Another lady, whose husband is a lawyer, divides the year into four quarters, and the income into four equal parts. She then makes her plans, so that the expenses of one quarter shall never infringe on the income of another. So resolute is she, in carrying out this determination, that if, by any mischance, she is in want of articles before the close of a quarter, which she has not the means for providing, she will subject herself to temporary inconvenience, by waiting, rather than violate her rule. Another lady, whose husband is engaged in a business, which he thinks makes it impossible for him to know what his yearly income will be, took this method:--She kept an account of all her disbursements, for one year. This she submitted to her husband, and obtained his consent, that the same sum should be under her control, the coming year, for similar purposes, with the understanding, that she might modify future apportionments, in any way her judgement and conscience might approve. A great deal of uneasiness and discomfort is caused, to both husband and wife, in many cases, by an entire want of system and forethought, in arranging expenses. Both keep buying what they think they need, without any calculation as to how matters are coming out, and with a sort of dread of running in debt, all the time harassing them. Such never know the comfort of independence. But, if a man or woman will only calculate what their income is, and then plan so as to know that they are all the time living within it, they secure one of the greatest comforts, which wealth ever bestows, and what many of the rich, who live in a loose and careless way, never enjoy. It is not so much the amount of income, as the regular and correct apportionment of expenses, that makes a family truly comfortable. A man, with ten thousand a year, is often more harassed, for want of money, than the systematic economist, who supports a family on only six hundred a year. And the inspired command, "Owe no man any thing," can never be conscientiously observed, without a systematic adaptation of expenses to means.