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. 
«JT have spent $44,331 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 
haye 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 
