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The Cost of Shelter by Ellen H. Richards
page 88 of 105 (83%)
There will be nothing for it but to mortgage the place to make it
satisfactory. One cannot take up a newspaper without finding notice after
notice, reading, "Must be sold to pay the mortgage."

Exorbitant rent is of course social waste, and society must protect its
ablest young people from their own folly; but when they understand the
rules of the financial game better they will lend themselves more readily
to some cooperative plan of relief.

It is, as I well know, rank heresy, but I firmly believe that building and
owning of houses can be afforded only by those having the higher limit of
income, $3000 to $5000 a year, _unless_ the person has a permanent
position or a business of great security, and in these days who can be
_sure_ of anything?

When the land-scheme promoter advertises homes on the instalment plan,
beware of the trap!

Let no one buy in the suburbs from a sense of duty and then hate the life.

Comfort in living is far more in the brains than in the back.

It is so easy for a man or woman with one set of ideals to do that which
another would consider impossible drudgery.

My final advice is that the sensible young couple both of whom agree about
essentials, and who are willing and glad to work together for a common
end, and who love nature and gardening and believe in family life so
strongly as not to miss the crowd and theatres, may safely start a home in
the country with a garden, and pets for the children, if they have a
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