iZ THE VANCOUVER BRIDE CLOTHING All wearing apparel, or materials for same—Shoes, Linen, Underwear, etc. Tailoring, Cleaning, Pressing, Dressmaking, Sewing, etc. OPERATING Under this head are grouped several divisions of expenditure, all more or less (except Rent, Taxes, etc.) requiring judgment if financial advance and progress are to be made. We have divided operating into four groups which represent convenient subdivisions for comparison. The columns are ar- ranged, however, so that the user may make further divisions if desired. Un- der this head, “operating,” when monthly totals are made, will be found many opportunities to discriminate between necessities and extravagance— and to stop unsuspected leaks so that funds will be available for other enjoy- ment. A Royal Bank Memo Book provides a convenient way of recording daily expenditures. Routine—Furniture and Household Necessities and Replacements, Serv- ants, Repairs, Laundry, Carfare, Taxis, Allowance (Pocket Money), Automo- bile and upkeep of same. Rent, Taxes, etc.—Include—Rent, Income Tax, Business, Real Estate, Water and other taxes [allotments for Heat (coal, wood or gas), Light, Tele- phone, etc.]. These items represent figures which occur regularly and call for immediate payment. They are grouped together for ready reference, and are easily met if budgetted so that amounts are laid aside in advance (propor- tionate to salary received). Medical, Doctors, Drugs, etc.—This division is self evident—to include all expenses for these items. Sundries—Include in this all items that may not be provided for. ADVANCEMENT Here again are presented under this heading many opportunities for care- ful checking of expenditures which will repay such effort. Frequent expend- itures, little thought of at the time of purchase, will be found by monthly re- view to be totalling quite a considerable sum. Careful consideration as to whether an expenditure is really advancement or entertainment will be found to present frequent instances where amounts will be available—particularly in items of entertaining—for some more advantageous use. Advancement—Include in this group, Education, Lectures, Travel, Vaca- tions, Books, Magazines, Clubs. Entertaining—Social Entertainsments, Amusements, Theatre, Sports, Candy, Liquors, Cigars, and Tobacco. Church, Charity, Gifts, Loans, etc.—To include regular and casual dona- tions, Christmas and Birthday expenditures, etc. You will find it is the fixed and regular expense—and the small, thought- less purchase—which make up the greatest portion of your outlay. Check carefully the former and steadfastly curb the latter, for they keep on repeat- ing month by month. For instance, a saving of $10.00 a month in rent can mean additional financial progress of $120.00 per year.