Year: 1875

That would be ike carrying an
umbrella, when the sun Shines
! Still it is we'll to have an umbrel
Ia in the house


4 can't controvert your logic,
Elizabeth, but I'm afraid we won't
be able to save anything this year.
When I'get my salary raised it will
be time enough to think OF that


Let me make a proposition to
YOU said Mrs. Newton. You say
one-haf of your income has been
expended on articles of food. Are
you willing to allow me thst sum
for the purpose?'


You guarantee to pay all bills
out of it?'


Yes.


Then I viii shift the responsible
ty on you with pleasure. But I can
tell you before hand you won't be
able to-ssve much out Of it.
Perhaps not At any rate I will
engage not to ezceedit.'


That's well. ! shouldn't relish
having any additional bills to pay.
AS I am paid every month, I will at
each payment hand you half the
money.


The different characters Of hus-
band and wife may be judged from
the conversation which has been
recorded. Mr.. Newton had but lit
tie prudence of foresight. He lived
chiefly for the present. and seemed
to fancy that whatever contingen-
oies might arise IN the future, he
would somehow be provided for.
Now trust in providence is a very
proper feeling, but there is a good
deal of truth in the adsge that God
will help those who help them
selves. Z


Mrs. Newton, on the contrary,
had been brought up in family
which was compelled to be econom-
ical, and although she was not
disposed to deny herself comforts,
yet she felt that it was desirable to
procure them at a fair price.


The time at which this converse
ton took place was at the COM
mencement of the second year of
their married life.


The first step which Mrs. New
ton took on accepting the charge
of the household expenses, was to
institute the practice of paying cash
for all articles tE:: came under her
department. She accordingly call.
ed on the butcher and inquired:


How often have you been in the
habit of presenting your bills, Mr..
Williams?'


Once every six MONTHS he re-
piled.


And I suppose you sometimes
have bad bills?'


Yes, one-third Of my profits on
an average, are swept off by them


sAnd you could afford I suppose
to sell somewhat cheaper for ready
money!


Yes, T would be glad if all my
customers would give me q chance
to do So


4 will set them an example then,'
replied Mrs. Newton. Hereafter,
whatever articles shall be purchased
OF you shall be paid for on the spot,
and we shall expect you to sell as
reasonable as you possibly can


This arrangement was also made
with the others who, it is scarcely
needful to say, were very glad to
enter into the arrangement. Ready
money is the great support of trade,
and cash customer is worth two
who purchase on credit.


Fortunately, Mrs. Newton had a
small supply Of money by her which
lasted till the first monthly install
ment from her husband became due.
Thus she was enabled to carry out
her cash plan from the beginning.


Another plan which occurred to
her as likely to save expense, was
to purchase articles in large quanG-
ties. She had soon saved enough
from the money allowed her, to do
this. For example instead OF buying
a few pounds Of sugar at a time,she
purchased a barrel, and so succeeded
in saving cent on a pound. This
perhaps amounted to but triAe in
the course of 3 year but the
same system carried out in regard
to other articles, yielded a result
which was by no meansa tride.


There were other ways in which
acareful housekeeperis able to limit
expense which Mrs. Newton did
not overlook. With an object in