Kingsbury County independent. (DeSmet, Kingsbury County, S.D.) 1894-1929, 1906-07-27
the formation of the habit that csssts

rather than the incentive.
The amour saved Nhould be fairly
proportioned to the individual eafn-
ings and expenses. The woman who
ought to be able to lay aside nve dol
lars of that sum-, even though she nave
to contribute her snare to the famny
e~xchequer; and she Will do wisely 10
put 1t straight out of her pay envelope
into a savings bank, where 1t will not
only be safe, but earning interest TOT
itself beside.
The average working girl. however,
does not earn anything approaching
his comfortable salary. In fact. the
weekly wage OF the great majority or
feminine toilers does not exceed eight
dollars, and out OF this sum 1t Is clear
ly impossible for the self-supporting
girl to put by any considerable amount.
However, by din Of practising small
economies and r~efraining from small
eNtravagances, she should be able 10
saw anyway twenty-five cents u
week, putting 1t regularly into a small
lookup bank. and never-oh, never
upon any pretext whatsoever, borrow
ing n part OF IT.
The sum Is not large in itself, but IL
the system be faithfully followed up
the little bank will. at the end OF i've
months, contain five d~ollars-enough
to start a real bank account. From
that time on the task becomes easier
because, In addition to the quarter be-
ing put weekly into the little home
bank. the nest egg In the public bank
is steadily growing larger, without any
effort on the part of it's owner.
Computing the interest at 4 per cent,
which is the rate paid by most savings
banks. the girl with the bank account
gets 20 cents a year interest for every
So credited to her handbook; n at rs
oantG "a u.nak cha ca VEG aYQptlv S12 81
year.
One should not. however, try to save
at the expense of comfort and health.
There is no common sense, to say moth
ing Of economy, in denying oneself the
necessities OF life for the sake of u
bank account. 1t is an advantage
rather Ia a necessity to save money:
it is neither one Of these, but wanton
foolishness, to starve oneself either
bodily or mentally in order to attain
that end.
Next to actual living expenses, cloth
ing is the most v~exatious and costly
problem of the self-supporting girl.
She must be passably well dressed in
order to hold her position; at all events
her clothes must be neat, well fitting
and up to date. 1t Is not always eco
nomical to buy cheap clothing, al
though 1T is conceivable that circum-
stances might sometimes make 1t nee
essary to do this.
At certain times in the. year how
ever-usually when the first rush of
the season Is overt is possible to
ecu really stylish clothes OF good
quality at a considerable reduction
from their original figure; n 1t pays
to wait for these opportunities. One
can always make the old things serve
a few weeks longer with the aid OF the
patch and sewing bags.
The girl with little money needs to
cultivate Judgment in buying clothes.
Pronounced styles and glazing colors
are a poor investment, for not only
does one loon tire of them, but they
quickly become common and passe.
The girl who buys wisely is the girl
who knows what becomes her, what
she wants, and what she can afford
to pay, and who gets out on her shop
ping expedition firmly resolved to find
the desired combination.
1t is not advisable to attempt to pcr-
chase important articles of dress with
in the limited scope of the luncheon
hour, for in the inevitable hurry and
worry one To practically certain to Sc
select something entirely different from
the thing wanted. 1t Is better to lose
half q days pay THAI to addle oneself
with an impossible gown or a badly
made, Ill fitting pair of shoes.
Gazing properly for ones clothes
makes an appreciable addition to their
term Of usefulness. 1t really does not
a k long to brush them when they are
taken off; to put waist, skirt n Goa
on separate offenders n hang them
in the closet in the wardrobe: 10 put
ones hat In the box. to fold the veil
neatly, and to air the gloves, pulling
them into shape and laying them full
length in the drawer.
A girl Is tired after a days work, of
course; but when you reflect how much
fresher and smarter the clothes will
look when they are put on sgain in the
morning, and how much longer they
will remain presumably wearable. the
little extra fatigue that the task
involves will not seem worth consider
ing.
1t is a good plan to lest mes clothes.
One days airing and one days wear
ing ought to be the invariable rule with
gowns, corsets and shoes. The latter
articles a be mad to retain their
good looks much longer thar they
usually do II smoothed into shape when
taken off, rested every other day on
trees, cleaned regular with some emol-
lent ~polish-not the customary dress
ing which cracks them irreparably-and
sent to the shoemaker for treatment
whenever the heels begin to show signs
Of wear.
Avoiding uts.e means
much to the girl who would ave
Candy, soda and ice cream are among
the things she "a and must dispense
with unless someone else Is generous
enough to treat her. Face creams
bleaches and the like no healthy girl
ever needs, for all skin ble1nishes have
their origin in the stomach and liver.
Perfumes are an expensive luxury
and to make lavish use of them Is not
good form. Bargain sales and the de-
partment store rinket counters are
sworn enemies to bank accounts.
On the other hand. fresh air. excur-
sions, a good magazine and an occa-
sional concert and theater party come
under the head of necessities. To deny
oneself everything Is TO sap life OF all
it's joys and make 1t not worth living.
The girl whose Unborn propensity for
buying things she does not need leaves
her without funds for those she does
need should invest In g scent account
book. IT will help her TO keep track of
her expenditures and. IL faithfully kept,
will teach her to avoid frtttering money
away on foolish triies. 1t will remind
her of her financial indiscretions Ike an
accusing conscience-and shame her
into doing better.
The arrival OF summer In New York
impresses on the housekeeper the fact
that 1t Is almost as expensive to keep
fine things as 1t Is to buy them.