When is food a necessity and when an amusement?

When is amusement education and when a frivolity?

When is fuel an item in rent and when current housekeeping
expense?

When are club dues education and when amusement?

When is vacation health and when amusement?

When is the theater amusement and when indulgence?

When is rent a necessity and when an extravagance?

[Footnote: From "Suggestion for Home Demonstration Agents
regarding Methods of Teaching Thrift," States Relations Service
Circular, Dec. 27, 1918.]

THRIFT IN SAVING

(3) The object of thrift in spending is both to get the greatest
value for our money now and to insure savings that will provide
for the future. Every budget should make as definite provision for
savings as for rent or clothing. The purpose of a budget and of
accounts is to assure a surplus rather than a deficit. Successful
men and women make it a practice always to spend less than they
earn, no matter how little they earn, and they cannot be sure of
this without planning ahead and keeping accounts. Saving in this