[30] Kemmerer, _Postal Savings Banks_, pp. 100-104. [31] _Thrift by Household Accounting and Weekly Cash Record Forms_, published by the Committee on Household Budgets, American Home Economics Association, 1211 Cathedral Street, Baltimore, Maryland. V THE NEGLECTED ART OF SPENDING Saving is the problem of _over there_, and of the future. Spending is the problem of _here_ and _now_, and in the expenditure for present needs as well as in saving for future wants the foreign-born housewife meets with special difficulties. She is handicapped by the kinds of places at which she must buy, because of language, custom, and time limitations, as well as the grade of article available. Through the complicated maze of choices open to her she must steer her way to obtain for her family the highest returns for an all too small expenditure. The art of spending, too often neglected by her native-born sisters, takes on added difficulties for the untrained immigrant woman. From the point of view of the housewife the desirable thing is that the transaction of buying her household goods and food and of selecting her house, shall be as simple as possible. It should be made easy for her to know the quantity and to judge the quality of any article she considers, so that she may the more easily compare its possible use to her with the use of other articles that might be secured for the same amount of money. It is also important that she have as definite ideas as possible as to the range of the demand for different kinds of goods, so that she may buy as few as possible of the goods on which the price of special risk is placed. In many cases she needs really expert advice. In the absence of such help she may do her buying in either of two states of mind. She may think that all merchants are cheats, there "to do her and to do her first," or she may think that she has a right to expect from the dealer frank and kindly advice.