The morning call., 1890-07-05
SAVING MONEY.
How to Keep a Dollar Until Sat.
urday Morning.
Various rev;ces Adopted by the Extravsgant
Wage Worker = Unels Sam and
the Landlady.

Some men are born rich and others have
riches thrust upon them, but the man who
receives nothing but moderate weekly
salary is exceedingly fortunate if he ever
saves a cent. Even where large salaries
are earned the art of saving is almost I'M
known, and very rarely practiced. Save
the dimes, and the dollars will take care of
themselves is en- old saying, but the pro-
gressive American has no time for the
dimes-its the big, round dollar he is after,
and to win it he risks his surplus change.
Then, too, every man likes to live like his
neighbor, and enjoy life while he has the
means, and the many inducements to spend
keep his purse in a somewhat impoverished
state. Hrw not to spend money has puz-
Zled many poor fellow with small in
come, and vari ETY. of ways have been
tried to tide over from payday to payday.
A New York man once thought he had
found tile sure and certain road to wealth,
but, like all other good roads, it was not a
pleasant one. He was drawing good
monthly salary. and his plan was TO place
large portion of it in Jersey City bank
each payday. He selected the bank which
was the most difficult to reach and farthest
away from his place of business in New
York City. For several months he con-
tinued to make regular deposits and his
bank account continued TO grow. When
ever he needed a few dollars the difficulty of
reaching the bank in less than an hour and
another hour to return deferred him from
making raid on his savings. A friend.
however, one day suggested a remedy in the
shape of check. For some weeks he fought
the disposition to draw one, but eventually
the check was drawn and the money spent.
After that the second check came easier,
and finally the whole sum disappeared.
To a great many men the idea Of saving
tlaly az m luta 10 rn6 arg
is altogether out of the question. With
them it is question of how to arrange it so
as to have few dimes left on the morning
of the next pay-day-car fare at least The
man who can carry his wages, or portion
of it, in his pocket from one payday to an
other, is an exception; and some of those
who have tried to do so eventually desisted,
as 1t entailed 200 much mental anxiety and
never proved a success. AS one man once
remarked:
1t worries me so much to have money in
my pocket that L can't work till it's gone;
and when Eve spent the last cent Pm ready
to turn in and earn some more"
HID TEN DOLLARS.
A dry-goods clerk once had great diff
Guilty in making his salary last from Satur-
day night TO Monday morning. 1t Invari-
ably burned hole in his pocket and disap-
peared. After many attempts and much
planning he finally struck certain way to
start the week with good-sized bill, and
one Monday morning he startled his COM
paniOns by flashing $40 bill before their
eyes. Their first query was, "Where did
you borrow it?" he finally convinced
them it was q part of his salary, but didn't
explain how he saved it. His plan, how
ever, was to hide 1t among the bolts of dry
goods on the shelf behind his counter just
before leaving Saturday night, and the
store being closed on Sunday, he could not
get at it. He thus placed it beyond his
reach.
Another scheme tried by printer was to
take portion of his salary ON payday, en-
close it in an envelope, address it to himself
and stamp it. AS soon as he left the Office
he would make bee line for the nearest
letter-box and drop the letter into it with a
sigh of relief. Monday morning he invari-
ably started to work broke, but the post
mans early visit brought him his letter,
and few minutes later he might be seen
quenching his thirst. This plan worked
charmingly so far as the first part of the
week was concerned, but the last half
always found him without cent. To remedy
this he made arrangements with friend in
Chicago TO remove an outside envelope and
renal the letter which it contained, the
second one being addressed to himself. In
this way he managed to have some few
dimes all the week.
Two friends, working at different trades
and having different pay-days, sometimes
aid each other by means of loans. Tom
gets paid Saturday and he lends Bill So or
more. Bill on Monday or Tuesday returns
himself just that much ahead, or as he
sometimes says, tits just like finding it."
The imp0ssibility Of keeping money in
his pocket was certainly admitted by the
man who had ten silver dollars melted into
a small brick. which he took with the regu-
larity of clockwoIk TO pawnshop every
Wednesday morning and borrowed S. on 1t.
The pawnbroker had tested it and would
have advanced its full value, but the bor-
rover never wanted but So.
PRIVATE BANKS.
In any large Office or shop where there
are a number of workmen employed in one
room the jingle of silver dollar by one of
the employees three or four days after pay
day will cause a murmur of surprise among
his companions. This surprise does not
mean that the men are poorly paid, but the
wonder is how the owner Of the dollar man.
aged to hold on to it. In one large eStab-
lishment in St. Louis an employe named
Jones returns to work Monday morning
without a cent of the wages he received on
the Saturday previous. but just as sure as
Wednesday comes Jones salutes the ears
of his comrades with the jingle of a silver
dollar. On Friday he has another. How
he managed to save these 81 from the
wreck was mystery till Jones explained
it this way. At his boarding house was a
friend who worked all night, and who met
Jones but once week-on Sunday.
To this friend Jones gave every
Sunday morning two silver dollars,
to be returned one on Wednes-
day and the other on Friday, the landlady
being the agent for the transmission of the
cash 1t frequently happened that Jones
would like to have the Wednesday dollar on
Tuesday and the Friday dollar on Thurs
day. In order TO get the money he would
leave a note for his banker friend. The
banker, however, invariably reported
cashier out. VIII pay tomorrow morn
ing" So Jones would have to wait.
Frequently the boarding house lady is in
duced to act as banker for her boarders
This is the case with young man employed
in a retail cIothing-store on Broadway.
Every payday he hands the lady five silver
dollars, with instructions to let him have 81
each succeeding morning. beginning with
Monday. To prevent his securing more
than 81 each day he made an agreement
with her that if he should even request her
to give him dollar before it is due he re-
linQuisbes all right to it, and the dollar be-
comes her property, and she holds him TO
the bargain strictly. He may hint all he
wants to, but a direct request loses the dol
lar. He hints, but never gets it.-St. Louis
Globe-Democrat
Jewels of IhnupIf.