Atlanta semi-weekly journal. (Atlanta, Ga.) 1898-1920, 1916-01-28
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E& EUV b MISS &ssSIgEENIEN
~ IL LIZZIE o THOMAS MsZzg5T
TO OWN A HOME OR RENT

last week 7 wrote about the Kitchen.
and il has been suggested TO me that
a great many people are beginning TO
think Of a home. There were many
couples united in matrimony this win
ter who have boarded through the cold
months and will now take a house-one
Of their own I hope
So many times L hear young people
say II shall not buy house; by the
time one pays taxes, keeps up repairs
and does all that place requires 10
look decent there is little difference oe-
tween that and renting, and il we rent
a place there are no strings on US.
There are two serious mistakes In
such an attitude When one buys
place IL is not good business judgment
to think a place is cheap or expensive
until one thoroughly examines the
premises. See the deficiencies OF the
Mace whether the locality will JUSTIFY
investing money that must draw inter-
est from the rent If renting property or
IL purchased for a home see whether one
would want ones children 10 grow up
amid such surroundings. See what re-
pairs are needed or will soon be re-
Suired and il in n village see about the
warer supply and how much one VIII
be henmed in Haven't you seen places
ruined. so far as appearances so by nav
ing the coal or wood dumped just over
The frort fence Add the necessary
amount TO repair or 10 change things
70 the price asked. look ahead ana see
what changes you think I'VE years VIII
reasonably make and then decide the
question OF whether the price that mus
be paid is reasonable
The way town property sells so much
dcu-n and so much 4 month, enables one
misfortune should come one can most
always get their equity out Of the prop
artv urovided. and this Is the rock
,rharson so many crafts are wrecked
provided the purchaser does not start IN
Irftb too heavy n debt. / have In mino
two vounz married couples who bought
places three years ago. one oousht Al
a suburb that will never be more thah
IL was then. Property VIII never au-
vance The house was plastered' the
floors stained, the woodwork neatly nm
isbe5 Thev were anxious to pay it on,
they said. so the monthly notes were
,,aje for SIS a month Such notes have
interest added TO them each month, Il
cents a month did not seem much 1heE
laughed at that II cents That VIII De
Sa5I2 s2524, S25.36, an easy way 10
nav interest" And so it is II one starts
right. But did they give up a single
thing7 Not at all
They put in electric lights, bought al
sorts OF furniture on the installment
uIar and had a phone This Just aOOul
took all Of the salary, but he was sure
~ raiss the coming winter. The war
came. and all OF US know what sort OF
a raiss came with II; this mans salary
was cut twice; he almost helo MS
breath. he was so afraid that the ne
cessity OF cutting down the rorce
would demand his dismissal until pusl-
ness picked UP. The real estate people
were nice TO them: they did not get
cent Of money for eight months Inc
furniture house made them sign a note
because the furniture was not we'll
cared for -
when I saw them the furniture note
was due and they had just begun 10
again pay on the house
Here is what girl did: She bought
a home. In fact. several girls 1 know
have done this Her father and moth-
er lived in the house; he was old ana
not earning a cent. so there was no
rent nor board coming in. She had
the notes made small enough, as she
told me. 70 be able 70 take up three IN
two months. but as q matter or tact
she did that about twice. for misror-
tunes came thick and fast. Her father
died in less than a year, and her moth
er soon followed him Then she rented
IL for her board In the meantime she
looked over her weekly expense &C
count TO see where she could save II
cents This she put in a little tin bank
and at the end OF the month she took
out her interest money, and when the
balances had accumulated TO = dollar
IL went into the savings bank, and
when taxes were due she had the
money there
Her furniture was simple and paid
for as she bought IT. Her father and
mother had moved from a distant state
and had sold theirs The fact that
she was smart enough TO have the
purchase money notes made out consid-
erabIy less than she could have paid at
that time saved her place Her eN-
penses and a cut in her salary made
things pretty close, but she always
had the money when the time came
She has now acquired the habit of
thrift and will eventually be a rich
woman unless some serious misfor-