The Baltimore County union. [volume] (Towsontown, Md.) 1865-1909, 1875-11-20
The Trick of it.
,otn &nssC BOUT SAVING McNEY--PLEETY OF or
HPoSTuNIrEs FOR EvEitTDAr ECONOMY.

j / ~
/ #PoaTUNIr1Es FOR EvEitTDAT ECoN0MY.
A writer in Cassell's Family Magazine says:
| If any who read these lines are co nscious that
their pocket are made of such m aterials that
whenever muey is put into them it will burn
a hole until i. gets out, would advise them,
whenever the, take the air, to leave their
money at home,or better still, to keep an exact
account of every half-penny they spend. 1t is
astonishing how foolish small extravagances
appear when the have to be put down in
black and white, afer the temptation to indulge
in them is over. AID they must be put down
in detail, and not conveniently classed tegeth-
er under the general heading of ''sundries"-
The item "sundri,s" is never admitted into
we'll kept househea accounts. No one who has
net tried it would believe what a check it is
| upon personal expenditure to keep thorough
account of none, spent, and not only a check,
but help; for ,rices may be compared and
thus lessons leaned from experience.
Generally spelking, whenever large savings
| have been MADE, they have been effected in
little sums. Very few persons OF ordinary
honesty deliberately set to work to make large
purchases which they cannot afford, and yet
numbers spend just as much in the long run
ir little things that they scarcely think worthy
Of Mic. IL very difficult to realize fully
the value of small sums. If the half pennies
and pennies that lie loose in the pockets were
properly appreciated, there would not be SO
much pecuniary embarrassment in the world
as there is. Many a mickle makes muckle;'
this is true of nothing more than of half.pe
mics and pennies.
These little savings, as a rule, must be made
in personal expenditure more than in anything
else. What is spent over the household is gen.
orally needed, but the small personal luxuries
which cost so little are not. And when any
saving is made in this way the money should
be put aside as saved, instead of being mixed
with the spending fund, and additions made to
it as frequently as possible; that will mako
you understand as soon as anything what small
economies amount to.
When money is put aside to be saved it
should be put in some place where it cannot be
directly got at cannot speak too highly of
the savings bank for this purpose. The very
fact that little trouble and formula has to be
gone through before itcan be obtained prevents
it being spent many time when it most GER
tainly would be if it were close at hand.
ssid just now what was spent fer the house.
hold was generally necessary outlay, and yet,
there are two or three ways in which money
can be saved here that should like to men
tion.
The first is by buying in large quantities.
OF course the danger is that when there is
stock of things to ''run at" as servants say,
they will be more extravagantly used. All
can say on this point is that they must not be
"run at" A proper quantity must be portion
ed out and the rest put away. Then it will be
found that articles may be bought both cheaper
and better in large quantities than in small
ones.
Another way to save expense is 10 pay for
everything as you get it. If you this you
will avoid overcharge, and will bay far less
If the money had to be put down ct the mo-
ment many an unnecessary purchase wovld be
avoided. People who have limited incomes
are those who can least afford to live Oil credit,
and unfortunately they do it more han any
others.
heard of workingman the other day who
was very desirous to save, and yet in looking
cva+ RI expenditures he could not detect any
extravaganza in any part of it, He came to
the conclusion that the only way in which he
could possibly economic was to walk to his
work instead of riding, and to take his dinner
with him from home instead of buying it in
the city. He did this, and put away the money
thus saved, and in few years he found he had
in his possession enough to buy the cottage in
which he lived. He was besides much better
in health for the regular exercise he had taken.
Speaking of dinners reminds me to say that
it is no economy to live poorly. Nature re-
qnires certain amount Of neurishment and
will have it or be revenged, and the revenge
will in all probability take the form of long
Doctors bill or diminished working power
This sort of saving is ''penny wise and pound
foolish" The things to save out of are shamS,
false appearance and self-indulgences, not ne
cessaries. Where is the saving in working in
a dim light to save candles or gas, and I'M ur-
water and bringing on rheumatic fever? In
living on poor food and lowering the system?
Far better wear shabby hat week or two
longer than usual, or dispense altogether with
that piece of fnery you were contemplating.
The worst of it is, however, thatpeop!e are gen.
orally more willing to dispense with necessa-
ries that make no show than with useless ex-
travagances that afford an opportun ty for dis
play which every one sees through.
Before l conclude, must say one word of
warning in reference to small economies. We
continually read in the newspapers of people
who die in misery and poverty, who have per-
their death money is found, which they have
hidden in all sorts Of odd hooks and corners.
With these unfortunates saving has become q
mania, and of all manias I think it is one of
the most deplerable, for after all, money in it.
self is worth absolutely nothing-tis is only val
liable for what it can procure. If it will only
bring comforts and necessaries for those we love
whilst we are able to work, and insure inde-
pendence for ourselves when we can not do SO,
it is worth small economies, forethought, hard
energy, care and self denial. But even gold is
bought too dear when the desire for it is allow
ed to overpower every other feeling.
The WONDERFUL SNAKES OF KENTUCKY
| While out hunting on last Tuesday Mr.. Rich
ard Ives discovered large cave in the side of