Of course extremes of thrift and inefficiency are met. In one home, where the man earns but $1.65 a day and there are six to feed, they had not only managed to buy an organ and give one of the girls lessons, but had saved enough to tide them through the hard winter of 1908. But the wife, the daughter of a Pennsylvania farmer, had learned the thrifty ways of such a household. For this is skill amounting to genius and cannot be expected of all. I remember, in contrast, a kitchen where all is wretched, the children unwashed, the woman untidy, the room unswept. In such a scene, it is not surprising to have the woman complain that the man always goes to Pittsburgh with a crowd to spend the evening. Though he earns nearly twice what the other man does, his wife, who had been trained as a servant in a wealthy home and had learned extravagant ways, realized in a helpless sort of way her inability to "get caught up" financially, or to display any efficiency in managing her home and training her children. Between these two types is that of the average family, where the effort to make life wholesome meets with mingled successes and failures.
GLEN ALLEY, HOMESTEAD.
The recognition among the people of the value of home life, finds perhaps no more striking proof than the zeal shown by many of them in purchasing their houses. According to the census figures of 1900, 567 families owned homes in the borough, 27.3 per cent of the entire number of houses, and 268 of these were free from encumbrance. Such business organizations as the Homestead Realty Company have met the needs of those wishing to buy on a slender income by a system of selling on the instalment plan, which in large measure takes the place of building and loan associations. The initial payment is small, sometimes as low as $150 for a house of four rooms, the real estate company assumes the obligations for insurance, taxes, and interest on the mortgage, and the buyer pays a monthly instalment large enough to cover all this and make a small reduction on the principal. For example, one family I know bought a four-room house worth about $1,750. Of this, they paid down $150, and thereafter a monthly instalment of sixteen dollars, which was little more than they would have had to pay for rent. Though it has taken fifteen years to buy the house, they now have a home of their own; and without unreasonable sacrifice.
No phase of this attitude towards saving was to me more interesting than the reasons given for and against buying. Two sisters were typical of these different opinions. One with six children, whose husband made something over three dollars a day, said: "I didn't try to buy, because I wanted to give my children everything that was coming to them, and I wouldn't stint them." So, as far as she could, she had given them what the other children in school had, and truly three dollars goes but a little way in a town where the rent is four dollars a room and food-stuffs are said to be the highest in the country. The other, wiser perhaps, had begun early to buy her home. Though she has been married only five years, to a man whose income is about the same as the brother-in-law, and there are two little ones to care for, they have already made the initial payment on their home. It is a neat five-room house on one of the good streets, with running water in the kitchen and a bath-room, and is worth about $3,000. Of this they paid $300 down, and their monthly instalment is twenty-five dollars. Since their family is small, by subletting two rooms for eight dollars a month, they reduce the monthly expenditure to about an ordinary rent. While it will take some years to pay off the indebtedness, by the time that the children are large enough to need the other rooms, they plan to be well on their way toward accomplishing this.
With many, however, the initial purchase is only the beginning of their home making, and, as soon as the house is paid for, the family take the most genuine pleasure in its improvement. Sometimes it is the addition of a bath-room; sometimes it is the repapering which the busy mother finds time to do in the spring; sometimes the building of a wash-house in the yard. But wherever such improvements are made it means always the development of the sense of family life and its common interests.
In home buying there lurks, of course, an undeniable danger to the workman: the danger of putting all his savings into a house, when death, discharge, or a season of hard times may mean the necessity of a forced sale with its inevitable loss. That the owning of a home tends to lessen the mobility of labor is a factor to be considered in upholding it as a desirable form of thrift. In Homestead, however, this danger has been minimized by what has otherwise been a disadvantage to the town, the lack of a sufficient number of houses.[12] Buildings have not been erected fast enough to keep pace with the town's growth, and consequently rents have risen and desirable houses are hard to secure. This situation, while it stimulates people to buy their own homes, also makes it possible to sell at almost any time.
[12] During the depression of 1907-8 there was an abundance of houses, as families were doubling up to save rent, but this was only a temporary situation.
There are many, however, to whom these real homes are not possible. There rises to my mind, in contrast, a two-room tenement down in the grimy corner where the mill joins the town. Here a woman was trying to support four little children by sewing and washing. Her husband had died after eight years of semi-invalidism resulting from an accident in the mill. With his small wages they had not been able to save, and as the injury had occurred so long ago, she was not eligible for a benefit from the Carnegie Relief Fund. The kitchen was small and hot and the younger children noisy, and the not unnatural consequence was that the oldest girl drifted to the streets, mixed with a gay crowd, and eventually became a charge of the Juvenile Court. The girl was not bad at heart, and had there been a cheerful home where her friends could come, the end might have been different.