The Wellington enterprise. [volume] (Wellington, Ohio) 1867-188?, 1879-11-20
The Science Of Saving.

If any who read these lines are con-
scious that their pockets are made of
such materials that whatever money is
put into them will burn a hole until it
gets out, l would advise them, when
ever they take the air, to leave their
money at home, or, better still, to keep
an exact account of every penny they
spend. 1t is astonishing how foolish
small extravagances appear, when they
have to be put down in black and white,
after the temptation to indulge in them
is over. And they must be put down
in detail, and not conveniently classed
together under the general heading of
sundries." The item " sundries'' is
never admitted into well kept house
hold accounts. No one who has not
tried it would believe what q check it
is upon personal expenditure to keep a
thorough account of money spent, and
not only a check, but help; for prices
may be compared, and thus lessons
learned from experience.
Generally speaking, whenever large
savings have been made, they have been
effected in little sums. Very few per-
sons of ordinary honesty deliberately
set to work to make large purchases
which they can not afford, and yet num-
bers spend just as much in the long run
in little things that they scarcely think
worthy of notice. 1t is very difficult to
realize fully the value of small sums. II
the pennies and half-pennies that lie
loose in the pockets were properly ap-
preciated, there would not be so much
pecuniary embarrassment in the world
as there is. " Many a mickle makes a
muckle." This is true of nothing more
than half-pennies and pennies.
These little savings, as rule, must
be made in personal expenditure more
than in anything else. What is spent
over the household is generally needed
but the small personal Iuxuries 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 make you un-
derstand as soon as anything what
small economies amount to. When
money is put aside to be saved, il
should be put in some place where ii
can not be directly got at. cannot
speak too highly of the savings bank
for this purpose. The very fact that a
little trouble and formula has to be
gone through with before it can be OBJ
tanned prevents it being spent many a
time when it most certainly would be il
it were close at hand. Ihave said that
what was spent for the household was
generally necessary outlay; and yet
there are two or three WAYS in which
money can be saved mere that like to
mention.
The first is by buying in large guam
titles. OF course the danger is when
there is n stock of things to "run at"
as tho servants say, they will be ex-
travagantly used. All that / can say
on this point is, that they must not be
"run at" A proper quantity must be
portioned out and the rest put away.
Then it will be found that articles may
be bought both cheaper aud better in
larger quantities than in small ones.
Another way to save expense is To
pay for everything as you get it. II
you do this you avoid overcharge, and
will buy for less. If the money has tc
be paid at the moment, many an un.
necessary purchase would be avoided.
People who have limited incomes are
those who can least afford to live on
credit; and unfortunately they do il
more than any others.
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 perhap:
received help from the parish, and aftel
their death, money is found which they
have hidden in all sorts of odd nook: