POLLY'S JUDGMENT HALL 99 



" There are thirty-five items on the debit side of 

 the ledger and a few little ones on the credit 

 side. Hold your breath while I add them. 



I have spent 144,331 and have received $953, 

 which leaves a debit balance of $43,378." 



" That isn't so awfully bad, when you think 

 of all the fun you've had." 



" Fun comes high at this time of the year, 

 doesn't it, Polly?" 



" Much depends on what you call high. You 

 have waited and worked a long time for this. I 

 won't say a word if you spend all you have in 

 the world. It's yours." 



" Mine and yours and the children's ; but I 

 won't spend it all. Seventy or seventy-five 

 thousand dollars, besides your house and barn 

 money, shall be my limit. There is still an item 

 of interest to be added to this account. 



" Interest ! Why, John Williams, do you 

 mean to tell me that you borrowed this 

 money ? I thought it was your own to do as 

 you liked with. Have you got to pay interest 

 on it ? " 



" It was mine, but I loaned it to the farm. 

 Before I made this loan I was getting five per 

 cent on the money. I must now look to the 

 farm for my five per cent. If it cannot pay this 

 interest promptly, I shall add the deferred pay- 

 ment to the principal, and it shall bear interest. 

 This must be done each year until the net in- 

 come from the farm is greater than the interest 



