Evening public ledger. [volume] (Philadelphia [Pa.]) 1914-1942, 1921-04-28
HONE budget SEEN
AS.HAPP|NESS AID
Mrs. p. e. Ritchey Says Love.
Iorn Should Dodge Weddings
Until They>Save
HABIT COMES EASILY

pos,ite the high cost Of short skirts
al silk hose. any girl can save money
snO salary of 500 a month"; she
ouons on count every day of the amount
spent. -,...A ..,
- wife I'm thousands Of American
s,n,;lics could be adjusted amicably and
snr lan divorces prevented II the house
h"ld MA we're run on a budget system.
pOS Voung love -lorns could prove the
,.,o depth of their sweethearts love
,,'V " Vuorking out careful budget sys
..,, before marriage. II the girl helped
.,nrk II out and understood all these
snancial difficulties and still consented
~ marry-then love would be proved.
these are some of the things which
Nr. Porter n. Ritchey believes the
tndcet system would do for the Ameri-
U.n social system. Mrs. Ritchey. who
,s director of the home savings depart
msnt of the Savings Banks Association
~ New York. Is In Philadelphia at
,s,Ading the second national conference
~ Mutual Savings Banks in session at
tbe Bellevue Stratford.
"Any girl can save on 800 a
month" she said, ''if she keeps account
n the amount she spends and portions
out her funds properly. II is easy to
set the habit Of saving. I never urge
sny one to save for a rainy day or to be
ncssimistic In saving. remind them
n the things they most long for--fur
coats, new pretty clothes, perhaps an
education. maybe they want to build a
new home. Those are the things they
should save for---an objective that is
pleasant to think Of. ,.
Easy Habit to Get
"And the psychology, of it is that
once the habit Of saving Is acquired, 1t
IL easy to keep up. Then you will find
that in nine cases oAt of ten the person
|Ivho has saved carefully and slowly for
/ some longed for object, is not eager
after all to take every bit of the money
mt OF the bank. Nearly always she
will leave something in for a nucleus to
keep on saving. -"
"The readjustment of industrial con :
ditions in America following the war
has strained relations between hus-
band and wife in thousands of families
Perhaps the husband received $500 q
month during the war and now only
$50. It is hard for most wives to ad
lust themselves to the difference. She
knows he was once capable of earning
| $500 and she is resentful because he
doesn't continue in that class without
understanding financial problems.
1T Is difficult TO make the American
wife keep books. She tells her husband
| It Is none Of his concern where the extra
pennies 60 so long as he Is kept vel
fed and the house in order.
&, tha Nttln xh;ou.
stirred up revolutions and upset thrones
1t is the little spendings that most FIRE
quently cause the trouble where an in
come is concerned.
Only Safe System
"Thc budget system is the only saf,
and sane solution to these social prob
lens Of today. It is much better IL en-
gagged couples make out tentative budget
systems before they marry, so they viii
know just where they are going to stant
on financial matters. II the husband.
mention such a thing after marriage the
wife frequently thinks he is trying t.
interfere with her rights, that he ism
satisfied with her housekeeping.
1T is well to have an understanding
Of such things. II also has another valu,
in that it will prove to the man whether
the girl loves him enough to live virtual,
| on his salary. 1t will prove to thu
girl how much business sense-also wha
salary-her future husband has, as vel
as how much confidence he has in her. ;
Here is suggested budget Mrs
Rtchey made up for the unmarried mai
or woman whose income is from $7'
to $500 a month: