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Waste not, want not.

Any misuse of money is a crime. Hence it is a crime to pay over savings to a man who has acquired the habit of looking honest, and at the same time, telling you that he can invest your money so that you will receive a return of twenty per cent a month on it. The human countenance is amenable to a high de gree of training, and this is a notable instance of it.

But the get-rich-quick scheme is not the only means by which a worker can lose his money. Such efforts often come within the reach of the law when one man attempts to work them on another. They are outside the pale of the criminal law, however, when a man tries to work them on himself. This peculiar violation of the law is a moral one. It happens, on the one hand, when a man so uses money that he sets it to do impossible things; on the other, when he voluntarily dis poses of it without receiving a just value in return.

All such efforts as appropriation, account keeping, administering one's personal And family affairs are correctives that aim to re veal where waste is going on, and to make it possible to eliminate it. It would seem un necessary to suggest to a purchaser of any thing that he should secure as great value for his money as he can with justice to himself and the other man. And yet the habit of care and circumspection underlying this sim ple act is rarely acquired. Hence, it would seem to be true that all of us are wasters of money to a degree.

When money is expended for the necessi ties of life, it should buy primarily, good value. This means clothing for good wearing quality, food capable of providing the highest degree of nourishment, a house so built that the honest work and reliable quality of material will assure years of efficient service. Hence, a purchase aiming to secure what we com monly call "our money's worth," involves con viction, examination, and judgment; convic tion that we actually need it, that it has a part to play in the economy of our daily life; ex amination, that we are assured of the sterling quality of the thing itself ; judgment that con vinces us through examination, of the need, quality, and purpose of the thing.

Broadly stated, all money not so spent is wasted. The subject of waste is paramount over all others in domestic economy; it should be no less paramount in the administration of one's personal allowance. When its impor tance is recognized in these two applications, then waste disappears.

Money is wasted not only in being unwise ly spent, but when the thing it has purchased is not availed of to the full extent of its utili ty. It has been said that the best index of domestic economy is the contents of the garb age pail. Previous generations were wiser

than the present in this. The family was more intimately concerned in the value of its do mestic supplies. Greater value attached to all items of personal property. The phraseol ogy of old wills proves this : "I bequeath my Bible and my brown suit to my nephew." One can imagine how a nephew, in these days, would feel to inherit a book and a second hand suit of clothes. Yet in former times, the Bible and the brown suit were valued for their permanent usefulness. They were not held in little esteem.

Purchasing wisely for utility is, however, a plan of very elastic nature. Flowers for the home seem as substantial a purchase to a lover of beautiful surroundings, as good food does to one whose appetite is hearty. But wholesome food should come first. Many a person buys jewelry who is not substantially clothed. And yet, jewelry is often a logical purchase, but only after necessities have been assured. A beautiful picture can contribute an infinite amount of pleasure to an art-lov ing family—but if it be purchased at the ex pense of proper clothing and protection against the inclemency of the weather, an inverted order has been followed in place of a direct one.

This leads to a suggestion that is probably followed to its natural conclusion by only a few people, and yet when once followed, it automatically sets things in order and never once do we begin to buy jewels and pictures when we should be purchasing necessary cloth ing and other like essentials. The moment af fairs begin to shape themselves, and the requisite way to live is established—namely, within the income—every member of the fam ily should be gradually supplied with his es sential equipment. A workingman has to have working clothes and a best suit; hats and shoes for work and for leisure; an ade quate supply of linen; warm outer covering for cold weather; rubbers or strong shoes for stormy weather, and so on. There is no worker who cannot, taking a year into con sideration, make up a list of the things he actually needs. Let him, his wife and chil dren make their lists, and, as circumstances permit, let each one own his required equip ment of personal supplies. Now, if every item be purchased for durability, and be cared for adequately and renewed when it is worn out, the waste of buying inessential things before the necessities are secured, will be avoided. Then the house may be beautified, and after that, other luxuries may have their place if they do not infringe upon the one essential aim—to provide for the future.

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money, man, value, quality and personal