A Praiseworthy Independence—Independence of one kind is praiseworthy. To desire to bear your own weight and not to eat the bread of dependence is right. It is a noble, generous ambition that dictates the wish to be self-supporting. Industrious habits and frugality are necessary. (AH 374.1) MC VC

Balancing the Budget—Many, very many, have not so educated themselves that they can keep their expenditures within the limit of their income. They do not learn to adapt themselves to circumstances, and they borrow and borrow again and again and become overwhelmed in debt, and consequently they become discouraged and disheartened. (AH 374.2) MC VC

Keep a Record of Expenditures—Habits of self-indulgence or a want of tact and skill on the part of the wife and mother may be a constant drain upon the treasury; and yet that mother may think she is doing her best because she has never been taught to restrict her wants or the wants of her children and has never acquired skill and tact in household matters. Hence one family may require for its support twice the amount that would suffice for another family of the same size. (AH 374.3) MC VC

All should learn how to keep accounts. Some neglect this work as nonessential, but this is wrong. All expenses should be accurately stated. (AH 374.4) MC VC

The Evils of Spendthrift Habits—The Lord has been pleased to present before me the evils which result from spendthrift habits, that I might admonish parents to teach their children strict economy. Teach them that money spent for that which they do not need is perverted from its proper use. (AH 374.5) MC VC