s. If
unlooked-for expenses must be incurred, there is the $500 to draw upon;
but do not court the extra outlay: save the nest-egg if possible.

The ideals of the home are said to rule the world. The young business man
who does not take the sane view of his own expenses will not rightly
consider his employer's interests. It is more than probable that the
much-deplored laxness, to call it by no harsher name, in business circles
is directly traceable to this falseness and dishonesty in standards of
home life. This moral effect is what makes the housing problem so serious.
It leads to an outward show not balanced by an ability to maintain an
inner life in harmony. It leads to an attempt to carry on a four-servant
house with two servants, or a three servant establishment with one.

Lack of study and experience leads the family living in the suburbs, in
one of the worst legacies of the past, to attempt the same style as
friends maintain in a lately built apartment house, without in the least
understanding wherein the difference lies.

From the Atlantic to the Pacific, from Maine to Texas, comes the same dull
and sullen roar of domestic unrest. Lack of faithful service is causing
the abandonment of the family home, and the fear of the obstacles in the
way of establishing new ones threatens the whole social fabric.

The housewife is inclined to connect this state of things almost entirely
with food preparation, and is prone to fancy that if eating could be
abolished peace would return.

The trouble goes much deeper, however, even to the foundations. The
nineteenth-century house is not suited to twentieth-century needs. In
other words, lack of adaptation to present conditions of the houses we
live in is a large factor in the prevailing domestic discontent. The next
largest has been referred to as attempting a style of living beyond one's
income.

In all other walks of life, in transportation, in manufacturing, machinery
has come in to replace the heavier and more mechanical portions of labor.
The steam-shovel, the hoisting-engine, an infinite combination of
mechanical principles have been applied to the doing of things to save
human muscle. To stand by the machine which turns out the familiar
grape-basket, ready to fill with the fruit, and then to watch the
housemaid bending over some piece of work, is to realize the difference.
In few, very few operations is it necessary to-day that men should bend
their backs, but in ho