The income from some kinds of work is of necessity uncertain. This makes the housekeeping plan especially difficult. Probably the wisest way to meet this is to pretend that one's income is an amount somewhat under one's brightest hopes, and to live on that amount. In case of a disappointment, there is not then so large a deficit to struggle with; or, if the hopes come true, the surplus can very easily be put into a needed garment or a needed pleasure, or perhaps into the savings bank. Some people manage uncertain incomes by the month instead of the year. The trouble with this is that there is likely to be "always a feast or a famine," and that is demoralizing. As far as possible, a family should have an established style of living, to be changed only gradually, as an assured income increases. This thing called the style of living is the insidious, untiring rival of that hard, cold fact, the amount of income. The two are forever quarrelling. Logically, the amount of income should settle the style of living, but often people spend weary lives trying to stretch the hard fact to fit its ever-increasing rival. This conflict is the source of most household troubles, and quarrels, and sorrows. What is the matter? Why is one less ashamed to wear one's heart on one's sleeve than a patch? Why would you rather owe the grocer, than say to your friend, "I can't afford it?" Why, when I say I am not ashamed to be poor, does the blood rise in my cheeks to belie my words? Poverty is not a badge of failure and laziness. It is often a decoration for high principle, or for noble self-sacrifice,--it is the lady-love of saints. Very soon and very often in housekeeping, whatever may be the income, the conflict will arise between needs and wants and the financial ability to supply them. For this struggle we must gather our common sense and courage. They will help us to choose the things which really matter, and to laugh at ourselves for pretending to have what we have not. * * * * * Some husbands and wives make the financial plans of the family together. In other cases, the husband decides what amount of the income should be spent on the table, and the wife plans only the expenditure of that. The households in which the wife buys and the husband pays without consultation or agreement, exist, but let us hope they are few. Then, there is the household in which the woman is financier, and the man lives on an allowance. And, of course, there are a great number of households which are not complete families, but are groups of people, related or unrelated, who make their homes together, and in which the division of income is made by one person, or by the group, as they wish or are compelled by circumstances. Plans for a whole income are considered here because they include the problems and details of less elaborate plans.