The Caucasian. (Clinton, N.C.) 188?-1913, 1900-08-02
THE SAVING HABIT.
Thrift May be Practical by People oi
small Means.

THRIFT May be Practical by People of
small Means.
The advantages OF thrift TO the
Individual who practices it is not to
be measured by the amount of
money saved or gained, although
that is of importance they include
the formation of q good habit aud
Very Otter the deveio pment of
temperate and contented dispOsi-
ton. Moreover, thrift may b+
practiced by people Of very small
means. the amount OF money
saved is not of SO much Importance
as the saving habit, the dete nina.
ton to live within ones income.
Even those who have very small
wages, II they have steady employ
melt, can manage to rave a Iittl,
money each week without sacrifice
OF health Or real comfort. A saving
o. 90 cents a week, or les than 10
cents day, does not seem great
deal, but IN year il will amount to
more than $23 enough to carry 4
man of small means aud small needs
through two or three Weeks of en-
forced idleness or Sickness. In q
few years even such small savings
will furnish the capital TT quired fol
| the purchase Of lot or house with
which be giduipg may De- ~ sde to
ward becoming a home owner. Or
| the small savings may be invested
10 q business enterprise yielding
| gIeater returns than come from lab
or alone. the habit Of thrift having
| been established, the man learn t.
curtall his wants he is temperate IL
eating and drinking and, therefore,
| preserves his health, and he is bene-
fitted in many ways. Best of all,
perhaps lie is rendered 70 8 certain
degree inde pendent He has no
deots he is capable of caring for
himself II sickness or other mis-
fortune should temporarily deprive
him Of an opportunity to earn his
daily wages. He IS IN little danger
of becoming psuperzed by being
made an object of pubic charity, and
by slow degrees he is tolerable sure
to become m ore and more lndepen
dent, until be has attained com
petence, even though he may not
have made great fortune. Small
SAVINGS seem to be so t1iviai as to b
hardly w ,rth the effort of poor
nan to make them. Yet they
amount to a considerable sum il
the course of years, and one who
has learned 20 be thrifty 6uds, 81
the end Of long term, that he haE
really made few sacrifices IL order
to become prossessed of small bu1
useful Capital. 1t IS said that tn
first Thousand dollars is the hardes
20 save, s I'd this is true, not mere i
lbecauee the other thousands ar
Fbullt p n aceumulations OF inter
EST rs we'll as by savings, but alst
> because the frs thousand represent
he forma tive period of thrifty nab
It's. The general rule to be follow
ed by all who would learn to b
thrifty is to save something, how
ever SIN Ill, from The pay of eacl
. week or month. That means IN tn
l first place the wholesome principl
Of living within ones income, an
in the second place a gain in capita
to be used IN NEE ing reverses o
I fortune, Or, if these be escaped, /
y building up competence. The hat
1t of SAVING, however, is the impol
tant outcome of thrift. Oae nee
= not be stlngy. AS matter Of fac
r thrifty people live quite as well s
:, their exsravsgant neighbors. III
= ouly difference between them is tina
y the thrifty family avoids waste b
learn ug small economies, while th
extravagant family develops tasts
l. beyond the means of their gratiic'
It tion. The thrifty family wants le
and gets what it wants; the e.
travagapt family is always disco
tented. There is nothing more IN
1t portant to the welfare and happ
o. ness of the poor man than habits
thrift, and they can easily be a
d ouired without much sacrifice if O
VS. begins early to SO order ones tast
S. and needs as TO keep expenditur
wlthia the income, whatever tn
- may be.