Waterbury evening Democrat., 1905-10-19
BY MARGARET B. sANGsTER.


 BY MARGARET E. SANGSTER.
 tCopyright, 1905. by Joseph B. Bowles)
 If had my way l would give every girl a moderate allowance in cash to cover her expenses by the week or the month. Please notice, girls, the force of the adjective. 1 would not bestow on schoolgirl so much money that she would be prompted to rush wildly off to spend her little fortune the mo- lment she received it, nor that she could buy all the sweets she craved, or even take unlimited rides in trolley cars, or indulge in any other pastime to her hearts content.
 Nothing is SO bad for most of us as to be able to gratify every wish with out some self-denial. Whether you know it or not, the greatest misfor- tune that can befall young girl when she is growing up is to be able to spend money foolishiy just because there is pleasure in the spending. To be sure there is a good deal of excite ment in going into shop and buying pretty things right and left, and once in while 1t is satisfaction to be just little bit extravagant. But the one thing beyond others that you need Go know, and the one habit you ought to acquire before you are much older, as that of living well within your in- some, whatever it is.
 A girl who has an allowance has an Income, and she is therefore on exact 1y the same plane, so long as she does not exceed it, as the woman who has a deep purse and counts her wealth by millions. A girl without an allow ance is pensioner. She is not neces- sarily mendicant. Her father, her mother, her guardian would be most reluctant to put the little daughter in that position. Nevertheless, she is pensioner Sometimes, on birthdays or at Christmas, her pocketbook is well filled; sometimes when she looks especially pretty or has taken honors in school, or her father is in very ibountiful mood, he throws her bill or Ia coin of gold. and she is temporarily Irich But her lot is not so enviable as that of her friend who has something regular on which she can count, and whose spending money is neither doled out in driblets or flung out by the handful but given her in a business like way on the first of the month, or perhaps every fortnight.
 xrara xo,, ond liuipo iy, {ha beautiful season where the years are approaching the teens, or under IS. I , would persuade the powers that be to agive me an allowance. "' n.'""'"
 Some parents begin when their chill dren are very small. and the first al- lowance is only a few cents a week. This is gradually increased as the children grow older. A girl of 12 should. if possible. have a weekly or monthly allowance large enough to pay her car fares and travelling expenses back and forth to school or town, to pay for her stationary, pens and pen cils, to cover little presents she wishes to give, and dainty articles for her toilet, and to purchase the trifles such as ruching. ribbons and bits of embroidery which make the delicate finishings of a young girls dress. It might and should also include enough to buy stockings. handkerchiefs and other requisites of the wardrobe If a girl has been carefully instruct ed in the art of spending money. by the time she is 15 she should be able to select her own clothes and take entire charge of the outlay for frocks. wraps, hats and shoes. Few girls are taught this art as they should be. It is at least as important as music or French.
 A girl away at boarding school usu- ally has an allowance which is depos- ited with the principal of the school, and on which she Is allowed do draw as she would on a sum in bank. She often has a bank book and a check book, and learns practically how to keep accounts and manage her small affairs to advantage
 ! The daughters of a certain we'll known fnancier have their allowance paid them quarterly. It is by no means dmmense. although it is ample to cover the requisites of young women dn the society of a small town. Should they spend the entire amount the first day after receiving it. no more money would be forthcoming from papa's mill lions until quarter day should come round again. This IS an important feature. if one Is to have an allowance. Parents must not be too ready to make up a deficit.
 A frugal girl contriyes to have some thing left untouched on the last day of the month. An improvident girl is often SO deeply in debt that her money is anticipated and s1e has to pay fl all | out almost as soon as t Is in her hands. which Is a very bad way of get ting along. If you are permitted to have an al i sovance. confer with your father and 1 understand precisely what you are to 1 do with l. Then make up your mind | firmly that yo1 will never overrun the i sum in your POCkstbOok by So much as I Eve cents Provide yourself with a . blank book and pencil You do not 4 need an elaborate system of book I keeping. but put down carefully and legibly every day all that you have spent and subtract ths sun from your