The Worthington advance. [volume] (Worthington, Minn.) 1874-1908, 1894-05-24
Three Ways of Living.

Three Ways Of Living.
Editor Advance
Every one, no matter what his bust
ness, or station in life, may be, needs
to keep an account of his receipts and
expenditures; know just how the
money comes and where it goes.
The farmer needs to do this as we'll as
any other man; many farmers,we feel
sure, do not do this, and they do not
seem to have any clear idea of what
they may reasonably expect to receive
and keep no record of what they arc
expected to meet, and it would be a
cause for wonder if any one allowing
his affairs to run in so loose manner
should be very successful. A man tc
make the most of his resources needs
to handle them as a general handles
his army, because wise general know
ing the number of men under his COM
mand, and what he is expected to &C
complish with them, will first take a
thorough survey of the whole field,
then lay his plans carefully and sta
ton his men where their services will
be most effective. Just SO, man
4 needs to handle his means and oppor-
tunities; know what he has to work
with and how he can make use Of
them to the best advantage, to know
just how it comes and where it goes,
will be found a great help in laying
our plans for the management Of our
affairs, and this knowledge we can
! never have without keeping an ac-
count of our receipts and expenditures.
It is good plan to keep an account
of our expenses, even the smallest
items, and anyone who has never done
this would be surprised to find how
much money it takes to carry one
through the year, and how much of
that money is spent on trifing things
that add but little to our comfort.
One advantage of keeping an account
of our expenses is, that if we need to
retrench we know better where we
can do it with the least Inconvenience
and if we are SUPP csed to save some
thing for rainy Gay that is likely
to come some time or other to
us, we know where the saving
can be most easily effected. There
are three ways Of living; living within
ones means, (that is, living on little
less than ones mooney living up to
ones means, and living beyond them.
The first is the only safe way of the
three; for to live within ones means
will give peace of mind and comfor-
table competence, if nothing more;
if we live fully up to our means we
can at the best but hold our own; and
if we live beyond our means we will
surely come to grief. To make much
Roadway in the world man must
have some capital; not much perhaps
but still he must have some, and if he
has no capital to begin life with, how
is he to get any? We know of but
one way to get it honestly and with
certainty, and that is to see that our
expenses are less than our income.
| It is not how much we earn but
how much we save that determines
how much we are making. If a man
earns five dollars day and spends it
all as fast as he earns it how much
will he have at the end of the year?
while if he earns dollar and a half a
day and makes the dollar serve his
needs he is taking the sure course tc
better his condition. If man can
live on his income he can live on a
little less than his income and hard
!, ly notice the difference. As we said
before,we spend a good deal of money
on things that do us but little good
and we should enjoy life without
them, and possibly more. And every
dollar saved, if used judiciously, will
help us to save more and make more
As the old adage has it, Money
makes money" If man saves a
little money and invests it wisely, he
has sonnet hing to work for him night
and day the year round and some,
thing to help him along in the world
! We do not advocate anything like
penuriousness; we do not advocate
stinting ones self of comforts of life
but we do advocate the cutting off of
useless expenses which add nothing
to the enjoyments of life, and that