ents,
he might have been established in the profession for which he was
studying.

All young couples, fortunately, do not encounter such tragedies. If your
income is around $2000 a year, your financial position is relatively
more secure. You may find a suitable apartment in a large city for
between $50 and $60 a month--including heat and hot water. The rent in a
smaller community will be less, but remember that if you furnish your
own heat and hot water, you must add the cost of fuel. If, to save
money, you move beyond the public transportation system, you must
include the cost and upkeep of a car. But even considering the added
expense of an automobile (provided you take care of it partly yourself
and thus save some service charges) you may have better living
conditions and derive more enjoyment from life than if you lived closer
to town.

Your food budget now may be about $40 a month--enough for a liberal
diet. Your clothing allowance should be sufficient for average
needs--say, $15. Insurance and savings should be greater than those of
the couple in the $1200 group. At least 14 percent of your income now
should be set aside for these purposes.

If you plan to have children on an income of between $2000 and $3000 a
year, you still will be able to live comfortably, but you probably will
be happier if you move into a community made up of young people of your
own income group. This will enable the mothers to make various sorts of
cooperative arrangements for child care, which serve the threefold
purpose of giving the children desirable social experience, providing
the mother with more freedom, and keeping costs down. It also
contributes toward a congenial social life for the adults.

The proportions to be spent for the larger items hold true in general
for the family whose income is between $2000 and $3000 a year. Without
knowing your individual circumstances, however, no one can make a budget
for you in minute detail. The amounts you should allot to various items
are governed by many considerations.

For example, there are some types of employment that require more
expensive clothes than others, while some professions necessitate the
purchase of equipment. Again, the major proportions will change with the
needs of your dependents, whether these are children or older persons
who look to you for help. Moreover, a wife who confines her activities
to the home will do many money-saving chores and require fewer clothes