It will be seen that there is a great deal for a girl to learn about the spending of money. She will readily understand that it is impossible for her to use her wages or income to the best advantage unless she knows what she is spending it for, and in what proportions. Every girl should make a division of income fitted to her own needs. It is not always possible to follow the percentages which Mrs. Richards recommends, but it is possible and wise for every girl to know what are regarded as proper divisions for a family income, and to plan her own expenditures with such percentages as a guide. Sometimes girls are called "fortunate" or "lucky" because their affairs seem to turn out well. In reality, these girls have planned carefully and have carried out their plans faithfully. A well managed life is not an accident, or a piece of luck; it is the result of careful planning, and persistent application. The girl who saves has a freedom of action unknown to the girl who has never had a bank account. We all find a compelling necessity to spend money for food, shelter, clothing, carfare and other incidentals. But when these wants are satisfied, the wise girl puts by a certain part of her income. Then she can begin to exercise a power of choice. She may take some training which will help her to get a better position, she may learn a new occupation, or she may study music or designing. Possibly she needs a rest and change; if she has money saved, she may rest for a few weeks. If she has spent all her money, she must continue at work. Then, too, she should guard herself by the possession of a bank account against sickness, and being out of work. Even a small sum saved every week enables a girl to feel strong and self-reliant. The habit of saving calls for self-control, far-sightedness and imagination. Girls invest their savings in various ways. A girl may help her people to buy a house, sometimes with a garden attached. This is a good investment in most circumstances. The girl should take an interest in the garden and help to grow vegetables and flowers. Possibly the garden lot may be large enough for poultry as well as vegetables. Or the girl's family may live outside the city, in which case a good part of the food for the household may be produced in the garden. It was one of the glories of Belgium before the war that many of her wage-earners lived in the country and grew a good part of their own food. They kept hens and pigs; and there was almost no unemployment or destitution in Belgium.