"The only thing we are doing without is the address," he said, "And that isn't a loss that looks like $360 to me."

All that fall and winter we kept doggedly at our game of substitution. Max bought a ready-made Tuxedo, and I ripped out the label and sewed in one from a good tailor. I carried half a dozen dresses from the dyer's to a woman who evolved three very decent gowns; and then I toted them home in a box with a marking calculated to impress any chance acquaintance. We were so ashamed of our attempts at thrift that they came hard.

Often enough we quarreled after we had been caught in some sudden temptation that set us back a pretty penny, and we were inevitably bored and cross when we refused some gayety for economy's sake. We resolutely decided to read aloud the evenings the others went to the theater club; and as resolutely we substituted a stiff game of chess for the bridge that we could not afford. But we had to learn to like them both.

Occasionally we entertained at very small, very informal dinners, "on account of the baby"; and definitely discarded the wines that added the "smartness" demanded at formal affairs. People came to those dinners in their second or third best: but they stayed late, and laughed hilariously to the last second of their stay.

In the spring we celebrated Max's second respectable rise in salary by dropping out of the country club. We could do without it by that time. At first we thought it necessary to substitute a determined tramp for the Sunday morning golf game; but we presently gave that up. We were becoming garden enthusiasts. And as a substitution for most of the pleasure cravings of life, gardening is to be highly recommended. Discontent has a curious little trick of flowing out of the earthy end of a hoe.

Later that summer I found that a maid was one of the things I could do without, making the discovery in an interregnum not of my original choosing. A charwoman came in for the heavier work, and I took over the cooking. Almost immediately, in spite of my inexperience, the bills dropped. I could not cook rich pastries and fancy desserts, and fell back on simple salads and fruit instead. I dipped into the household magazines, followed on into technical articles on efficiency, substituted labor-savers wherever I could, and started my first muddled set of accounts.

At the beginning of the new year I tried my prentice hand on a budget; and that was the year that we emerged from debt and began to save.

That was six very short years ago. When, with three babies, the bungalow became a trifle small, we built a little country house and moved farther out. Several people whom we liked best among that first "exclusive younger set" have moved out too, and formed the nucleus of a neighborhood group that has wonderful times on incomes no one of which touches $4000 a year.

Ours is not as much as that yet; but it is enough to leave a wide and comfortable margin all around our wants. Max has given up his pipe for cigarettes (unmonogramed), and patronizes a good tailor for business reasons. But in everything else our substitutions stand: gardening for golf; picnics for roadhouse dinners; simple food, simple clothing, simple hospitality, books, a fire, and a game of chess on winter nights.

We don't even talk about economies any more. We like them. But—every Christmas there comes to me via the Christmas tree a box of stockings, and for Max a box of socks—heavy silk. There never is any card in either box; but I think we'll probably get them till we die.