CHAPTER XXVII. 



CONSIDERA- 

 TIONS OP 

 CASH 



CAPITAL 

 AT HAND 



STARTING A WESTERN FARM HOME. 



A home is not builclecl in a day. It takes years and 

 decades for the fruition of hope and to establish heart 

 and soul associations between men and materials. 



Few men who attempt to build a home are 

 supplied with enough capital. Whether a man 

 without any capital will succeed depends en- 

 tirely on personal qualifications. One man with 

 nothing, under most trying circumstances, will 

 accumulate an independent fortune. Another 

 man with apparently sufficient money, will 

 starve out and move on. It is a question of tem- 

 perament and management. 



The average man has a limited bank account. 

 He must husband and use it in accordance with 

 natural principles of economy. We deplore 

 stinginess. Penuriousness runs into error and 

 often causes loss which defeats itself, while a 

 generous liberality of heart and soul, balanced 

 iy intelligent management, results in accumula- 

 tion and happiness. It may not be wise to sug- 

 gest that a man should not attempt to secure a 

 home unless he has sufficient cash. If he has a 

 family he certainly should have enough means 

 either in money or credit to make his first pay- 

 ments, secure his necessary equipment and pro- 

 vide living two or three years before he can be 



