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When We Considered theIncome Problem
Showing how a Married Woman Made Her Husband's IncomeBuy Just What She Wanted
The Girls Own Annual, 1919
HAVE you ever sat down and thought out what proportion of your income you're spending on clothes and food and shelter for your body, and what's leftover for yourself?Some time ago my husband and I woke up to the fact that nearly everything we consciously desired seemed unattainable or an "extravagance." We wanted books—not only classics, but, the new books with the new ideas onall the problems of the day. Books that we could keep for reference, or pass onto people whom they'd help. We loved pictures; but the idea of buying a picture from an exhibition, eventhe slightest sketch, seemed as fantastic as buying an aeroplane. We were fond of music. I played; but I went on in a desultory way ; now andthen getting a piece I'd heard at a concert, but never dreaming of having acourse of lessons occasionally as inspiration. Lessons from a good teacherseemed to belong to people who meant to take up music professionally. Anyhow, the expense put such an idea right out of practical politics.Neither of us was utterly devoid of taste, and since we were married we'dgrown out of lots of our furniture. We never had liked the dinner-service, northree-parts of the ornaments we'd had as wedding-gifts. And if we'd examinedthe electro-plate from an artistic standpoint, of course, we should havethought most of it was ugly. I don't believe many people really like their wedding-gifts, only as you've been given the things you feel it would be such waste not to use them, and then you don'tstart one, all brand-new.It's only that illusionary sentiment that could make us use the tea-cloths andthe table-centres and the cushions which we'd have flown from in a shop ; butit's funny what hideous things you'll take and use and make part of your home,if they've been sent into it as presents !
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Still we'd gone on for years putting up with the marble dining-room clock thathad a hand off, and the Art Nouveau drawing-room one that had a pewter faceand had never kept time, and the hand-painted satin cushion, and other out-of-date fancy-work which represented the prevailing crazes of various years, While 1 bought the latest fashions, now and then, in table-furnishings, we nomore thought of buying new clocks or new cushions than of—well, of goingup the Mediterranean.That was something that had never occurred to us as being possible, though we both grew hungry sometimes for the sun and the sea and fresh places. Butthe fares!Often and often we'd say, "If we could only do this or that," and if we didn'tenvy people who could, it was because it never occurred to us to dream of living any differently. Our limitations seemed as much a part of us as thecolour of our hair or the shape of our noses. Of course we said, "Perhaps someday," but castles in the air aren't satisfactory to visit.Now come’s the revelation.Jim brought home a magazine which had an article about the spending powerin money, and a sentence simply hit us in the eye. The writer said that someday people might plan out their money before they spent it, and control theirincomes instead of their incomes controlling them, by arranging theirexpenditure in right proportion.For instance, they'd put a certain percentage away for rent, and another forclothes (big or small, according to their sartorial inclinations), and another for books, and another for travel.The idea was thrown out as a casual, rather visionary, suggestion, but itseemed to strike home to us, like a big light." But we don't know what our exact income is," said I. "Yours fluctuates so: Ican see the point of a definite salary being planned this way." Oh, dear, it didseem lovely too. Every woman loves system, in her heart of hearts, becauseshe loves feeling comfortable and safe."But that doesn't matter if we set aside- a definite percentage of the income asitcomes in," said Jim, very thoughtfully; and I could see he saw possibilities,too. "The idea is to think out seriously what we really want to spend ourmoney on, instead of letting it slip through our fingers almost blindly.""I don't see where we can save," said I. "We scarcely ever spend a penny on what isn't necessary."Now I had tried to save, sometimes. I hated bills, and there were always bills
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on hand. But when I'd been scrimping to bring down the housekeeping, orgoing without flowers, Jim would have a stroke of good fortune, and comehome with tickets for a concert and a lovely little restaurant dinner-party allinvited, or else he'd settled to go off for an expensive weekend ; and gradually I'd got to feel it wasn't worth while to bother to save ha'pence, when the nextmoment half-sovereigns might be flung to the winds by the Providing hand. You see, Jim was sole w a g e - e a r n e r, and though, of course, I had a gooddeal of tin; spending in my charge, we neither of us had definite responsibility Jim didn't realise the cost of food and servants and the linen-chest, and whenhe had money in his pocket he felt rich, and I couldn't bother him for money  when he hadn't got it, nor tell him he mustn't spend it when he had. But Jim was going on thinking.The fact is we'd both been feeling for some time that we were living in a race which made us perpetually out of breath trying to keep up with other people. We lived in an expensive flat, and it seemed necessary we should dress in thelatest styles, and we went in for the usual elaborate meals which werecustomary in our set. A lot of cooking took place every day, and we had to havetwo servants and outside help. Once or twice I had thought it seemed funny tosupport a human being to do nothing but prepare and serve the food for justus two, and our friends, of course.But I'd never seen how I could do with less. Now, as Jim sat thinking, I lookedround the good-sized drawing-room, and suddenly it looked like a rubbishheap. When had the idea come to cram a room with pictures and silver andchina and glass and stuffs; and then to cover up the ugliness with flowers andpot-plants and draperies; and then to pay a servant to attend to all of it andkeep it clean?" If we hadn't all these things we shouldn't need a parlour-maid,"I breathed."I don't see why we have to live in this particular spot," said Jim, waking uptoo. "It's not proportionate.""You know we couldn't see any place we liked, at a less rent than this," said I,remembering those dreadful days of house-hunting. But we have to put up with hundreds of things wedon't like," said Jim, looking at the imitation bronzestatuettes which made no pretensions to intrinsic beauty.Why should we saddle ourselves with a shell of a home when we can't afford to live in it? Now, if we put asidea fixed sum for our rent in proportion to my income….
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