Living on a Little

At the Very Beginning-Dividing the Income

Mrs. Thorne laid down the letter she was reading and looked across the table to her husband, who, as he was industriously engaged in buttering a muffin, paid scant attention to her for the moment. Presently, however, as he became aware of something portentous in the air, he looked up and inquired:

"My dear, you alarm me. What's the matter? Has the bank suspended and are you considering how best to break the news to me, or has Dolly eloped with the ice-man?"

His wife did not relax her important expression as she replied, "Dolly's engaged."

"Engaged!" Mr. Thorne assumed an overwhelming surprise. "You don't say so! Now who in the world can she possibly be engaged to?"

Mrs. Thorne regarded him with scorn.

"Just as though you did not know perfectly well! Who could she possibly be engaged to but Fred Mason? I told you a month ago she was certain to be."

"So you did," was the soothing reply, "but I strive to please, and I thought from your manner that you hoped to astonish me with the news. So she's really and truly engaged. Well, I'm glad of it. Fred's a good fellow in spite of the fact that he has arranged to be a brother-in-law to me when he knows that I hate brothers-in-law; and Dolly's a great girl."

"Dolly's a dear, and I only hope he's half good enough for her. But that is only part of the news in the letter."

Her husband took another muffin and looked interested.

"She wants to come and spend a year with us; if we can take her, father and mother will go abroad. Her idea is to learn how to keep house. Listen to what she says:

"'Dearest Mary:-

"'I don't suppose you will be exactly amazed when I tell you that Fred and I are engaged, for when I wrote you last I realized that you must know what was in the air. And I don't suppose I need say that we are the two happiest people in the world and that Fred is the dearest-'"

"Skip all that," pleaded Mr. Thorne.

"Well, I will; but she goes on to say that the firm Fred is with has offered him a better salary than he has now, provided he will go to South America for a year and really learn the business. I'll begin there:

"'That means that we can get married as soon as he comes back, for then he will have as much as eighteen hundred a year, certainly. But even so, with rents so high and food going up daily as the papers say it is, I am sure we shall find it not too easy to make both ends meet, especially as I strongly suspect that years in an expensive apartment hotel do not exactly fit one for living on a little.

"'All this brings me to the point of my letter, which is: won't you please let me come and live with you for a year and learn how to manage? That would be a cool proposition, I am aware, but for certain mitigating circumstances which I hasten to mention.

"'You said in your last letter that Delia was leaving you to be married; I suppose by now she is only a memory. You also said that you dreaded getting a new somebody in her place because you were confident that Fate had in store for you a high-priced, high-spirited and extravagant person who would smash your things and possibly order you out of the kitchen, not to mention putting whole loaves of bread in the garbage pail daily. Now if that remorseless being has not yet arrived, won't you consider me in the light of an applicant for a place as general housework maid in her stead? I'll do anything and everything. I'll take the place of a butler, a cook, a house-maid, a waitress, anything you can mention except a laundress, and you can order me around all you like and I'll never, never answer back. My aprons shall be clean, my hair tidy and my kitchen immaculate. I won't ask for a latch-key, and for only occasional afternoons out in cases of great emergency, such as matinees or afternoon teas and such things. And I'll solemnly promise not to have a single follower.

"'It won't cost any more for you to board me than it would a second edition of Delia, and what you save on wages you can turn in toward the dishes I break and the ingredients I waste in my apprenticeship. Please, please let me come! And send a telegram, for this suspense is wearing me to a thread.

"'Fred sends you his love and says he will be perfectly easy in his mind about me if I am with you while he is away. And he thinks it such a good idea for me to learn to cook!

"'Affectionately yours,

"'Dolly.

"'P. S. Isn't it too perfectly dreadful that he has to go away at all! I'm just in despair.'"

Mrs. Thorne laid down the letter and looked eagerly at her husband. He was smiling broadly.

"Let her come," he said as he rose from his chair. "Poor, heart-broken young thing, it would be cruel to refuse her. Let her divert herself cooking up messes; if we can't eat them we can always invite company, who can't refuse. I'll send her a telegram as I go down town, and congratulate and condole with her, and incidentally include the invitation she wants."

So for a week preparations for the coming of the new maid absorbed her sister's attention. Delia had been a treasure, and there was little cleaning up to follow her departure, but on general principles the pantry shelves were scrubbed and some new saucepans purchased to replace the burned ones bestowed on the ash-man; the dish-towels were done up with extra attention to their folds, and the kitchen window had a fresh curtain.

Dolly arrived presently; rather a pensive Dolly too, for Fred had just sailed and life for the next year seemed scarcely worth living. But after she had unpacked and settled herself in her pretty room her spirits revived, and she was able to look forward to her stay at her sister's with some degree of resignation, if not enjoyment.

When the work was all out of the way the very next morning she produced a blank book and pencil.

"Now sit down close by me," she began importantly, "and let us begin this very minute with my lessons. You see, I am going to do this thing in a really systematic fashion. You had to learn as you went along, I remember, and I dare say you made a lot of mistakes and wasted a lot of time; my plan is to take everything up in order and to write down all you teach me, and then I shall have it ready to use at a moment's notice.

"I have got a nice ruled book, and Fred and I talked over some things, and he put down some columns for me to fill out. See-first comes Income; then Food; then Rent; then Fuel, and Clothes, and so on. Mary, you have no idea what a practical mind he has! So you see we can take up these things and get some sort of view as to what it will cost us to live; then we shall know where we are. Later on, in the book, I will write down other things, such as suggestions on How to Save Money, and things like that, you see."

Her sister regarded her admiringly. "My dear, I didn't give you credit for so much forethought. How I wish I had had anybody to start me right! When I think of my struggles and of what a time it took me to learn how to manage on a small income I wonder I have survived. I did make such blunders, and then I cried,-I cried bucketfuls of tears, and most of them at least could have been saved for other and important occasions if only I had been taught more practically. I do think it is too difficult for a girl who has always lived on a liberal income, and never had to think twice about expenses, to suddenly have to get along on a tiny amount of money all by herself. I certainly will promise to save you some of my mistakes."

"I really scarcely know where to begin," said Dolly, as she brushed back her hair, "but perhaps we had better give my book a title; I shall call it 'Living on a Little.'"

"Then the first question to settle is this: 'What is a little?' and that has about a hundred possible answers. You can easily see that to a couple brought up 'in marble halls, with servants and serfs to command,' five thousand a year might seem a pittance, while other people would cheerfully begin housekeeping on five hundred dollars and think it plenty; it all depends on the point of view, of course.

"But this is the way I reason about an income: to live with any real comfort on whatever is to you a little, you must be a good manager; when you have arrived at that desirable point, the actual amount of your income does not matter so much as you would think, because, you see, you know how to get out of it all that there is there, and it is enough for your needs.

"Do you remember that friend of mother's, Mrs. Grant, who had that perfect palace of a house and an income of fifty thousand dollars a year? Well, I have never forgotten that one day I heard her say that for the first six years of her married life she and her husband lived on a salary of six hundred dollars, 'and,' she said in the most complacent way, 'I could do it again, too, if I had to!' You see, she was a good manager and she realized it. She had learned just how much to buy at a time, and where to buy it, and what to pay for it, and how to make a small amount of money do as much as twice that.

"Now I have been married only six years, but I have learned a lot in that time, because we have had to move from one place to another and our income has varied so much; then you know all one winter Dick was ill and we had nothing to live on but what we had saved, and so we had to be very, very careful. I really feel that I have mastered the problem of living on a little."

"Then I'll begin my book with the result of your experience in a nutshell, or in an epigram, or something, please, if you can put it that way."

"I don't believe I can do that; but here is the main part of it: Keep down your table expenses. You see, even if you wear your old clothes and pay a lower rent than you have been accustomed to pay, and walk instead of riding, you still must eat, and you must have nourishing, appetizing food, or you will have doctor's bills which will terrify and impoverish you. Unless you can set a good table for a small sum of money, you are lost on a narrow income, and if you know how to accomplish that economic feat, you are safe. So that is my first great rule for living on a little: Learn how to have a generous table for a small sum of money.

"You will find you have to study the food question with a will, too, if you mean to master it in a year so you can work out its problems easily forward and backward, as you must. You see you begin by learning to manage with a fixed allowance; then how to buy in places that are not necessarily the best ones, but the best for you; how to cut down expenses when you have been extravagant or have to entertain, and how to lay in supplies when you have a surplus of money on hand; what to get in quantities and what to get in small amounts; what to do with the left-overs, and how to eke out one thing with another so as to have enough when you are short. It is as difficult to be that kind of a housekeeper as to be a great whist player or a concert artist! It is easy enough to make a little money go a long way if you are a clever manager, and fatally easy, too, to drop a little here and there till you are actually bankrupt, if you don't understand just how to live. So put your mind on the food question, my dear."

"Then tell me what to put down under Food; that seems to be the next item after Income; that I put down as $1,800, though of course that is only a sort of average, because we are not positively certain just what we shall really have, but it will be about that. Now what will it cost us a year for our table?"

"We will put down just what Dick and I spend-about a dollar a day; you can feed a maid or a sister on that, too, so I am sure it is enough."

"It certainly does not seem so," Dolly murmured, but she obediently set down "Food, $365."

"Then here is my second question: 'Which is the cheaper place to live in, the city or the country, when you have only a small sum to put into rent, and such things?'"

Mrs. Thorne considered.

"The fact is I cannot say with any certainty, though we have tried both places. We found the balance was pretty even. Suppose you live in the country; there rent would be less than here. We pay forty dollars a month for this small apartment, and we paid twenty-five for a whole house there; but to offset that, Dick's commutation ticket used up the difference. Of course if your home and your husband's business were both in the one country place, that would be saved and you would be ahead; but I am supposing the business to be in the city.

"Then in the country we had to burn a great deal of coal in the furnace and the kitchen range, and that was a decided item, while here we do not have to consider that at all. In the country we had to hire our walks cleaned, and here we do not. There I simply had to have a maid, because I could not do all the work of a whole house, and here I can do without perfectly well if I like. Really, you see things were about the same in those ways, so we will waive the question for the present and get at it later by degrees according to your own needs."

"Then what shall I put down under Rent? Shall I say $40 a month and put down nothing for fuel? That would be right in both city and country you see, the rent here more and the fuel less, and there just the reverse."

"Yes, I think that will be fair."

So that item went down: Rent and Fuel, $480.

"Wages come next. Do we settle the servant question here and now, offhand? I've always understood that was a life-work, and you might even go to another world no wiser on the subject than when you came into this one."

"It is a great subject, certainly; anybody who has had an average experience can testify to that. I scarcely know where to begin to tell you what to do. But let us see. Suppose you decide to keep a servant, at least at first. For general housework in the city you will have to pay $5.00 a week, and you will be lucky if you get any one who will do your washing for that; probably you will have to pay $5.00 and put the laundry work out; at least that is what your maid will ask."

"Well, she won't get it, then," said Dolly decidedly. "She may as well understand first as last that two people who have not much money to spend cannot pay five dollars a week and still put out the washing. It's perfectly absurd to expect it." She shook her head indignantly at the imaginary maid who was supposed to have made the preposterous suggestion.

"Let us give up having her at all," smiled her sister. "Perhaps, instead of taking a competent person, you can get a newly landed Finn or German who will consent to wash and iron, cook and clean, all for $4.00 a week; you really cannot do much better than that. Then you must teach her everything, of course, and do all the dainty cooking yourself, beside. You must also allow a good deal for her food; she will be accustomed to eat a great deal and of a substantial sort."

"I don't like the idea of an untrained maid, at all," said Dolly rebelliously.

"It is nice to have somebody, though, especially at first, because no bride likes to cook in her new clothes, above all at dinner time. Still, many a clever girl does do all her work and still manages to be always rested and fresh and prettily dressed; it's a miracle how she does it, but you must learn the secret if you have to dispense with the maid, my dear, or risk seeing romance vanish!"

"Well, you know how! I'm convinced Dick thinks you a perfect Queen of Beauty and a Madame Recamier of cleverness and a female chef and everything else that is desirable in a wife, all rolled up in one prize package."

"Well, if he does,-and let us hope he may!-remember how long I've been in the business of learning how to manage. You must try and get to the point without wasting the time I have put on my lessons. But to go back to that perennially interesting question, Concerning Servants; put down $200 under Service. It really ought to be a little more than that at $4.00 a week, but as your Finn will certainly never stay a whole year at a time, you will probably do your own work for some weeks at least, and so save her wages."

"I have about decided not to have either a Finn or a German or anybody else. I think I'll do my own work and have a woman in to wash and iron and clean by the day; that will save something, won't it?"

"Yes; but in town, at least, you will have to pay $1.50 a day, besides car-fare and meals; that is pretty expensive for you."

"Well, why can't I have a woman just to clean, say a day, or even half a day at a time, and put out my washing?"

"Laundry work is dreadfully expensive. You must pay, at the very lowest, fifty cents a dozen, and more for all the fine things, such as white petticoats and shirt-waists. I don't believe you can afford it. Why not try this way? Send out all your washing except the finest things and have it returned rough-dry; that is a rather cheap way of doing, if you send a whole wash; then have a woman one day to iron and give you perhaps an hour or more of cleaning, too. There is an economical and a practical plan, to my thinking, but very likely you may not find it the best one for you to follow. For that particular one, you must experiment and study conditions for yourself in the place you live in; what would do for me here might not suit you at all elsewhere. But anyway, we will put down $200 for service, for I doubt if it will be less than that amount, no matter how you manage."

"And the next item I suppose should be Clothes."

"Yes, it ought to be, but here is a difficulty. The first year you are married the sum will fall way below the average, for your two trousseaux will supply your needs. Suppose this time you put down $150, just to have something to go by; it will be at least double that, possibly, after awhile. Now if you will add up what you have there you can tell what you will have for the most important item of all, Incidentals, which we have left for the last."

Dolly added in silence for a moment, and then read:

"Income $1,800

Food $365

Rent and Fuel 480

Service 200

Clothes 150

---

Total $1,195

"Or, say $1,200; that, subtracted from what I hope will be our income, $1,800, leaves $600 for Incidentals."

"And that is very much like a skeleton in the closet. Incidentals, my dear Dolly, are the very worst foe of all young housekeepers. I wish I could impress upon you from the very first to watch that column. It must cover everything we have not put down, and the name of them is Legion. Doctor's bills, dentist's bills, church, books, magazines, car-fares, entertaining, pocket money of every sort, gas bills,-unless you can get those out of your table allowance, as possibly you can, and perhaps you can not,-and vacations, and amusements, and two things that ought to come first of all, and you must never, never forget or treat lightly-life insurance and the savings bank account."

"Really, Mary, you frighten me!"

"You may well think of these things seriously at least, because they need that sort of consideration. Six hundred dollars is very little for all those items, and yet it must cover them. Life insurance is a necessity; don't ever think you can dispense with that, but keep your premiums paid up if you have to live on bread and water to do it. And the savings bank; into that must-must, Dolly-go a small sum every single month. Nothing makes one feel so at peace with all the world as to know that there is a small but growing sum laid by for the rainy day which is absolutely sure to come just when you can least endure it. Think what it means to have something to fall back on in a great emergency! It is so fatally easy to forget about that and all these other things which devour that sum under Incidentals, and then, behold, the end of July finds one with the next December's money all spent! Candy and flowers and theatre tickets and other nice but unnecessary things will behave in just exactly that way; they will simply devour Incidentals."

"Well, I'll try and keep a stern and watchful eye on the column," said Dolly, "and when Fred's salary is raised we will go on living at exactly the same rate as before and spend all the new margin on luxuries; I do love luxuries!"

"They certainly are pleasant, but if you want a mind at ease, keep your attention firmly fixed on your account in the savings bank. That in the long run gives greater satisfaction than candy or violets, though I don't dispute that they have their place, too. But cheer up! Housekeeping always gets simpler the farther you get along, and the day will come when you won't know that you are economizing, it will be so easy and natural and pleasant."

Dolly sighed heavily as she added Incidentals on to her other items and made her column under Income come out neatly, $1,800 received, and $1,800 spent.

"I hope you will hurry up and teach me everything as fast as possible," she said. "It does seem rather impossible to me, after all, and I started off this morning so sure that I could do it offhand! I feel exactly as though I had a lesson to learn made up of a mixture of Sanscrit and German philosophy and trigonometry, and all the rest of the most dreadful things you can think of."

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