The Idaho Republican. [volume] (Blackfoot, Idaho) 1904-1932, 1908-03-13

example TO AID them.
1t might be well to distribute slip
containing also the names and ad
dresses, and if you think best, 20,
could suggest that both husband ant
wife sign the letters, when they d,
not care to write separately.
Yours in service,
EMMA REESOR.
i. + i.
Club women who desire to presen
any matter to Senators Hepburn OF
Borah may address them care of U. s
Senate, Washington, D. c.. Con
gresham French care of House OIL
Representatives.
/. i. !.
Your Savings.
From time to time there has been
occasion to say much in this depart
ment about saving. To many people
who have never saved, or never even
tried to save, the mere thought OF
saving has suggested denial, sacrifice
or hardship. How can / save when
scarcely make enough to liver" is a
widespread plant. Yet, in the main,
this is not true, because modern bust
ness and philanthropic organizations
have provided so many first aids and
helps to saving that they are practi-
cally within the reach and use of
everybody, big and little, white, black
or red, no matter how small his
wages or other means of obtaining
money are.
Saving has been called the symbol
and instrument of mans independ-
ence. Benjamin Franklin once de-
clared that by labor and saving alone
can the Workingman become rich. 1t
is always good to remember two
homely facts; first, that it is not what
you earn but what you save that
makes you wealthy; and second, that
practically all investment begins with
saving. You must have money to
put out to work so that it will earn
more money.
The saving instinct has many foes.
Perhaps none is more widespread
than buying on credit 1t has been
computed and shown by actual ex-
perience that family lives for day
and half on goods bought on credit,
which, If bought for cash, would last
for more than two days.
The approach to savings lies
through some very simple rules, chief
of which are: spend less than you
earn, buy for cash, and keep some
account of what you earn and spend.
No matter in what part of the
United States you may happen to live
you can get in touch with some
agency that will help or encourage
saving. In the absence of postal saw
ings-banks, which, in many foreign
countries, bring the saving reminder
to the very doors Of the people, there
are other forces, Some of them
which exist in this country and
abroad will be explained in this arti-
Gle.
Many persons think that to begin
to save in a definite and orderly
7hion they must use a savings-bank
right away. The truth of the matter
S that the savings-bank Is often the
second or third stage in the journey
toward a savings deposit. By means
Of savings-stamps it is possible to
begin with pennies. This system has
been successfully introduced into
number of American cities, and has
proved to be not only conserver of
money but also an uplifting force for
great mass of people.
For the purpose of concrete illus
ration the plan In use in New York
will be cited because it is the largest
md one of the most comprehensive.
The beginning was significant in
moving Fundamental cause for a
widespread lack of saving, Along in ;
he eighties the workers for the New s
York Charity Organisation Society, =,
n the course of investigations |
mong the poor, and especially in the
rowded tenement districts, discover !
d that there was little or no, saving |
mong the people Wages were al ],
avs used up; many persons were in d
ebt and at the mercy OF shopkeepers
nd pawnbrokers. When sickness, Il
or other misfortunes came. t
nd the income suddenly ceased, b
here was no money in the house. a
ne children were often forced to 7
eg in the streets There was little n
for saving, because the t,
'vings-banks did not begin deposits
18th very small sums Only one G
ank at that time would begin a de- Il
osit with dollar. So the idea Of CT
arting some kind of institution IL