Year: 1875

pencil md paper and set down, hrst' the


entire income for the year,-hat is, the


young mans salary and the young woman's 6


earnings, if she has any. Then let them set
| down their actual necessary expenses. These


will consist Of rent, clothing, fuel, gas, va


ter, the table, q servant,-if they have one,-


insurance, interest,-if they owe anything


taxes, downtown lunches, cigars, speclhed


sum for church purposes, books, gifts to


friends, the newspaper, stationery furniture
! and few other little items subtract


them, and if the balance is in favor
of the outgo then retrenchment must
be practiced. They must go over the LIST
item By item, and see if some OF them can
not possibly be omitted altogether, and If
many of them cannot be reduced. Perhaps
the rent is too large. Then get cheaper
house. The furniture may be too expensive;
then cheaper must be had The cigars may
perhaps be eliminated, for time ut least.
The downtown lunches may prove burden
some grasshopper. Kill it BY taking lunch
from home to the Office. Buying books is al
ways expensive. This may be saved by
taking books from the Public Library which
cost nothing. Gifts also are expensive. Be
courageous enough not to make them until
you can afford it. Thus one after the other
the items may be reduced until the two may
find themselves able to live within their
income, and gradually procure some little
luxuries. If they find TINT their in
come is mora than sufficient to pay
their ordinary expenses, then they should
plan to save so much per month or
quarter and place it in the savings bank,
where it will accumulate and in time grow
into sum sufficient to procure them home
of their own. Married people without
home are only drifting; with home, they
are anchored It is the first duty Of ali
young married people to bend all their ener-
gies towards getting a home. Having OBJ
tanned it and planted their own vine and fig
tree, they always have base to fall back
upon in the war Of life, starting point in
all their operations, q castle Of comfort and
content for the children. This common
sense view of the financial aspects Of matri-
mony applies not only to those just setting
sail upon its uncertain waters, but also to
u1aAJ u AAo AAf1bakVl9- EO0A AOuoo-
wife keeps her own accounts, and knows
how much every department of the domestic
economy is costing. From these books she
knows how, when, and where to buy to the
best advantage. She knows what tradesmen
are cheating her in weights and prices. By
paying the bills promptly, much Is saved
Nearly all tradesnen want bills to run, where
the pay is sure, for they will in some man.
ner make the Interest on the money. By
buying at wholesale, from one~third to one
fourth is saved in cost, and better and
fresher articles are obtained, because
they have not passed through the
hands OF the retail middleman. In
many such ways as this economy may be
practiced and ordinary common sense brought
into use, so that this problem Of finance
applied to matrimony will not be 80 difficult
of solution as it appears to many. We
have no doubt that there are some Of
our readers who have conducted their
households upon some such common-sense
basis as this. We should like to hear from
them as to the results. Thus far all the COM
munications have been from the grumblers
and complainers- Let Us hear also from
those who have studied and practiced econ
omy as science, and to whom matrimony is
not altogether matter Of money, but also Of
common sense.