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III

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It is significant in this point to compare the annals of this growing girl with those of a saleswoman of thirty-five, Grace Carr, who had been at work for twelve years. In her first employment in a knitting mill she had remained for five years, and had been promoted rapidly to a weekly wage of $12. The hours, however, were very long, from ten to thirteen hours a day. The lint in the air she breathed so filled her lungs that she was unable, in her short daily leisure, to counteract its effect. At the end of five years, as she was coughing and raising particles of lint, she was obliged to rest for a year.

Not strong enough to undertake factory work again, she obtained a position in the shoe department in one of the large stores, where she was not "speeded up," and her daily working time of nine hours was less severe than that of the knitting mill. In summer she had a Saturday half-holiday. There was a system of fines for lateness; but on the rare occasions of her own tardiness it had not been enforced. The company was also generous in grafting five-o'clock passes, which permitted a girl to leave at five in the afternoon, with no deduction from her wage for the free hour. She had been with this establishment for six years, earning $6 a week; and she had given up hope of advancing.

Miss Carr said that her work in the shoe department was exhausting, because of the stooping, the frequent sitting down and rising, and the effort of pulling shoes on and off. In the summer preceding the fall when she told of her experience in the store, she had, in reaching for a box of shoes, strained her heart in some way, so that she lost consciousness immediately, and was ill for seven weeks. She failed to recuperate as rapidly as she should have done, because she was so completely devitalized by overwork.

The firm was very good to her at this time, sending a doctor daily until she was in condition to go to the country. It then paid her expenses for two weeks in a country home of the Young Women's Christian Association, and during the three remaining weeks of her stay paid her full wage. Miss Carr praised this company's general care of the employees. A doctor and nurse were available without charge if a girl were ill in the store. A social secretary was employed.

Miss Carr lived in a furnished room with two other women, each paying a dollar a week rent. She cared nothing for her fellow-lodgers; her only reason for spending her time with them in such close quarters was her need of living cheaply. She cooked her breakfast and supper in the crowded room, at an expense of $1.95 a week. She said that her "hearty" meal was a noon dinner, for which she paid in a restaurant 15 cents a day.

After her experience in the summer, she realized that she should assure herself of income in case of illness. She joined a benefit society, to which she paid 50 cents a month. This promised a weekly benefit of $4 a week for thirteen weeks, and $200 at death. She paid also 10 cents a week for insurance in another company.

The room was within walking distance of the store, so that she spent nothing for carfare. The services and social life of a church were her chief happiness. Besides her contributions to its support, she had spent only $1 a year on "good times." She did her own washing.

Her outlay in health in these years had been extreme. She was very worn, thin, and wrinkled with hard work, severe economies, and anxiety, although she was still in what should have been the prime of life.

Her weekly budget was: lodging, $1; board, $1.95; luncheons, $1.05; insurance, 21 cents; clothing, contributions to church, occasional carfare, and other expenses, $1.79; total, $6.

Miss Carr said that her firm was generous in many of its policies, but she felt it profoundly discouraging not to advance to a wage that would permit decent living.

In connection with Miss Carr's budget the benefit system of New York stores should be mentioned. In many of the large department stores, monthly dues, varying with the wage of the employee, are deducted from the pay of each, although in many cases she does not know what the return for the dues is to be. These dues assure to her, while she remains in the store's employ, a weekly benefit in case of illness, and a death benefit. But if she leaves the store, or is discharged, the management retains the amount she has been forced to pay to it, and gives no return whatever in case of her subsequent sickness or death. While she is in the store's employ, the sick benefit varies from one-half the girl's wage to a regular payment of $5 a week for from five to thirteen weeks, according to the particular rules in each store. The employee must be ill five days or a week in order to draw it. Otherwise she is docked for absence.

The Mutual Benefit Fund of the New York Association of Working Girls' Societies has in this respect a better policy than the stores. Members of the clubs pay 55 cents a month for a benefit of $5 for six weeks in any one year, and 20 cents a month for a benefit of $3. Cessation of membership in a club does not terminate connection with the benefit fund, unless the reason for leaving is unsatisfactory to the board. Women not members of clubs may, under certain conditions, join the benefit fund as associate members, and pay 50 cents a month for a benefit of $5 a week, 30 cents for a benefit of $3 a week, or 80 cents for a benefit of $8 a week. These amounts are severally payable for six weeks in any one year.

A number of the stores have trained nurses and doctors in their employ, to whom the girls may go if they are ill. Several of the stores have recreation rooms; several have summer homes; several have employees' restaurants, where a really nourishing meal can be obtained for 15 cents.

Miss Carr, struggling against overwhelming odds, lived within $6 without charitable aid. With her experience may be compared those of two other older saleswomen, who were wholly self-supporting.

Mrs. Green, a shrewd-appearing woman of thirty-five, had been wage-earning only two years. She began work in Philadelphia in a commission house as a saleswoman and corset fitter. Here she was able to save from her salary. She also saved very carefully the wardrobe she had before she entered business. With these reserves, she came to New York to work in department stores for the purpose of gaining experience in salesmanship and a more thorough knowledge of corsets. She expected to be able to command a high salary as soon as she had thus increased her competence. She went at first to a new and attractive Sixth Avenue store, where, working eight hours and a quarter a day, she earned $10 a week. Laid off at the end of five months, she was idle a month before finding employment at another Sixth Avenue store.

In applying here she told the employer that she would not work for less than $12 a week. He offered her $9, and a commission on all sales beyond $400 a week. She refused, and the firm finally gave her what she asked.

It proved that her choice was wise, for she found that in her very busiest week, when she was exhausted from the day's rush, her sales never reached $400 a week, so that she would have received no income at all from the proffered commission.

She had a small room alone in an attractive hotel for working girls. For this and breakfasts and dinners she paid $5.10 a week. Luncheons cost, in addition, about $1.50 a week. She paid 50 cents a week for washing, besides doing some herself. Riding to and from work nearly every day increased her weekly expense 50 cents. This left her $4.40 a week for clothing and sundries.

Mrs. Green seemed extravagantly dressed; she said, however, that she contrived to have effective waists and hats by making and trimming them herself, and by purchasing materials with care at sales. In dressing economically without sacrificing effect she was aided palpably by skill and deftness.

She was in good health; and, though she did not save, she had not spent, even in her idle month, any of the reserve fund she had accumulated before she began to work.

Another self-supporting saleswoman aided by her experience in domestic economy was Zetta Weyman, a young woman of twenty-eight, who had begun to work for wages at the age of eleven; at this time she still attended school, but did housework out of school hours. When she was older, she was employed as a maid in the house of a very kind and responsive couple, who gave her free access to their interesting library, where she read eagerly. A trip to Europe had been especially stimulating. Her employer was considerate, and tried to make it possible for her to benefit by the experience.

Throughout this period she had been observant of dress and manner among the cultured people she saw, and had applied what she learned to her own dress and conduct. At twenty-six, wishing for larger opportunities than those she could have in personal service, she obtained work in a department store at $7 a week. Here she soon advanced to $10 in a department requiring more than average intelligence. At the end of two years she was very much interested in her work. It made demands upon her judgment, and offered opportunity for increasing knowledge and heightening her value to the company. She expected soon to receive a larger wage, as she considered her work worth at least $15 a week. Aside from underpay, she thought she was fairly treated. She greatly appreciated two weeks' vacation with full wages.

Zetta gave $2.50 a week for a furnished hall bedroom and the use of a bath-room. The warmth from the single gas-jet was the sole heat. She made coffee in her room for breakfast; a light luncheon sufficed; and dinner in a restaurant cost 25 to 35 cents a day. She was often entertained at dinner, by friends.

She usually rode to work, and walked home, eight blocks, spending thus 30 cents a week carfare. All living expenses for the week came to about $6. She paid for six years $24 a year on an insurance policy which promised her $15 a week in case of illness, and was cumulative, making a return during the life of the holder; $290 would be due from it in about a year.

Zetta said that she was extravagant in her expense for clothing, but she considered that her social position depended upon her appearance. She was very attractive looking. Her manner had quiet and grace, and there was something touching, even moving, in the dignity of her pure, clear English, acquired in the teeth of a fortune that forced her to be a little scullion and cook at the age of eleven. She was dressed with taste and care at the time of the interview. Through watching sales and through information obtained from heads of departments, she contrived to buy clothing of excellent quality, silk stockings, and well-cut suits comparatively cheaply. By waiting until the end of the season, she had paid $35, the winter before, for a suit originally costing $70; $35 was more than she had intended to spend, but the suit was becoming and she could not resist the purchase. She managed to have pretty and well-designed hats for from $2 to $5, because a friend trimmed them.

She spent her vacation with relatives on a farm in the country. Railroad fares and the occasional purchase of a magazine were her only expenditures for pleasure. But she had many "good times" going to the beaches in the summer with friends who paid her way.

She considered that with careful planning a girl could live in fair comfort for $10 a week. But she saved nothing.

The drawback she mentioned in her own arrangements—the best she could obtain for her present wage—was not the cold of her hall bedroom, warmed only by the gas-jet, but that she had no suitable place for receiving men friends. She was obliged to turn to trolley rides and walks and various kinds of excursions—literally to the streets—for hospitality, when she received a man's visit. She spoke frequently of one man with whom she had many "good times." She could not take him to her room. Trolley rides, and walks in winter, would pall. She hated park benches as a resort for quiet conversation. Where, then, was she to see him? Although she disapproved of it, she and another girl who had a larger and more attractive room than her own had received men there.

Zetta's income for the year had been $520. She had spent $130 for rent; $105 for dinners; $55 for breakfasts, luncheons, and washing; $195 for clothing, summer railway fares, and incidentals; $15 for carfare; and $20 for insurance.


Making Both Ends Meet: The income and outlay of New York working girls

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