windfall! Rosie hugged herself in delighted amazement. She even bragged a little to her friend Janet McFadden.

"Why, Janet, once you know how to do it, making money's just as easy as falling off a log! Look at me: My papers don't take me more'n half an hour in the afternoon and carrying Jarge's supper-pail up to the cars is just fun. And every Saturday night twenty-five cents, if you please!"

Janet said "Oh!" with a rising inflection and "Oh!" with a falling inflection: "Oh! Oh!"

"And besides that, if I hadn't my paper route I'd have to take care of Geraldine all afternoon. Don't you see?"

"You would indeed, Rosie, I know you would."

Rosie looked at her friend thoughtfully. "Say, Janet, why don't you get a job? Of course, I'll lend you my skates, but if we both had a pair we could go to Boulevard Place together. Wouldn't that be fun?"

Janet cleared her throat apologetically. "Do you think Terry would give me a job, Rosie?"

Hardly. Though he did employ Rosie, Terence was scarcely in position to employ every needy female that might apply to him. Rosie spoke kindly but firmly:

"No, Janet, I don't believe Terry can take on any more girls. When I get my skates, though, I tell you what I'll do: I'll let you 'sub' for me sometimes. Yes. On the afternoons I go to skate on Boulevard Place, I'll let you deliver my papers. I'll pay you three cents a day. Three cents ain't much but, if you save 'em real hard, they count up—really they do. If you 'sub' for me eight different times then you'll have twenty-four cents. I told you, didn't I, that twenty-five cents is what's coming in to me now every week regular?"

Yes, Rosie had already specified the amount many times but Janet, being a devoted friend, exclaimed with unabated enthusiasm: "You don't say so, Rosie! Well, I think that's just grand!"

Janet was right. It is fine to have an income that permits one to enjoy the good things of life. Without a touch of envy Rosie could now view the rich Jews and Protestants as they skimmed the smooth surface of Boulevard Place. She, too, would soon be rolling along as well skated as the best of them. The time was not far distant when, hearing the soft whirr of the ball-bearings, they would look at her with a new respect and no longer call out "Mucker!" the moment her back was turned.

This was the happy side of saving. There was, however, another side, and to ignore it would be to ignore the effect upon character which any effort as conscious as saving must produce. In simple innocence Rosie had started out supposing that all that was necessary toward saving was to have something savable. She soon discovered her mistake. The prime essential in saving was not, after all, the possession of a tidy little sum coming in at regular intervals, so much as the ability to keep that sum intact. That is to say, for the sake of this one Big Thing, that looms up faint but powerfully attractive on the distant horizon, you must do without all the Little Things that make daily life so pleasant.

Alas, once you begin saving, you may no longer heedlessly sip the joys of the moment taking no thought for the morrow. Saving involves thought for the morrow first of all! In the old days when she hadn't a penny, Rosie had somehow managed to enjoy an occasional ice-cream cone, or a moving picture show, or a cent's worth of good candy. Now, on the other hand, with money in the bank, these and all like indulgences were forbidden. She was saving!

If for a moment she tried to forget the wearisome task to which she had publicly dedicated herself, some one was always at hand to remind her of it and to rescue her, as it were, from her weaker self. For instance, if she even hinted of thirst in the neighbourhood of a root-beer stand, Janet McFadden would turn pale with fright and hurriedly drag her off, imploring her to remember that, once she had her skates, she could have all the root-beer she wanted. Yes, of course, but Rosie sometimes felt that she wanted it when she wanted it and not at some far-off time when she would, no doubt, be too old and decrepit to enjoy it.

The experience began to give Rosie a clue to one of those mysteries of conduct which had long puzzled her. She had never stood in front of the glowing posters of a picture show, saying to herself or to any one that chanced to be with her: "I tell you what: If I had a nickel, I bet I know what I'd do with it!" nor paused before a bakery shop or a candy store, that she hadn't seen other people—men, women, and children—with eyes as full of desire as her own. What used to amaze her was that many of these people, she was absolutely sure, had money in their pockets. Heretofore, in her ignorance of life, she had supposed that, to possess yourself of anything you wanted, was a simple enough matter provided you had money in your pocket—or in your bank, which is the same thing. What a mistake she had made! How she had misjudged those poor creatures who, in spite of their jingling pockets, so often turned regretful backs upon the pleasures of life. Rosie understood now. Money in their pockets had nothing to do with it for—they were saving.

Unknown even to themselves they were all members of a mystic brotherhood, actuated by the same impulse, undergoing the same sacrifices for some ultimate benefit. Look where she would, she saw them plainly: Miss Hattie Graydon, Ellen's fashionable friend, saving for an outing in Jersey; Janet McFadden's poor mother always saving for a new wash-boiler; George Riley saving to give himself a good start on his father's farm; and now, the newest recruit to their ranks, Rosie herself, saving for ball-bearing roller skates.

"I'd just love to go with you! If there's anything I do enjoy, it's a matinée. But I can't. I got to have a new hat this spring."

"I'd like to lend it to you, Charley, the worst ever, but I don't see how I can. I got to save every cent this year for payments on the house."

"Waffles nuthin'! I ain't goin' a-spend a cent till I got enough money for a new baseball mitt!"

They were the things Rosie had been hearing all her life but never until now had she grasped what they meant. Think of it, oh, think of it—the heroic self-denial that masks itself in commonplaces like these! Rosie wondered if the others, too, had their moments of weakness. Weren't there perhaps times when George Riley sighed over the shabbiness of his clothes, realizing that, if only he were a little sportier, Ellen might not scorn him so utterly?

Theoretically practice makes easy, but Rosie found that the practice of self-denial, instead of growing easier, became harder as time went by. The week she had a dollar ninety-five in her bank, a Dog and Pony Show pitched its tent in a field which Rosie had to pass every afternoon on her paper route. She thought the sight of that tent would kill her before the week was over. The only things talked about at school were Skippo, the monkey that jumped the rope, Fifi, the dancing poodle, and Don, the pony, who shook hands with people in the front row. Afternoon admission was ten cents but, nevertheless, there were people who attended daily.

Even Janet McFadden, valiant soul that she was, grew pale and wan under the strain. "Of course, though, Rosie," she said, "you wouldn't have time to go even if some one was to give you a ticket."

This was Friday, so Rosie was able to answer: "I could go tomorrow afternoon, Janet. You know the Saturday matinée begins at two instead of half-past three. That'd get it over by four. I could ask you or somebody to get my papers for me and meet me at the tent at four o'clock. Then I'd be only a few minutes late."

Janet made hopeless assent. "Yes, I