In this connection it is interesting to note that the "Thrift Leaflets" prepared by the United States Department of Agriculture and the Department of the Treasury for the war saving stamps thrift campaign, urged care in the use of articles and dealt with prevention of waste rather than with saving. Obviously, if goods were more carefully used, more could be saved and invested in the securities thus being indirectly urged. It is conceivable, however, that wise use may mean the purchase of better food, the selection of more satisfactory clothing, and the enjoyment of better housing, rather than investment in government or any other securities. The thrift campaigns of the United States Treasury proposed standards of saving only for those receiving an income of $1,200 or more, with the exception of unmarried persons earning as much as $780. ACCOUNT KEEPING The basis of sound saving or spending is the account book, carefully kept over an interval of time, allowing comparison between the outlay and enjoyment as experienced at different periods. Such account books are being urged by the extension departments of the state agricultural colleges in co-operation with the Departments of Agriculture. Most account books that have been so far devised are, however, quite difficult and uninteresting, even for the American housewife, demanding classifications of items which require too much time and consideration. An account book on a weekly basis, providing very simple divisions of the expenditures of the household, and giving space also for the personal expenses of the various members of the family, has been published by the Committee on Household Budgets of the American Home Economics Association.[31] These books could be easily issued in different languages and be made available for the foreign-born housewife. She, like all housewives, would be benefited by seeing what she is spending her money for. It would lead to a definite planning of her expenditures. By this means it could be suggested that things may have changed in value for her in the new country. Old wants are replaced by new ones, and a new system of saving and spending might be worked out. FOOTNOTES: [21] Haskins, _How Other People Get Ahead_, Savings Division, United States Treasury Department, p. 4. [22] _Report of the Health Insurance Commission of Illinois_, p. 223. [23] _Report of the Health Insurance Commission of the State of Illinois_, pp. 443-483. [24] _Ibid._, pp. 523-532. [25] _Ibid._, pp. 483-497. [26] Chicago Housing Conditions, _American Journal of Sociology_, vol. xvi, p. 433; vol. xvii, pp. 1, 145; vol. xviii, p. 509; vol. xx, pp. 145, 289; vol. xxi, p. 185. [27] Chicago Housing Conditions, ix, "The Lithuanians in the Fourth Ward," _American Journal of Sociology_, vol. xx, p. 296. [28] _Ninth Annual Report of the United States Commissioner of Labor on Building and Loan Associations_, p. 56. [29] _Ibid._, pp. 12-13.