"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."