Was it the old habit of obedience to Mammy’s dictates, or the woman’s longing for someone to confide in during these trying days of loneliness, that impelled Mrs. Carruth to explain in as simple language as possible the difficulties encompassing her?
The burden of meeting even the ordinary every-day expenses upon the very limited income derived from Mr. Carruth’s life insurance, which left no margin whatsoever for emergencies. Of the imperative necessity of continuing the fire insurance he had always carried upon the home and its contents, lest a few hours wipe out what it had required years to gather together, and his wife and children be left homeless. How, under their altered circumstances this seemed more than ever imperative, since in the event of losing the house and its contents there would be no possible way of replacing either unless they kept the insurance upon them paid up.
Mammy listened intently, now and again nodding her old head and uttering a Um-uh! Um-uh! of comprehension.
When Mrs. Carruth ceased speaking she asked:
“An’ how much has yo’ gotter plank right out dis minit fer ter keep dis hyer as’sur’nce f’om collaps’in’, honey?”
“Nearly thirty dollars, Mammy, and that seems a very large sum to me now-a-days.”
“Hum-uh! Yas’m. So it do. Um. An’ yo’ aint got it?”
“I have not got it to-day, Mammy. I shall have it next week, but the time expires day after to-morrow and I do not know whether the company will be willing to wait, or whether I should forfeit my claim by the delay. I have written to ask.”
“Huh! Wha’ sort o’ compiny is it dat wouldn’t trus’ a Blairsdale, I like ter know?” demanded Mammy indignantly.
Mrs. Carruth smiled sadly as she answered: