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THE COURIEE
Headquarters for . . .
COA
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. HUTCHINS & HYATT
"God helps them that help them
selves." Benjamin Franklin.
Today we are all flxinp the habit of
spending or savins. The spending
habit promises momentary pleasure
and assures future reprets. The sav
ing habit assures present comfort and
promises future prosperity. "With
steady practice one habit becomes as
easy and natural as the other. The
size of the income has little to do with
the saving habit. One who cannot save
something out of his present earnings
will not as a rule do any better when
his income Increases. The boy who be
gins an early training in saving his
pennies soon acquires a knack of earn
ing and laying by money which swells
to large amounts in later years.
The clerk who regularly saves a dol
lar a week will in a few years have a
fund sufficient to start him in business
of hi? own. If he saves nothing now
he will probably always be a "hired
man." and is certain to fall into hard
lines If he happens to lose his Job.
The merchant or professional man
who outside of his regular bank ac
count keeps a separate savings deposit
into which he drops the extra odds and
ends or special receipts will be sur
prised what a witlsfactory balance it
grows to be.
In too many families one is supposed
to earn all the money while the mam
concern of the rest seems to be to do
their share of spending it. It is a
slow process for one to fill up the bar
rel at the spigot while several are
drawing out at the bung-hole. Every
good wife would choose to be consid
ered a true helpmate to her husband
rather than the Irish version a "help
ate mate."
The solution of the problem of family
thrift is to start every member, old and
young, with a savings account of his
or her own. A thrifty housewife Is
entitled to a generous allowance at her
own disposal put weekly or monthly
Into a savings account to meet certain
family expenses. She would be glad
to try to keep the outgoes a little be
low the present mark, and see if she
could not put by a snug sum to help
herself or the children out of some
tight place In the future.
Some thrifty people have a way of
keeping all their earnings in their busi
ness, or in their wallets, or locked up
in some strong box. There are far
greater advantages In Joining with
one's neighbors in building public in
stitutions for savings.
Hoarding Is a selfish, niggardly In
stinct. It does not foster business con
fidence, public spirit or the domestic
virtues like a savings bank.
There is not the object lesson of ac
cumulating interest, or the stimulus
of friendly competition.
The average man finds it easier to
spend and easier to lose the surplus
funds carried about his person or kept
in easy reach. It is not quite so easy
to keep up the savings habit with
plenty of money on hand. There are
found in every community faint heart
ed people who live from hand to mouth
and discourage others from saving, on
the plea that they or a friend once
honestly started out to save and lost
quite a sum through official misman
agement or fraud. But is there a suc
cessful business man who has been
without equally tryins experience of
loss through another's fault? "When
the easiest thing In the world seemed
to be to fold the hands and fail? Only
they would not give up took a fresh
start and finally made a success of it.
A small boy was given two pennies,
one for candy and the other for mis
sions. He put them together in his
pocket. At night one of them was
gone. He had lost it. He cried out
at once: "Oh mother! I have lost
the missionary penny." "What a bit of
human nature it was that reminded
him in an instant which penny was
missing. There is a man in Lincoln
who ten years ago lost a hundred dol
lars of his savings. Ever since he has
squandered more than a hundred dol
lars a year on things he would be bet
ter without and he has not saved a
cent; but all he is conscious of having
lost Is that first hundred dollars.
AH of which proves the duty of tak
ing good care of money not your own,
and also the duty of taking care of
money your own for the future needs
of yourself and family. It Is the easiest
thing In the world to cheat yourself.
There was a boy in one of our city
schools who studied the motto on the
wall "Earn all you can: save all you
can; give all you can." He did not see
how he could do all these at once, so he
compromised by saving the nickel his
mother had given him for Sunday
school and putting in a penny which
he had earned himself. "When the
American Savings bank was opened
he was one of its first depositors and
he has stuck to it with the prospect of
soon having fifty dollare to his credit.
I do not know, but venture to think,
that a boy who is learning to earn and
to save can be depended on to put
something Into the Sunday school of
fering and when he gets older will be
a good citizen and have the money and
the Inclination to help in every good
cause. LEWIS GREGORY.
A PARLOR IN THE DR. BAILEY SANATORIUM
Thoroughly equipped and beautifully furnished every electric current useful in treat
ment of sick ideal Turkish, Russian, and Medicated Baths only non-contagious
chronic diseases received. This institution is not a hotel, not a hospital, but a home.
"A Budget of Letters
BY
RUTH
M.
WOOD
AS a new book just out. It contains an account of the
A Doctor's travels through this and European countries; is
interesting and instructive, and is something a friend
would prize very highly as a gift. It is a budget of letters to
a friend, just as the title suggests, and is fascinating on
account of this personal quality, as well as for the informa
tion it conveys. For sale at Lincoln stores.
J. W. MITCHELL.
WALL PAPER
ROOM AND PICTURE MOULDING
PAINTING AND SIGN WORK
133S O STREET-TELEPHONE .37
COAL AND ICE 1
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Cooper's Manufactured Ice and i
Cold Storage Co.
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Whitebreast
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Geo. W. Montgomery, President.
L. P. Fn.VKiiousER, Cahu r
$
Farmers & Merchants Bank ,
FIFTEENTH AND O STREETS,
LINCOLN, NEB.
Capital Paid in, $50,000 OO
g Accounts of Individuals, Firms. Corporations. Banks, and Bankers Solicited. Corn
Sj spondence invited. FOREIGN EXCHANGE and LETTERS OF CREDIT
on all the principal cities of Europe. Interest paid on
SS time deposits.
Lincoln
Transfer
Co.
If you Want First Class Service Call on L
( WJ
EDO WE. SELL WE CARRY
) Piano and Fur- all grades of a fine line of Car
niture Moving Coal nagea & Bugeu-
,)P
,s
( OFFICE, TENTH AND Q STS.
PHONE 176
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li s me jieuuy izxtTList K
That does the good to your muscles and builds up the
wasted tissue. It's the spasmodic exercise that does
more harm than good. One day a w eek in a gymna
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Ho m e Tra in ing O u tfits
Have it where you can use it twice a day, for a few
minutes, and you will be surprised at the steady gain
in health, and the improvement in your general phys
ical development See us for particulars, circular?, etc.
Xi
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1 Jo j fey
P. E. ALMOND,
saea
1106 O STREET, LINCOLN, NEB
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jaaspaMftjejrjwavjSjtji -
Sheridan Coal
IX-A.S IN" O EQUAL
lanay uiark, Agent , f
OFFICE, 1106 O STREET
VSVW?5i5!?tBit?5J5!:
TELEPHONE 105
3
Mrs.W. E. Gosper
NOW LOCATED AT 1410
O STREET, HAS A
BEAUTIFUL STOCK OF
MILLINERY
BEFORE BUYING YOUR
FALL HAT CALL AND
INSPECT THE GOODS AT
MRS. GOSPER'S
You will certainly be pleased
with the styles and prices.
HORSE COLLARS
ASKWUPPealertoSHOWT
BEFORE. YOU BUY.
MANUFACTURED BY
HARPHAM BROS.C0.
Lincoln, Neb.
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