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Produce All You Can

It is said that the French "have no gar bage pails," a statement in which there is contained a great sermon on the modern ex travagance of those whose garbage pails, of one kind or another, are always full.

The next necessity, clothing, is to be treated in the same way. A working man and a working man's family can be clothed with the same care they can be fed, and they can be clothed so that tailors' bills are few and never a menace to the safety of the family income.

Here, again, household administration must solve the problem as an economic question.

Formerly, the family clothing was the handiwork of the wife. The custom is so fast disappearing that we find little trace of it now. It is the universal desire, nowadays, to purchase clothing from makers who offer well-cut and stylish garments. It is seldom purchased for its wearing qualities, but pri marily its appearance. If this way of procuring clothing is necessary, the family economy must at least find some basis for action in the effort to learn the care of cloth ing, for good care is a guarantee of .a longer lease of life and usefulness.

These observations, simple as they are, show us that the main question, after all, is attitude towards necessities. If one learns gradually skillful administration, which is but another name for common sense applied to daily life, it will be found that even a little money can be made to go a long way. Con versely, if family life proceeds without care or forethought, no amount of money will ever be sufficient to keep up with its habits of carelessness.

Wise appropriation, then, rests on skillful management. It is skillful management alone that will make it possible for the pay en velope to meet all necessary demands and to leave, over and above them, something for the one particular item that the vast majority of people never think of; namely, the regu larly set aside amount for future protection.

Anyone who has never given attention to the science of spending money, and who has never followed a definite system of personal and family administration, can form no ade quate idea of the extent to which they in fluence finances. It is easier by far even for the unskilled to earn money than to care for it. Back of most family poverty lack of man agement is found more frequently than lack of income in wages. So long as an individual or a family follows the hand to mouth rule, just so long is any degree of well-being im possible. This shows us the truth of the opening line of the first chapter, which states that we begin to build a fortune not with money in the pocket, but with thought.

Every wage earner is, in a sense, in busi ness. His skill, knowledge and strength are his stock in trade. His wages represent more or less justly the value of his stock in trade in the market. No wise business man would think of conducting his affairs without a per manent record day by day of its activity. The wage earner should take a hint from this practice and keep a detailed statement of all he receives and all he expends. Otherwise, it is impossible for him accurately to begin the practice of appropriation.

The subject of appropriation in household expenditure has been discussed by many writ ers.

Now, such tables can mean but one thing, and that one thing is System. Out of a hun dred men, possibly not five earning a thou sand dollars a year could be found to lay it out in exactly the manner shown above. That is not the essential fact. But this is: There must be some method back of all family fi nances or the family will be constantly with out money.

There is no better way to fix upon a spend ing system than to join it to a savings sys tern. One not only helps the other but each is indispensable to the other.

A writer * commenting on this principle, says: "Fixed charges are seldom burdensome; it is the spasmodic, irregular, and unusual out lay that is felt with a sense of deprivation. Even the haphazard deposit of money in a savings bank costs an effort of the will. But a definite plan of expenditure that is thought out and arranged for in advance, as the dis posal of a part of one's income in a beneficial way, is no more repellent or irksome than the payment of money for food, clothing or shel ter." And continuing, the same writer says : "Experience of the race proves that the only way that one can 'get money' is by econ omy and by the saving of one's surplus, and it is equally true that the only effective way to save is to do it systematically.

* J. E. McLean, of the American Real Estate Com PanY "To accomplish this, three conditions are essential : "(I) The saving must be done regularly and methodically, according to a definite sys tem.

"(2) The money must be deposited in a safe place.

"(3) It must be so invested as to yield a legitimate interest return to its owner.

"Human nature is so constituted that what we do regularly a few times becomes a habit, and what is habitual is always easy, whether it be a virtue or a vice. But the cultivation of the former, it would seem, calls for more or less self-discipline on the part of every one—even the best of us."

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money, family, care, clothing and system