"I want money, too," piped in Freddie. "Want to start a bank account just like papa's."

By dint of hard saving Bert and Nan had accumulated two dollars and ten cents between them, while Freddie and Flossie had each thirty-five cents. There was a wonderful lot of planning between the twins, and all put their money together, to buy papa and mamma and Dinah and Sam some Christmas presents. Freddie and Flossie had not yet purchased the cologne and handkerchief before mentioned, and now it was decided to get Mr. Bobbsey a new cravat, Mrs. Bobbsey a flower in a pot, Dinah a fancy apron, and Sam a pair of gloves. Nan and Bert made the purchases which, after being duly inspected by all, were hidden away in the garret storeroom.

As the time for Christmas came on Flossie and Freddie grew very anxious, wanting to know if Santa Claus would be sure to come. Flossie inspected the chimney several times.

"It's a dreadfully small place and very dirty," said she. "I am afraid Santa Claus won't be able to get down with a very big load. And some of his things will get all mussed up."

"Santa Claus can spirit himself wherever he wants to, dear," said Mrs. Bobbsey, with a quiet smile.

"What do you mean by spirit himself, mamma?"

"Never mind now, Flossie; you'll understand that when you grow older."

"Does mamma mean a ghost?" asked Flossie, later on, of Nan.

"No, Flossie; she means the part of a person that lives but can't be seen."

"Oh, I know," cried the child, brightening. "It's just like when a person is good. Then they say it's the spirit of goodness within him. I guess it's the good spirit of Santa Claus that can't be seen. But we can feel it, can't we? and that's what's best."