ECONOMY: THE RIGHT SORT AND THE WRONG.
By A MIDDLE-AGED
WOMAN.
CONOMY
is a subject worthy at all times of consideration, but especially
so in England in the present day. As the population increases, the
professions become more and more crowded, agricultural pursuits less
and less remunerative, and the lower classes less and less willing
to do what has been hitherto considered a fair day's work for a fair
day's wages, the position of persons in the middle or upper classes,
with moderate and fixed incomes, must evidently day by day prove more
difficult and embarrassing. For heads of families the outlook is distinctly
gloomy. How to place boys in the world so as to give them a reasonable
opportunity of earning their living in the station of life to which
they are born, is a problem in many cases almost insoluble. How to
dispose of daughters who have no yearning after Girton, betray no
tendencies towards an art career, and fail to display the patience
and self-denial necessary to qualify them for hospital duties, puzzles
many an anxious mother, who plainly perceives, that if she marries
one out of the blooming group around her she may esteem herself fortunate.
Unhappily, at the very time when the means of living are more than
usually difficult of attainment, custom demands more expenditure than
of old in "keeping up appearances." The many pretty decorative
fashions which are the rule rather than the exception now in middle-class
houses, are esteemed daily necessaries, where formerly they were occasional
luxuries. The number and style of dresses and hats required by young
ladies who have left school, if they are to mix on equal terms in
the society of their class, produces a serious item in the family
bills. The flowers for the table, the palms and ferns for the drawing-room,
the hundred and one pretty knick-knacks scattered about not only sitting-rooms
but bedrooms, though often tasteful and refreshing to the eye, cannot
be supplied without money.
Unhappily,
at the very time when the means of living are more than usually
difficult of attainment, custom demands more expenditure than
of old in "keeping up appearances." |
Then there is a perfect rage for "amusement"
among the young people. They must have "society" of some
kind in the evening: just as it is found necessary to furnish the
poor with penny readings, concerts, and entertainments, if we would
keep them out of public-houses and music-halls, so in the classes
above them dissipation in some shape or form is voted absolutely indispensable.
The days when the girls were content to sit at home and work while
the father or mother read aloud, or when the sisters played their
brothers' accompaniments, and the parents listened, pleased, and proud
of their children's accomplishments; when a "party" was
a great event, and chess or other games supposed to furnish sufficient
diversion if reading, work, and music palled, are certainly gone for
the present if not for ever, in town more particularly. We may regret
it or not, but such is the fact; and frequent concerts, little dinners,
and evening "at homes" all cost money. The girls must have
cabs and fresh gloves if they go out, and the most simple refreshments
cannot be supplied to guests without some cost. Truly, the situation
of a married lady of limited income is in these days no sinecure.
We have no doubt that many of our readers are anxiously pondering
over ways and means, desirous to do their duty to God, as well as
by their husbands and children, but hopelessly puzzled how to effect
a reduction in the expenditure, which they plainly perceives will
soon become, if it be not already, beyond their means. Perhaps a few
simple suggestions may be of use to such "married girls,"
as well as to distressed maidens, who find themselves bankrupt long
before the day for the payment of their "allowance" has
come round.
The
first principle to lay down is--live within your income, and cut your
coat according to your cloth. Persons of fixed income, (for whom this
paper is meant,) have of course no difficulty in ascertaining its
precise amount. Take a sheet of paper and write down the amount; then
consider what proportion it is your duty and desire to set apart for
God's service in some shape or form. If you are a wife, of course
this can only be done in union and consultation with your husband;
and if he objects to the proceeding, you are not responsible for the
neglected duty; but for the sake of argument, we will suppose that
you do this. You perceive that you must subtract this sum from your
total income, and regard the remainder as the whole of your available
funds. You will find this arrangement a great comfort and convenience
in everyday life. In distributing your charities, you will be able
to discriminate as your conscience dictates between the spiritual
and temporal demands of your neighbours, between the claims of home
and foreign missions. You will feel no anxious fear lest you are doing
wrong, when you are obliged to deny requests for assistance, because
your resources are exhausted, for you will always know what you have
in hand, and how long it must last; you cannot give what you do not
possess, and we are bound to be as careful to use rightly and wisely
the funds we dedicate to God's service, as those we expend on ourselves.
We are but stewards after all, and should not regard ourselves in
any other light.
We turn now to what we call "our own," as
distinct from our "charity" purse. We know it will be difficult
to make both ends meet, and we wish to make its contents go as far
as possible. We take it for granted that you are firmly determined
not to run into debt, happen what may. Debt is not only a burden which
ruins the peace of the debtor, but it is using other people's money
without their consent; and the difference between that and dishonesty
appears to us extremely difficult to discover. It is clear, then,
that if we cannot stretch our income to cover our desires, we must
contract our desires till they are commensurate with our income. If
we will have show at any price, we must do without comfort. If we
indulge our bodies, we must starve our minds. If we are extravagant
in one direction, we must be parsimonious in another to make up.
It
is clear, then, that if we cannot stretch our income to cover
our desires, we must contract our desires till they are commensurate
with our income. |
A few details will explain our meaning. Mrs. A. feels
it is necessary to live an a "good" neighbourhhod; she wishes,
it may be, to be near wealthier friends; she believes it advantageous
to her children's prospects, or necessary to her husband's professional
success. Very well; she may be quite right to do so, but she must
bear in mind that she spends more than the legitimate proportion of
her money on rent and taxes, and must spend less in dress, or holidays,
or servants, or house-keeping, to make up the difference. Miss B.
is going on a visit to rich friends or relatives; she feels it necessary
to provide herself with a greater variety and a more costly sort of
toilettes than she would have thought of procuring for home use. She
knows she will incur countless little expenses while away which she
most carefully avoids at home; yet she decides that on the whole it
is desirable to go. It may not be extravagant; change of scene and
society are as good for poor girls as rich ones--perhaps more essential,
as their ordinary life affords them little enlivenment; but she should
recollect that the money thus expended must be made up by strict self-denial
and care during the rest of the year. Mss C. has aspirations after
"higher education." She wants advantages which involve expense;
she must not expect, if her parents bestow those upon her, that they
can add to them the "society" opportunities and privileges
which her sister, who requires no art-training, or course at Girton,
may enjoy.
Another
point, in considering the right division of one's income, is the importance
of ensuring justice. How many parents sacrifice the daughters to the
sons, or the sons to the daughters! In some homes the sons are expensively
educated, supplied with sufficient--sometimes too ample--allowances,
and well started in life, while the daughters are kept at home, badly
dressed, poorly taught, deprived of all opportunities of cultivating
accomplishments, making friends, enjoying society, or forming matrimonial
alliances. In other establishments, father and mother make the girls
the first consideration; there is never any difficulty in finding
money for their dress, amusements, or diversions; while the boys are
sent to cheap schools, and early launched into "business;"
their tastes ignored, and the fact brought home to their consciousness
that they are regarded as uninteresting ciphers in the domestic circle.
How often, too, are the domestic resources drained by some favourite
son or brother, who is allowed to waste in vice and folly the funds
that ought to be saved to provide for the future of the women of the
family, whom the death of the father and breadwinner leaves penniless!
Again, it must be remembered that economy is not synonymous with stinginess.
Some people treat their servants and employes with such meanness as
to recall to our minds the text about "grinding the faces of
the poor." We are naturally tempted, when funds run low, and
an opportunity offers for getting our needlework or charing done at
a charge which we know to be below the market price, to avail ourselves
of it. But we should remember that we ought, as Christians, to bear
one another's burdens, and resist the inclination to make capital
out of our poor neighbour's necessities, by giving less than a fair
return for services rendered. There is no need to be unduly lavish
either. Persons who always give cabmen more than their fare, and astonish
porters and servants by the munificence of their "tips,"
no doubt earn a sort of popularity at the expense of more frugal individuals;
but, nevertheless, they might use their money much more profitably
both tho themselves and their neighbours. Once more; we must not be
selfish in our economy. We all have our peculiar tastes and distastes.
The margin for indulging them may be larger or smaller, according
to circumstances; but such as it is, it should be divided equitably
between husband and wife, parents and children. It is not pleasant
to hear a husband, who spends a considerable proportion of his resources
on choice cigars and hansoms, reproach his wife for extravagance if
she fills her drawing-room with flowers, or travels by the fist instead
of second class. On the other hand, it is hard on a man, who is straining
his energies to the utmost to make both ends meet, who denies himself
all kinds of pleasure, and allows himself the narrowest possible margin
of rest and relaxation, to see his wife careless and self-indulgent
in personal expenditure, and eagerly snatching at every amusement
within reach, regardless of coast. It is sad, too, to see parents
depriving themselves of the little luxuries and comforts which old
age demands, that children or grandchildren may have more to squander
on ostentatious show or selfish enjoyment. The cases where parents
neglect their children, depriving them of proper food and suitable
clothing, to say nothing of education and companionship appropriate
to their station in life, are, we believe, much less common, but we
fear they are not altogether unknown. Such parents look at everything
from their own point of view, and systematically stint the nursery
and schoolroom expenses, that they may have more to spend on themselves.
This is not just; the whole future of the children may be injuriously
affected by neglect, physical or mental, in childhood.
There is another side to economy which we must mention
before closing our paper. It consists in making the most of what we
already possess. We have known people who would on no account buy
a ticket for a popular concert, or a twopenny bunch of violets at
the greengrocer's, who shook their heads at taking a cab when an omnibus
was available, and were shocked beyond words at the notion of hiring
a brougham to convey them to a dinner-party, who wasted ten times
the value thus saved by careless use (or rather abuse) of dress or
furniture. Valuable china and fragile glass will be chipped and destroyed
by every-day wear, in order to avoid the expense of a cheap dinner-service
to save them. Little children will be allowed to make playthings of
costly presents, or rare curiosities, till they are broken or shabby.
Rough boys will be permitted to turn the drawing-room into a bear
garden, doing mischief to carpets, curtains, polished wood, delicate
ornaments, and richly-bound books, which nothing can ever repair.
Ladies will expose handsome dresses and expensive bonnets to rain,
fog, or snow, rather than take the trouble of changing them, or endure
the fatigue of carrying a waterproof. Girls have been known to put
a wet gum-bottle on a velvet tablecloth, a lamp on an album covered
with with light morocco, to leave a new book on a chair by a blazing
fire till its binding is irrevocably injured, or to take all the colour
out of a fresh gown by first appearing in it, on a brilliant August
day, on a seaside parade. It is not economy to sacrifice your health
by going without the tonics, or food, or change of air, which may
save you a doctor's bill, and a long period of inaction.
In
other establishments, father and mother make the girls the first
consideration; there is never any difficulty in finding money
for their dress, amusements, or diversions; while the boys are
sent to cheap schools, and early launched into "business;"
their tastes ignored, and the fact brought home to their consciousness
that they are regarded as uninteresting ciphers in the domestic
circle. |
Never give up a bird in the hand for one in the bush.
Do not be in a hurry to leave a tradesman who serves you well, or
a dressmaker who takes pains to please you, because you hear of someone
else who gets her things a fraction cheaper. Very likely in the long
run you would lose more than you save by the exchange. Do not be too
eager after bargains. As a rule the old saying, "cheap and nasty,"
holds good. You may buy two cheap dresses for one good one, but they
will probably last only half the time, and you will have to pay for
making, twice over in the period. Avoid frittering away your money
on trifles which give you little or no pleasure. Young people especially
are tempted to fall into this snare. They buy little things which
they do not want, because the shopman presses them, or because a friend
buys them, or--worst reason of all, perhaps--"because they are
so cheap!" Fix firmly in your mind the conviction that nothing
is cheap to you that you do not want. Try to form the habit of resistance
to the inclination to spend needlessly. Unexpected emergencies are
certain to arise in every life. You may have to go into mourning,
or to find a wedding present, to consult a specialist, or go a journey;
and then what a relief it will be to have a small surplus in hand,
instead of a littler of unvalued purchases in your home, and an empty
purse in your pocket! In may cases, too, it is right to look forward,
and strive to make some provision for the future of yourself or your
family; but this subject is too large to enter upon at the close of
an article, and hardly perhaps comes legitimately within its scope,
so we will only add a quaint epitaph to be found in Exeter Cathedral,
as a suggestive conclusion--
"Did youth but know what age doth crave,
How may a sixpence it would save."