The bystander. [volume] (Des Moines, Iowa) 1916-1922, 1919-11-14

lines. This work should be in the hands
OF clubwomen by September. II the
| women of the state body did not place
| confidence in you and your ability they
could not honor you with these respon-
sible positions.
We are hoping the minutes OF the
| May meeting will be ready for distri-
button in the near future.
We are awaiting a full report of the
china shower. Several clubs reported.
We are hoping every club in the state
win contribute.
Martha F. White,
President /. F.. G. w. C.
AS chairman of "Thrift Work - i am
seeking the aid and cooperation of all
members of organizations who took an
! active part in war work.
The fact that 100000 people
through ownership of government Sc
curities have direct and personal
share and interest in the government,
the ultimate object is to popularize
thrift that one of the most valuable les
sons taught will become happy every
day national habit.
The result would be people who
spend freely, but who think before they
spend, in order that, they may get full
value. Wise spending involves weigh
ing present needs, and desires against
justice needs, and desires. While intel
ligent saving and investment provide
for future spending. Whether to cope
with rainy day emergencies or to take
advantage of sunny opportunities.
Practice of these principles will clear
ly make for family stability, increase in
dividual credit, and buying power, and
will directly, and necessarily, contribute
to community, and national wealth, and
prosperity.
We will try and provide speakers on
"Thrift' in communities where they
so desire.
I am sending out pamphlet contain
ing ten lesson on "Thrift. I ask each
club president to appoint a different
club member for each lesson.
These lessons have been arranged by
the saving division of the treasury de-
partment of the United States govern
ment, and are being used by all organi-
cations. I think the lecture method for
these lessons best as they are lengthy
but can be made very interesting.
Outline Of Thrift.
| Definition OF Intelligent Saving
Wise spending, intelligent saving, safe
investment, and avoidance of waste.
! Getting Our Moneys Worth-Saving
| through lending the government, by
| thoughtful spending making wages yield
the maximum in commodity, and com
fort, service, recreation, and advance
| ment.
Protection for the THANKSGIVING for
| a rainy day, saving for old age, insur-
ance, income; and saving for unforeseen
| emergency.
Capitalizing part of Workers Earn
ings-Saving to take advantage of a
sunny opportunity, establishing turn
around'' fund which, enables one more
readily to meet adjustments in employ
| ment or business, establishing the fam
| lily on safety lane' if not, on ''easy
street,
Advancement-Sav for definite
| purpose concrete motive. such as buy
| ing home or making any other substan-
| tial we'll considered purchase; saving
| for an education or training in trade,
| profession, or art, 0 rto give children
| educational advantages or to furnish
them start in life.
! Capitalizing Time-Getting maximum
| satisfaction fro meach hour of labor !;
capitalizing spare time to yield an add
ed monetary return of the greatest pos
sible advantage in self Improvement or
| recreation.
Capitalizing Waste-Turning waste
of commodity or undue deterioration in
to source of monetary saving or of
solid comfort; recreation, or advance
| ment.
Recreation-Saving for well thought
out and desirable recreation or amuse-
ments such as trip or special vacation,
saving to effect substantial purchases
that will add to family recreation.
Martha IF. Prite,
President, I. F. G. w. c.