Show i r T. T Watch the Expenditures t rHO r HOW HO TO LIVE v WELL ON A SMALL IN INCOME E f Ma Many May y W Wasteful f Expenditures s I Incurred q rid That hat Could Easily Be D Done me Aw Away y j With With Practice r Practice Small Small- Economies t BY MARGARET E. E SANGSTER It I all ll depends on your jd idea idea a of the the meaning of the adjective vt as' as as' as ap ap- ap applied p. p plied piled t to an Income I I have have k known own a couple who started In its life with what th their lr friends ih thought though flying colors The mau Juau a hadr had a bus buss buss- ness ness berth berth ert with witha a a s salary iah of f. f a ye year rJ The pians The Th mans man's ns n's wife fe we went t to hous house house k keeping wi wish l him hm a in beautiful beautiful 11 liot Se furnished completely iy from from r roof bf to tc basement nt 0 her liberal f father th r. r Hei Her Iler mothe r agreed a Ie d to tog give g ve her bei a ail l her hei clothes Just as when hen she h had d been i a girl girl at home At the end of bf a a 3 year these thes hv two I people t. t p came c can nj e to their th lr r re respective respective parents and aud with le lears-anc lears tears and and rs-and protestations protestations- decar declared ii hat hat th thy they y could not inot ot live liv in town on the meager pittance of of the of the the husbands salary s 1 r Eith Either r they n must hav have twice a as much money or else they must emigrate tc to place Parents Parent P f some Borne c cheap i p COll country try proving inexorable nex rable the e establishment in town was broken up and nd messie r rand and madame betook themselves 1 fi io tai z a a aru ru rural a environment nt W What 1 f be became ame ol of or Oth them m I never learned learned d or r lether they j discovered Utopia in a cheap ch ap village jf If such a village there be under th the blue blue canopy that stretches stretches over over our oui t heads hel Extravagant Extravagant n run through gh Immense sums sums without much trouble It t. t i necess nices r i to tot want every everything every ry thing ting sees seeSt Q e. e buy buy- uy every everything thing Ini om one wants wants take take take no no care car of anything do dc do nothing ones one's self and be wasteful anc and improvident gener generally to a achieve h ev brilliant bril li 11 ant nt success ss i in this direction All over this country people people peo peo- pie who vho have solved the the problem of ol living comfortably on incomes that thai range from or to tb year y ar The first first thing to be thought of Js is shelter A A place to pr protect one tec one front from 1 the and Jo to provide fam am sly fly with With the the outside ae shell shelf of f that that sweet sweet intangible thing we call home The home home being being be be- is the initial requisite r ing selected its it's furnishing comes n next this may be simple or or or Inexpensive It may be and often is fully as artistic and fully as refined and b beautiful wh when i its s' s cost has been trifling as when large sums have been absorbed in the item of up u ry of c chairs airs tables bl s ral p ei and decorations If It it ft b be practicable to build and own own ones one's ones one's home it is in the long run art ait economical procedure as in a afew Jew few years rent e eats ts up In actu actual l cash cash a a sufficient nt amount to buy and wholly pay for a comfortable home It I It is is not an unwise thing to h have ve a- a mortgage a-mortgage the on-the home to begin with is enough forethought and self deni denial l to make payments and and- reduce it Itan an annually an annually until the house is altogether 1 ij f I ones one's s 's on o own i A great deal of wasteful exp expenditure is incurred by those who havethe t too too habit of frequent frequent- prevalent American frequently ly changing their residences At times this t tendency almost indicates a morbid diseased and social restlessness restless restless- ness nessi People move apparently only to to to- try another house on another street w wizen e 1 there ther is not the least advant advantage ge gained by the change and consider considerable ble money and strength are are re lost in the needless removal J People who make a study stud of it and who have ver very small small incomes on which ch to draw have have- assured me that they they can live live ive best est by purchasing household supplies in very small quantity In Paris where frugality Is reduced to its ts lowest terms the householder householder householder house house- holder buys a tiny pat of butter a single chop choo or 01 a single eg egg at need In America a great gr at deal is thrown t away for the reason that too too much much hc was originally bought A 9 keeper who tided her family over ov over r a r. r difficult crisis crisi In hi in its af fairs fairs t told ld me me that she knew precisely how manY potatoes to cook for a family fam fam- ily fly of four how many of coffee should be used in a week week and how many nany lumps pf of sugar It must D 1st have been rather a strain to calculate so c closely o ely as she did but h her r husband and nd children children hildren had enough to to eat and made a a good appearance when th they m w to business and and tos to to s' s school sho ho t and and they got ove over j their theIr their- troubles and swept triumphantly triumphantly i forward for r ward into financial ease A family h in tile the neighborhood with three times times- their ip income me but ut none of f their man management a t 1 were were always on on the ragged r I edge of distress and were were at last sold t l to out by the sl sheriff j rtin Fu Fuel is al always ys ex expensive l ve a and and andis is s tl theone the the- i ione one feature that resists the the careful careful L manager manag l' l In winter we cannot fre freeze z 1 a and and d iii tn most most parts harts arts of this hi country we i h have ve plenty of cOld coil weather It ft is is the provoking pr vo nature of fire to to burn bu n fierce fiercely fierce i- i iy ly on on ona a a hot day and to smolder smolder of 01 or I. I g give ve out only ohlY little heat heaton on a cold day cold day Many M ny a time tinie the heads of the house I t. t f feel el as if the shovels shovels' ls' ls of coal that that t. t rattle into the furnace in winter are are menacing their very life since coati coal is never cheap an and burns away like mad once once the match and the kindling wood wood have set It going Gas rs is Is scarcely an economy economy because being in the control of heartless monopolies the householder house holder is almost certain to be pre presented with a a- abill bill that surprises him by its its its' size and extent and against the which it is vain to protest On On the whole the stinting paring and set scraping must be applied somewhere else To live at all one must have fire with which to cook food and to keep ti warm and the the- thesa sa saving ing must touch some other point Two cautions may be given n people people- who would live well on a. a small in income come Economize ih in the matter of the wardrobe A great deal of money is Js x-e x dl fritt red awa away on dress It Itis Itis is b by no means essential to be always at the height of the fashion A g good od Cut ul of of r or coat oat coat should last las two or three seasons seasons seasons' Instead of one They I I who understand economy and who pay pay- c cash sh often do well by shopping a alit lit lit little tle tie out nit of season Women are by no ho- J means means' t the e only only transgressors in t this ls dray vay Men Men lien are often as extravagant as their wives w ves when hen the affair of exp expenditure ex ex- p ire concerns clothing Cut down the feminine folly of- of of i wasting mon money y on on- soda soda wat water r and and d chocolate chocolate creams creams ie ms c cut t- t down too topi th the the- 3 I masculine folly foll Of bf cigars bf and cigar and cigar cigar- e ties ties' t l. l P Put dt t th the money money spent for these indulgences es in the savings bank and L you ou will soon have a l' l margin for the the- t rainy day I running accounts account They They- They art are perfectly safe afe and a very very great great con con v ice if ones one's income Is fixed fried and large I U If it be beon on the other hand small and uncertain there t lere is no sense sense in buying what one cannot at themo mo mint ment nt pay for Trades people charge charge- perc percentage forthe for the privilege of credit credit cred cred- iV it it- The customer would be amazed be-amazed amazed should he stop to co compute the compute the interest interest inter inter- t est he e pays for for for- th the accommodation given him by the butcher or the baker baker w who o civilly waits 60 days das or 01 90 90 days 90 for the settlement m n nor of or a bill that would better have beep been paid at tho the latest est latest each fach Saturday Sat night Everything v depends after arter all on the on-the the standard of f living giving One Ona person Jerson m may may y J live ye well weIl and save ou on 1 what is is 1 Bible Ible to because another another another- because the oth other r has not not thought though it worth wort while to regard to r 1 y the e homely virtue virtue- of good man management manage manage gement ge- ge 4 ment inert and the practice of or wise wiS economy econ con 1 my omy m a as as prud prudent prudent and d desirable e. e K I 1 b by Joseph B. 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