But Mrs. Jones' eldest girl has a hard time too! for she acts as nurse and foster-mother to the younger children. It was well for her that Tom was born before her or she would have nursed him. Perhaps it was well for Tom also that he got the most nourishment. As it is the girl has her hands full, and her time is more than fully occupied. She goes to school regularly both Sunday and week-day. She passes all her standards, although she is not brilliant. She washes the younger children, she nurses the inevitable baby, she clears the "dinner things" away at midday, and the breakfast and tea-cups in their turn. She sits down to the machine sometimes and sews the clothing her mother has cut out and "basted." She is still a child, but a woman before her time, and Mrs. Jones and all the young Joneses will miss her when she goes "out." When that time comes, Mrs. Jones will not be so badly put to it as she was when Tom went "out." For she has been paying regularly into a draper's club, and with the proceeds a quantity of clothing material will be bought. So Sally's clothing will be made at home, and Sally and her mother will sit up late at night to make it. It is astonishing how "clubs" of all descriptions enter into the lives of the poor. There is, of course, the "goose club" for Christmas, for the poor make sure of one good meal during the year. Some of them are extravagant enough to join "holiday clubs," but this Mrs. Jones cannot afford, so her clubs are limited to her family's necessities, excepting the money club held at a neighbour's house into which she pays one shilling weekly. This club consists of twenty members, who "draw" for choice. Thus once in twenty weeks, sooner or later, Mrs. Jones is passing rich, for she is in possession of twenty shillings all at once. There is some discussion between Sally and her mother as to the spending of it; Tom's first suit was bought by this means, and Jones himself is not forgotten; but for Mrs. Jones no thought is given. The planning, scheming and contrivance it takes to run a working man's home, especially when the husband has irregular work, is almost past conception, and the amount of self-denial is extraordinary. But it is the wife who finds the brains and exercises the self-denial. Her methods may be laughed at by wiser people, for there is some wastage. The friendly club-keeper must have a profit, and the possession of wealth represented by a whole sovereign costs something. But when Mrs. Jones gets an early "draw," she exchanges her "draw" for a later one, and makes some little profit. Oh, the scheming and excitement of it all, for even Mrs. Jones cannot do without her little "deal." But what will Sally settle down to? Now comes the difficulty and deciding point in her life, and a critical time it is.