pew rent six doll dollars irs said the husband promptly I 1 Y 11 liro airo ra it is 13 answered shet she v painting ta to abo entry in the kook book book try aznin season ticket ou on the railroad twenty I 1 have it I 1 sawing the tho entered charles charies Cli arles aries reflected a moment the tha case agin to I 1 look desperate j new icings for the tho cooking stove here nere two dollars mr converse began to look hobles ho ples plear my fixes well I 1 have not got that but that was the only thin thi glie oglie could conid mention of these necessary expenses thit tint was not fou found ud in to bs bi regularly entered on oil liis him cifes book still mr converse was wan not satisfied fid gid your figures cant be correct mary sall sail sald said he lie why wily not my illy salary wary is all used up tip and you can account for only four hundred and ninety dinely two dollars ol 01 it you must explain the balance ba alce aice if I 1 why mary miry I 1 have not been extravagant it estrue is true I 1 buy buya a great man mau many little things t in tho the course ofa of a year but they ara hardly worth ulea uloa uon von all ali there a the that is where tile money goes to A on by d pid i p id ihl u upon poll it ense ouse yiu thili gs oi 01 course w wo dont donl do ill well veil youn your figures siow thiet ou dont hiis tilo tile three thred hundred wi gone to 1114 4 I 1 dont I 1 tile llie f dayt layt last fust l ast ayt idea I 1 iam lam hint tint turo auro a I 1 have got down till tiie tim atenio liht lint u nati to irly iny I 1 am ara posit vc ve tiit ou m hal hav bruu brou brought git home no article of any description ff 1 al at li ilis ills IMS liis is tit itt not been entered elit r d ou tin the book I 1 ill ili lir lin an artial if 0 et of food abid g nd gif griir 1 tile tiie I lions hoose but bat just juht loubat look at it 11 rno ino comsia iiii you yu dont me tile is to sa sit tibt I 1 ilive have sp fp ut nt three hundred mid and eight right dullen over and above our necessary expelled expel leb leh ieh sdi adi ch chirles ries ties nattle I 1 dont to fhy fay say an nil tilling about it for I 1 dodt know anything it I 1 now I 1 think nl of it ili iii erey eren my illy lire insurance have lave yon son got gut that down 1 I kiive not nut there rhene in is forty of or tile tiie three hundred bat it leava leaves two hundred and eight dol thra lira unaccounted for it would lmke lake a at great while to collect called money ell enough ough lo 10 build u house even if the whole of this slim were saved not a great while charles you know my father has lias promised to give giro you tile the land lind when you have the tile inears to build a it house upun upon it it will ili ill be a long while willie luig iulg iniz hed the lle ile lie hus husband band baud five or bix ix years perhaps if you are ore pr lias 1189 not tile tiie tie of your bauk bank promised you a thousand chirs whirs next year yes then you can certainly certainty I 1 save four hundred dollars a year there are a thousand things we want when my galary salary is raised but we can gat got along without them I 1 sup bup suppose 0 we c chii just F look ir here jere tyl lyl Iti charles charies yarle larie mrs converse took from her pocket a circular issued by tile the people savings bank dank in which the tile accumulation of sever gever several i imwall bunts deposited weekly and quarterly were arranged in fit a table lable filly dollars deposited every quarter will viii net in five years 1141 25 continued oie the reading from the circular cail call added lir mr converse Tha tsuin would build a very avery comfortable house honse and when your our salary is a thousand hous ind dollars a year you can save more iian lian than iran fifty dollars a quarter A five cent institution it answered the young mail but lie lle ie was much impressed by the reasoning of his wife wire hud and in the tile course bourse of tile the evening lie carefully read tile tiie circular of the savings bauk bank certainly lie had every inducement for being saving and economical lie ile lived very cheaply in a small house belonging to his father in law luw for fur which lie he paid a merely nominal rent leiis is cifes fuller was a wealthy fa farmar rimar or ra ier ter lie tn had been a farmer former before his domain was vita invaded by the march of improvement and his Ims tures and mowing lots iid ild lid idid out into house lots As it was wag he be still from the tile force of habit improved 1 a few lew heres acres kept a couple of cows a 11 hennery callery and a doz a pig pigs charles converse found this proximity othe filhe old od folks at home horne rather satisfactory in ill a it pec unity as well as social point or view for or his larder ads partly stocked blocked from front the firm firm and of course no account was ever made of half to pig a bard band liar A of appie apples sor or potatoes or ona ora pair of chickens mik nik and eggs were ivere so much fresher and better belter iruin to ili iii pas it of course the never desired to obtain them froin from any tiny other oilier sour source ce tl they ie y lived cli cil eagly and lived in fit clover besides cl charies charles barles never liked to taik talk about financial mater maters with willi pa because tile the worthy old g used to tell him how he be lovedon lived on u hundred all ail fifty dollars a year after lie was married though lie had a fit fat salary ilary sd and suppo seed of course that he saved four hundred dollars a year out of it and always ron rou wound von lid iid up by saying tiva elva ijo tie would give bim him it ho house u se and lot might take tabb his pick of all lie owned when ever lie got ready to build all these thin things s worked upon charles convers IN lie saved a dollar and walt what was waa more there was no present prospect he ever would do so the promised advance e in his lis its sla was ulreka already to sun sundry r y luxuries the iea idea lea of taking faking ing mary to the opera or a pleasant trip to niagara and other had taken possession of him but the reasoning of his wife had produced a L strong impression upon liis his mi mild id fhe she he had been broucht brought up in it the iho strictest habits of economy her fler father though rich had an army of children but they were all ail wealthy in their thrifty habits charles read over again the circular of the savings ings rhe she bauk bank in the course courso of the evening figured up the statistics and wondered what had become of that two hundred and sixty eight dollars before he went titto to bed he biad a resolution though lie he did not say a word to his wife about lout it CHAPTER 11 II the tho next day charles charlos convers converso to received a rin cin quarters arters salary and his first step after receiving it was to vi vilt it the peoples savings bank where ha he deposited fifty dollars toi Tol lars but the hundred and fifty which he lie had lad left burned in bis his pockets pock etli it was nil he lie had to airry him through the ensuing three months there thero were little things that he lie wanted andu ande and it dozen bia big big ones onea too for that matter against the tho latter iatter lie fie resolutely set face though in consideration of the fact that thit his salary would be a I 1 and doirs do irs a year after the next pay day he be had a week before made up his mind to have them among other things his cintr case caso was cm efi eri erl ty and he be stepped into Se veys congress street to have it replenished cigars were a great catl luxury U xury in III vict act a necessity to him lim in his opinion the gentlemanly proprietor odthe of tho the establish j infill ineal d a box of or fragrant rolls counter sm t i g n nw new w stid sili lie he cuarta C tari turi a 8 lo 10 k up a haikel ul and smelt them 11 lt t cigars cira clra cirs in hk tiie tile marbs marks t L douthitt d dolif the vender TI 11 0 O r epli pit d I 1 h rin ris rles ries rl n Jn huling the ilia grateful grai grat elui elul od oil r 11 w oo 00 toa ton on eli bell ell chent tan iii tir fo it r c it niti i s I 1 ii e fix alx lx ui tit anem were to the I 1 he case a clar riar ciar q in r ler ter alid and ull its mil it W was s nut not Ingi unito 8 t tu pickup vick pick pit khit kuit up n coppers copper ij chai chat charge ge he lie walked oui out 0 ol 01 1 iti ill stor bior but cut onn awn il d leluc fellow lahe ince i nce ace s of min hin j BC tie uld to 10 a 8 I 1 C on arl irl trl oli oil 0 cant catt asward affard to such cigas I 1 its is chos 1 tiit I imy y auh til ill hardly lat fu itou ou I 1 iw idoni wo oni oui a F li 11 oi oil nul nui a noke nuke buy luy it ehe che cpr igar nidai wa yu 1 I hill A ill lil not bs be able aud to build a house ill ili tu t u yearb earu taro at lins arte rte ile lit dij did not pay par attention aen lioi to til tit monito ri of vi v r und and eid eld ls is is 18 hi ho pt passed isted ho lie dra ill jle k i cinray 4 goiler flints 11 and piti pal I 1 ir lur niree hirer irl iri tr olida riida aids choit lie could not help to drink biti it liun linn ut t aiki bojil R at V etim s d russ russe mooed ed of tir ana KUI ilo iko on oo to tile hie end eod ol 01 tile tiie chapt r and tile were werm hw hij daily iri lus hibits bits it was only ur or it nl dt j liap ilum und and tilbe thebe guin suin were here cre ere so fro imail imal i tivit tint they never caused him filin a it tie tte iuen that trtat they tiry uny any con call ule uio blo portion ot ol 01 hissa his hid lery lary never occurred to him IJ I 1 lid idd iid ild iwan iwas s gratl hid rid his hii appetite or in ili cli cil i iii fit these g it iia sin they feeney to him filin and they lud iud come to ba be regarded us as ne lie Ot still charles charls convene had turned over a new leaf leuf lie ile refrain refrained rei rel raine id d from purchasing a great many mans articie article which lie he had intended to get when lib lie ie received his quarters salary and mid as he ile seated sealed fijn adf sor in the cs cos he lie congratulated liim selfon the firnist ss with which lie had carried out the resolution of the tiie previous evening you are lale late li harles arles said mary alary when milen lie he reached his sunny little collage cot tege I 1 haroleen ha havo have been heen paying my quarter bills replied he hawitha with a smile here they are aro moy roy sweet accountant lie iia threw the bills upon the talie talle and while she wis them lie he tossed his bank book in ber her fitce face what exclaimed she in astonishment as she saw aw the boo dollar 7 yes inyl fir female riale influence lb he influence ofa of a w wife ife and the husband playfully kissed her I 1 arri am convicted and converted too which ii better still 16 I 1 am resolved to be prudent economical no mical saving even parsimonious I 1 am ani glad to hear it ano ang the tha house will be built in five years according inz to uie tie tte pro pr gramme ramme of or the savings bank As he spoke he took from froin III lii his s pocket three of the evening papers not quite cared cured ch charles charies 1 arles aries said slid mary with a smile amil what do you mean journal Tn and traveler two cen cents ts en laughed blary mary you are determined tiie tile publishers why mary marv you have me live without a news newspaper would you griat would be a depth of or barbir barbarism ism to which I 1 would never des c cand nd replied charles with wild a look of astonishment at the tha late resting mentor inen iren tor berth aly nol nil but is not one paper pai er a day enough that thit is but hut a trifle tite tile rain fulls falls in drops but washes the whole earth four cents a d ay iy fora for a year amounts to about twelve do delars dollars lars churls Charlt js scratched his head it was a most ns as revelation to him your tire are right mary one paper is enough charies charles eat rat his supper t iut tut ut was moody and ard abstracted a A new idea was penetrating his brain br iiii till I 1 which lle ile lie he began to think had been rather muddy oil on nii nir ancial tiff irs As he lie rdse from front tha iha table lie he tock lock out his cigar ca case se aud and as he lie did sp p the tha little fellow within who wiio lind spoken to him when hn he came out of the he cigar shop began to upbraid him pretty sharply lie he burn buru d his hs lingers fingers in attempting to light tile the flagrant roll toll and then relapsed into a fit of deep mu musing I 1 1 I 1 11 jd gi are you thinking about charles asked mary after she had bad cleared away the table eh oh I 1 was I 1 thinking how much twelve if abnes es three hundred and sixie itty five are miI twelve welve means twelve cents I 1 suppose sa sad said d she sho performing the problem on the margin of oue one of the tile newspapers here il it is g for cigars udde addid d charles blankly which added to the sum curn p paid jd for superfluous newspapers makes ag s And wenty for shaving i r g A bicci which I 1 may do myself are 0 3 continued charles taking the tiie pencil and ciphering cyp hering away with wilh all his might for a few moments gleasons gleasona Glea sons pictorial home nome journal saturday Con oon coirier rier and monr county paper come comes s to but bat my dear we cant do without our county p per peir exclaimed charles looking lith mith with amazement irto the face of his wife wire I 1 dont want you to do without that charles sherry coelers ice cream and oysters over a hundred dollars by thu thunder uder neer continued charles I 1 turning to his figures aL again In idled led I 1 legin begin to se whee where tile tiie three hundred and sixty |