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Birlhday cake candles are lighted by three club members whose mothers in the background were club members twenty-five years ago. Left to right: Kaye Sharpe, Patsy Walker and Marilyn Mugee. .l tremendous significanceâ€"even the economists ll'e beginning to say there is money to be made «n the family farm. But the main thing in living .:n a farm is not to make money but to make .i good life." The Padre's final word to the girls was to iIl'Cp‘dl'E themselves well for the career of homeâ€" wiuking and “to be womenâ€"not a cheap imita- on of a man.” Money Management "Managing Your MoneyiUse Some, Save name, Give Some“ was the subject of a panel i‘iscussion at the conference. Miss Carmel Coady. ‘ounty Home Economist for Brant and Went- ".‘urth acted as moderator and the panel members acre Mrs. George Atkins, a club leader, married trineteen years. and mother of four daughters: 'lrs. Clayton Oliver, a bride of a year: Miss Mar- -.tret Snedden. one of this year‘s graduates of .lacdonald Institute; and Marion Kozlouski. a dub girl of Brant county. Some of the points brought out in the discus \ion were: When a girl takes her first job her :tlary seems like a lot of money bttt she usually Finds that herrexpenses are higher than she ex- [NECth and that her finances must be managed Carefully. In setting up a home it is better not to my to get everything to begin with. It may be wiser to leave part of the house unfurnished for a while and to buy a quality of furniture that rou will like for a long time. Another suggestion was to make do with a second hand stove or refrigerator until you can afford the kind you want. Beware of charge accountsâ€"they are likely l0 €61 you into big debts. The club girl on the Panel said that if she puts off buying a dress until she has the money to pay for it, by that lime she may not want the dress so much 50 She Puts the money in the bank. On the question of pressures that work to make us spend money, some types of advertis- mB came in for criticismâ€"especially the advertis- FALL 1960 ing aimed directly at youth; because of this a girl has to try to avoid “impulse buying.” We also have to develop resistance to salesmen suCh as door-to-door salesmen and the pressure type salcswomen in dress shops. Taking your mother or someone else shopping with you is a good defense here. There is also the pressure of Chang ing fashionâ€"the pointed-med. spindle heeled shoes that made some women feel they could not be seen wearing rounded toes and larger heels, the chemise dress and the sack dress of a year ago. One of the difficult pressures for many high school girls to stand up against is the feeling that other girls expect them to have a lot of changes of clothes. Beware of the glamorized package and before you are enticed by “a bargain sale“ examine it carefully to see whether it is a bargain. Ask yourself “Do I need it? Is it good quality? Can I get along without it?” The panel discussed budgeting, and agreed that some sort of advance planning of the use of money was important. It was felt that it is im- portant for a couple to try to draw up a budget before they are married; but that because a farm income is uncertainâ€"a cow may die or a piece of machinery may breakâ€"it is hard to keep to a budget on a farm. What can be done by either farmers or salaried people is to keep books so that they know where the money goes and where to watch for waste, The panel emphasized the point that» planning to give something from what one has 15- an im- portant part of money management. Gtvmgto one’s church had first place; after that consulting with the family and deciding about gifts to other causes or charities; and if possible setting aside a little fund to be ready for emergencies such as a gift to a sick friend. Various types of saving were recommended, such as buying a bond throngh salary deductions, endowment insurance policies. It was emphastged that paying for a home or a farm. or buying stock for a farm is a sound form of savmg.