If the young woman in the farmstead would be more systematic in the use of what money she can command, perhaps she would the sooner be trusted with greater financial responsibility. It certainly is a motive in many parental minds that the children--they still seem to be children in the thoughts of some parents even when they have reached years of discretion--are not wise enough to use money discretely. Often they are not, but whose fault is it? If children were trained in the use of money from childhood up, they would not be so foolish when the time comes for putting this discipline into practise. Parents should remember that they are sure to wish some time to have a wise, careful son to lean upon. Then they will wish they had trained the child properly. The same is true of the daughter. There is nothing more certain than that the daughters in the wide countryside are being brought up in the main with very little inkling of business. Now any girl that has gone as far in her education as to spell and to compute fractions is quite far enough to be taught the meaning of a deed. And not long after that she should know the force of the little word "warranty" or "full covenant" or "quitclaim" written before the word "deed." She should understand something of the meaning of the fell term "mortgage"--something besides the fact that when it is mentioned everybody is expected to weep. If young women grew up with a more common-sense attitude toward this vital subject, the word would be robbed of some, at least, of its terrors. In just a few years those young women will be the distributors of the income for a whole family; they are to be the conservators of the saving for the fatal day of interest-paying. If they understood more of the practical working of the matter, the saving would be approached with less dismay. Does it not seem reasonable to suppose that if a girl is made to see the relation of "overhead charges" to the "cost of living," if she has been taken into family confidence with regard to the business of the farm, and has been made to understand the difference between the basis for a girl's wages in town and that in the farm home, she will not run away under a fatal misunderstanding of conditions there? Moreover the girl of to-day is to be the home-conserver of to-morrow. Since the woman is the fore-ordained overseer of the whole business of spending, we may say that her failure to save and to plan and to adapt, has been the cause of all our trouble. It makes no difference to the women of the countryside that the women of the cities are more culpable in these things than are they; their affair is their own, and their duty is to attain not some one else's ideal, but their own.