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CHAPTER III.
MEALS AND MONEY.

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I am going to devote this chapter entirely to the matter of money—that is to say, to indicating how the income should be apportioned, and what it costs to feed a small family who are content with nice plain food, and who do not hanker after elaborate cooking and out-of-the-way dishes; in which case they must not come to me for advice, as I have really no information to give them; and to further indicate as far as I can—outside the limits of a cookery book—some of the meals that can be managed without either much fuss and worry and an undue expenditure of money and time.

If Angelina really intends to marry on an income varying between 300l. and 500l. a year, she must sit down and weigh the pros and cons most carefully. Dress and house-rent are the two items that have risen considerably during the last few years; otherwise everything is much cheaper and nicer than it used to be before New Zealand meat came to the front, and sugar, tea, cheese, all the thousand and one items one requires in a house, became lower than ever they had been before; and therefore, if she be clever and willing to put her shoulder to the domestic wheel, she can most certainly get along much more comfortably in the way of food than she used to do. For example, when I was married, sugar was 6d. a pound, and now it is 2d.; and instead of paying 1s. 1d. a pound for legs of mutton, I give 7½d. for New Zealand meat, which is as good as the best English mutton that one can buy. Bread, too, is 5½d.—and ought to be considerably lower—as against the 8d. and 9d. of seventeen years ago; and, besides this, there are a thousand-and-one small things to be bought that one never used to see, and fish and game are also infinitely less expensive, for in the season salmon is no longer a luxury, thanks to Frank Buckland, while prime cod at 4d. a pound can hardly be looked upon as a sinful luxury, and this is the price we paid in the season in the Central Fish Market, where fish is always to be obtained fresh, cheap, and in as great a variety as at any West End shop; while of course those detestable Stores, much as I personally dislike them, have done much for us in lowering the prices of grocers, who are always willing to give ready-money purchasers every advantage, the while they are civil, send the purchased articles home, make out their own bills, and take care their customers are not worried to death, as they are at the Stores by supercilious youths, who make the place a rendezvous, and simper with girls who have been sent to do shopping, and combine it with large instalments of flirtation. No, I must say I have not one good word for the Stores; and, furthermore, I detest them because, living as I do a little way out of town, I am persecuted on my return journeys with enormous parcels, of all sorts and descriptions, that jam one’s elbows, fall down incontinently on one’s best bonnet, and are pushed under one’s feet, until the twenty minutes’ travel are rendered purgatorial by people who will shop at the Stores, and are in consequence turned completely for the nonce into beasts of burden, all to save a very problematic shilling or two; but as cabs to and from the station have to be added to the fare to town, I venture to state they would be far better served by a local grocer, or by either Whiteley or Shoolbred, whose prices are the same as at the Stores, and whose carts come to one’s door. But these little points are just where the ordinary woman’s finance comes utterly to an end. She can readily comprehend that sugar at 2d. a pound is cheaper than sugar at 3d.; but tell her to add to the cost of this the fare to town, wear and tear of temper, gloves, and clothes, odd cabs, and the necessary luncheon, and she is floored at once. She recognises the 2d. as against the 3d. immediately, but she cannot grasp the rest; besides which, at the Stores she sees one hundred and one things that she buys simply because they are cheap, and not because she requires them in the very least; so if Angelina values her peace of mind let her eschew the Stores, and, instead, talk to her nearest grocer on the subject, and see what can be done with him before she goes elsewhere.

Now, I think, that 2l., or, at the most, 2l. 10s., should keep Angelina, Edwin, and the model maid per week in comfort, and yet allow of no scrimping; but in this case Angelina must put a good deal of common-sense in her purse as well as money. Meat for three people need not be more than 12s., 4s. for bread and flour, 2s. for eggs, 4s. for milk, half a pound of tea at 2s. 6d.—if they will drink tea—1lb. of coffee made of equal proportions of East India, Mocha, and Plantation, comes to about 1s. 7d., sugar 6d., butter (2lbs., enough for three people) 3s., and the rest can be kept in hand for fruit, fish, chickens, washing; and the thousand and one odds and ends that are always turning up at the most unpropitious moments; such as stamps, boot-mending (two items that have largely assisted in turning my hair grey), ink, paper, string, and, in fact, all those things that an unmarried girl rather fancies grow in the house, and that she is very much surprised to find have to be purchased.

In any case, let me implore Angelina to pay her books every week herself, and never on any account to run up bills anywhere for anything. Let her never be tempted to have any single thing that she cannot pay for on the spot; and she will live happily, and be able to ‘speak with her enemies’—if she have any—‘in the gate’; that is to say, she can boldly interview her tradespeople, knowing she owes them nothing, and coming cash in hand can demand the best article in the market, which is, after all, the due of those who go and buy for ready money and should never be given to those who will have credit. There is nothing so dear as credit—please remember that, my readers, and start as you mean to go on by paying for everything as you have it; and, above all, know from your husband what he can give you, and have this regularly once a month. If you are fit to be his wife at all, you are fit to spend his money, and to spend it, moreover, without the haggling and worrying over each item that is considered necessary by some men to show their superiority over their women folk, but which should never be allowed for a moment; and should our bride have a small income of her own, this should be retained for her dress, personal expenses, &c., and should not be put into the common fund, for the man should keep the house and be the bread-winner; but, alas! middle-class brides have seldom anything to call their own, their parents thinking they have done all they need for them, should they find them a husband and a certain amount of clothes.

I very much myself disapprove of the way middle-class parents have of marrying off their daughters and giving them nothing beyond their trousseaux; and I do hope that soon fathers and mothers will copy the French more in this matter of a dowry than they do now. I maintain that they are bound to give their daughters, beyond and over such an education as shall allow them to keep themselves, the same sum when married as they received when unmarried, so shall they be to a certain extent independent and have a little something to call their own. Why, in most cases, if Angelina wants to give Edwin a present she has to buy it out of his own money! Can there be a more unenviable position for a young wife, to whom very often the mere asking for money is as painful as it is degrading? It would not hurt any father to give his daughter 50l. a year, and the difference it would make in that daughter’s comfort and position is unspeakable; and would not be more than half what she would cost him were she to remain on his hands a sour old maid.

Another thing I disapprove of is placing the household books week by week or month by month under the husband’s inspection; it leads to endless jars and frets, and discussions; therefore, having talked matters over once and for all, discuss money no more until you require additions to your allowance as the family increases; or can do with less; only know always how matters are going in business, so as to increase or retrench in a manner suitable, should circumstances alter.

Domestic matters must, of course, be discussed now and again between husband and wife; but a sensible woman keeps these subjects in the background, and no more troubles her husband with the price of butter, or the cook’s delinquencies, than he does his wife over the more intimate details of his office, which he keeps for his clerks and his partners generally; while the day’s papers, the book on hand, people one has seen, are all far more interesting things than Maria’s temper, Jane’s breakages, or than the grocer’s bill, which, if higher than it ought to be, is Angelina’s own fault, and can only be altered by herself, and not by worrying Edwin.

Common-sense housekeeping can only be done if the eyes be constantly open to see and the ears to hear. Waste must never be allowed. No servant should be kept who wastes, and if there be no dust-bin, save for cinders, no pig’s tub, no man calling at the door for bottles, and, above all, if there be a mistress who is always on the alert to use anyone else’s experience, housekeeping need be nothing of a bugbear, and can be done at one quarter the price that it usually costs. But most girls marry in perfect ignorance of everything save the plot of the last novel, the music of the last opera, the fashion of the last dress, and undertake duties they neither care for nor mean to understand, seeing nothing beyond the wedding finery, which is far too often an occasion of almost criminal display, and that must indeed appear a mockery to the poor bride, who contemplates her foolish wedding dress and wishes profoundly she had the money it cost her.

The great curse now of English households is this seeming to be what you are not, this wretched pretending of 400l. to be 800l.; the shirking of work, domestic details, and common-sense housekeeping that characterises the bride of this day, who only wants to enjoy herself and spend a little more, see a little more gaiety than the last bride did, and who sees nothing holy in the name of wife, only a mere emancipation from the schoolroom; who wants to decorate a house, not make a home; and who sees in her children, not human souls to train for time and for eternity, but pretty dolls to dress, to attract attention, or tiresome objects to be got rid of at school at the earliest opportunity.

That marriage means much more than this is gradually borne in upon the butterfly, who either sobers down in the course of years, and becomes faded and worn and peevish; or else, impatient of control, she breaks all bounds, and the whole family is disgraced by an esclandre that is as terrible as it is preventible. With such women as this we have nothing to do; but many of these poor creatures would have been saved had they been brought up properly, so I trust, after all, my words on the subject of common-sense housekeeping will not be considered out of place.

Though they are certainly a little discursive, still they have to do with money emphatically, and that was the first part of the subject I proposed to treat of in this chapter, so before I leave it let me say just a few words on the best system of keeping accounts, a most necessary portion of any woman’s business as mistress of a household.

The best authority I know on the subject of accounts is a personal friend who began housekeeping many years ago on a very small and uncertain income. Her husband was a literary man, and had of course that most tiresome and extravagance-encouraging income—a fluctuating one; yet she told me only the other day she could tell to a sixpence what she had spent ever since she was married; that at the end of the year she always sat down, first with her husband, then with her grown-up daughters, and carefully went over each month’s expenditure, and in this way she was enabled to manage well, for a glance would show her, if she had spent too much, where she could retrench, or where, if the income had increased, she could best ‘launch out’ in order to insure more comforts and less forethought and worry: in consequence of her arrangements she was always beforehand with the world, and never owed a sixpence she could not pay. A young housekeeper is often bewildered between account books. She buys one, of course, and then is bothered by detail, or begins to find ‘sundries’ a most convenient entry—and so, alas! it is. But our model housekeeper shrinks from sundries, or any of these somewhat mean subterfuges, and boldly discovers how she has spent her money, although I must confess I myself am such a bad hand at this sort of thing that, could I be seen, I feel convinced I should be found to be blushing violently at giving advice which I far too often do not follow; indeed, I always feel inclined to imitate the old woman-servant whose balance sheet consisted of so many ‘foggets,’ among other items, that her master (of course he was a bachelor), confused with the idea of having so much firewood, begged her for an explanation, when she remarked, ‘ ’Taint faggots, master; ’tis forgets.’ Fortunately her honesty had been tried by many a long year’s service, or she might have got into serious trouble; and I think when we too have ‘forgets’ we are not unlikely to get into trouble when at last we have to face boldly a day of reckoning, which must come sooner or later.

But if I am not a good hand at accounts my friend is, and I here append a leaf from her account book, which, ruled and written by herself, is to me a model of what it should be. Of course the columns can be added to, to any extent, but this will show at once how to keep one’s bills before one: in such a manner, that one sees at once how and where the money has gone, and I can but hope this capital system will be adopted at once by all those who are starting in life with the best resolve of all, that nothing shall persuade them to get into debt.

And here let me say that there should always be a special column for medical attendance; and without doubting the medical profession in the least, let me impress upon all who have to call in a physician to note his visits in the column set apart for the purpose. I always note a doctor’s visits in my diary, as this often checks his accounts, for, without meaning to be dishonest, a doctor often makes the most astounding mistakes. For example, not long ago I saved myself 7l. on a doctor’s bill by sending an exorbitant account back to my then doctor, drawing his attention to the fact that by my diary only so many visits had been paid, whereas so many had evidently been charged for; when the clerk wrote back to say the error had been made in the addition, and that of course this would have been rectified next time! I can’t say if it would have been; all I know is, I was saved the money by always putting down the visits; so I most strongly advise Angelina to put the column in her account book as a reminder, even if she cannot put down in that the exact sum; and I must say I do most heartily wish it were

Butcher, Baker Grocer Greengrocer Coal, Gas, & Rent, Rates Wages Dress Washing Total
Fishmonger Lighting and Taxes
1887 £ s. d. £ s. d. £ s. d. £ s. d. £ s. d. £ s. d. £ s. d. £ s. d. £ s. d. £ s. d.
Jan. 1 Messrs. Slater & Co. 5 0 0 5 0 0
“ 5 Smith 1 0 0 1 0 0
“ 6 Whiteley’s account 1 10 0 5 0 0 6 10 0
“ 7 Income Tax 10 0 0 10 0 0
“ 8 Water Rate 2 4 0 2 4 0
“ 9 Poor Rate 5 0 0 5 0 0
“ 10 Christmas Rent 25 0 0 25 0 0
“ 11 One quarter Gas, due Christmas 5 0 0
“ 15 Housemaid 5 0 0 5 0 0
“ 16 Parlourmaid 6 0 0 6 0 0
“ 17 Cook 7 10 0 7 10 0
“ 18 Worth 20 0 0 20 0 0
“ 19 Mrs. Jones 2 0 0 2 0 0
“ 20 Potatoes 0 10 0 010 0
“ 25 Fish account 3 0 0 3 0 0
“ 27 Sundry Groceries 2 0 0 2 0 0
“ 28 Coal 5 0 0 5 0 0
Total 8 0 0 1 0 0 3 10 0 0 10 0 15 0 0 42 4 0 18 10 0 20 0 0 2 0 0 110 14 0

etiquette for doctors to send in their bills made out in items, instead of that business way of ‘To medical attendance, &c.,’ for I cannot see why they should not. Even a lawyer gives items of his detestable; and what should we say to a modiste who sent in her bill, ‘To dress and draperies to date,’ without items? I like to know what I am paying for; and why should not my case, mentioned above, be the case of many? One word before I leave the doctor—pay his bill at once; no one is kept waiting longer than a doctor; no one usually deserves his money more; it is a disagreeable bill to keep about, and should be always settled as soon as possible.

Now for one hint more, as applying both to meals and money. If you want to save begin with the butcher and the brewer—not that I for one moment want to run down beer—my husband being a brewer, I should not be likely to do so; and I mention this fact to show I cannot be a rabid teetotaler—but I do say and maintain that beer is not necessary for women and for women servants, that young people especially do not require stimulants—I, for one, never took either wine or beer until I had passed the pleasant age of thirty-one or thirty-two—and that milk is far better for both servants and children, youths and maidens, than malt liquor of any sort or description, and that therefore milk should be a somewhat large item in the housekeeping accounts. Angelina should have milk for luncheon and milk instead of that odious tea after dinner; Mary Jane should be encouraged to drink milk with her supper, and a proportionate save is at once made in the accounts, though, after all, one can only give general ideas on this subject, as, of course, individual tastes have to be studied, and no one person’s expenditure is quite a guide for another’s. Many people dislike milk, and this subject of a pleasant beverage is one that often harasses me mentally a good bit, for I don’t honestly think filtered boiled water pleasant (unfiltered unboiled water is unsafe drinking), and unless we fall back on milk and home-made lemonade, we are rather hopeless, for beer is out of the question, as far as I am concerned, in kitchen and schoolroom, and if some genius would invent something cheap, healthy, palatable, and without alcohol in it, I for one will patronise him largely, and give him honourable mention, if not a medal, all to himself.

Still, until that is done I strongly advise Angelina to pay the milkman rather than the brewer, and by drinking milk herself to set an example which will speak louder than any amount of argument. And general ideas, too, can only be given on the subject of meals. Yet general ideas are most useful as a species of foundation on which to raise the rest of the fabric, so I will shortly sketch out now a foundation scheme that should be of great assistance to those girls who are beginning housekeeping on small means, and less knowledge of the subject on which depends so much of their welfare and happiness.

It maybe of some little assistance to Angelina if I begin my short dissertation on meals by giving her one or two hints as to what to have for breakfast, before passing on to other subjects, as in some small households this always appears to me to be somewhat of a stumbling-block to a young mistress, accustomed to see a large amount of variety, prepared for a grown-up family.

What is eaten for breakfast depends, naturally, a great deal on individual tastes, and there are endless little dishes that require the attention of a first-rate cook; but Angelina and Edwin must rise superior to this, for they will not be able to afford such things even if they desire them, and I do hope they do not, for I do not know a more despicable way of spending one’s time or one’s money than in squandering it over food and expensive cooks. If things are nice and are nicely sent to table, that should suffice, and I think perhaps a few simple hints on the subject would not be out of place, for while Angelina should, of course, order carefully all that is required, I see no reason why she should rack her brain and harass her cook, particularly when that damsel will have to do a great deal besides merely cooking the breakfast.

Whatever else there is not, there should be a little fruit. Oranges, pears, apples, and grapes are cheap enough if purchased with sense, and as ‘dessert,’ as a rule, is unnecessary save for appearances—and we are too sensible to think only of these—I should advise the fruit that nobody appears to grudge the money for then; appearing at breakfast, where it makes the table look pretty, and where it is really good for both young and old folks, too. Then, if possible, have either honey or marmalade, it is much healthier and cheaper than butter, and generally try to have either a tongue (3s. 6d.) or a nice ham (8s. 6d.) in cut, it is such a useful thing to have in the house; as also are sardines (1s. a box, large size, 6½d. small), as if unexpected folk drop in to luncheon, or supper be required instead of dinner, they are there to ‘fall back upon’; and if they appear at breakfast some really fresh eggs, nicely fried bacon, curried kidneys or plain kidneys, mushrooms, a most healthy dish, and not too expensive at some times of the year; curried eggs and rice, bloaters, and bloater-toast, occasionally a fresh sole, a mackerel split open, peppered, and salted and grilled, a cutlet of cod, an occasional sausage (and ever since I can remember we always have had sausages for breakfast on Sundays), form a list from which a single dish can be chosen, and which should suffice, more especially when we consider the honey and fruit, both of which look nice on the table, are more wholesome, and save the butter and meat bill. And once the cook is trained into our ways, and she knows what to do, there is no need to order breakfast, a great comfort for those who have much domestic routine of food to think of before beginning the day. Do not have hot buttered toast or hot bread. Those two items make the butter bill into a nightmare, and are also most unhealthy, but have nice fresh brown bread, Nevill’s hot-water bread, the nicest bread made, oat-cake (2s. a large tin at any good grocer’s), and fresh, crisp, dry toast, and then I think neither Edwin nor Angelina can complain, more especially if a nice white cloth (freshly taken from the press, in which all cloths should be put folded the moment they are taken from the table), with a pretty red border, and nicely folded napkins, each in its own ring and each embroidered with initials in red, be used, and I think that I shall not be suspected of being a fussy old maid, if I suggest that the crumbs should be brushed off by the maid and the cloth folded with Angelina’s assistance, in which case it will last twice as long as it would if, as usual, it is crumpled up and shaken out at the back door in a manner much affected by careless servants. But these trifles save the washing bill, which in these days is no light consideration.

At first another meal that will trouble our bride is that most necessary of all meals—luncheon. By-and-bye, when little folks have to be thought of, this midday dinner becomes a very easy business, but I must own that luncheon and the servant’s dinner combined is a terrible trouble during the first year or two of married life.

I think it was Shirley Brooks who used to say he believed that were women left to themselves they would never have dinner at all, and that they would either keep something in a cupboard and eat from it when positively driven to do so by the pangs of hunger, or else they would have a tray brought up with tea, bread-and-butter, and an egg, and think they had done well; and I confess freely that my first idea when I hear that the lord and master of my establishment is going out to dine is, ‘Thank goodness, there will be no dinner to order;’ but this is all very well occasionally, albeit I don’t see why we women should not have the same amount of food alone as when in company, but it becomes serious if it goes on for long; therefore I once more impress upon Angelina to be sure and have her proper luncheon, just as she used to do at home with her sisters and mother before she was married. Another reason for the midday meal is that no servant will ever grumble at the food prepared for them if it has first been into the dining-room, and a good deal of trouble of this kind would be saved. It is, I own, very difficult to find food for three women that is economical as well as satisfactory, but a fair arrangement would be as follows:—Of course there will be a small piece of beef on Sunday; for a small household about 6 lbs. of the ribs of beef is best. This should be boned (the bones coming in for Monday night’s soup) and rolled, and sent to table with horse-radish, placed on the meat; Yorkshire pudding, which should be cooked under the meat, and sent in on a separate very hot dish, and appropriate vegetables according to the time of year. For a large hungry family a piece of 12 lbs. of the top side of the round should be chosen. There is only very little bone here, and not too much fat, and besides being cheaper than any other joint it is most economical, and as nice as anything else. But more of this anon.

The beef can be cold for Angelina and the maids on Monday, with, say, a lemon pudding. On Tuesday ‘dormers’ can be made, with rice and cold beef, and sent in very hot, with nice gravy, and simple pudding; a mould of cornflour and jam is delicious. Wednesday, a small amount of fish could be purchased, and cold beef used if desired. Rice pudding, made with a méringue crust, is very good indeed. Thursday, if no more beef be left, a nice boiled rabbit could be had, with some bacon round, and a custard pudding. Friday, 1½ lb. of the lean part of the neck of mutton would make a delicious stew, and pancakes could follow. Saturday, about three pounds of pork could be roasted, and sent in with a savoury pudding and apple-sauce, and a sago pudding to conclude the repast. This could be finished cold at Sunday’s supper. Here is variety and economy combined. One great thing I find in housekeeping on a larger scale is to have one or two good-sized joints, and to fill in the corners with fish, poultry, and rabbits. Fish can always be contracted for cheaply. I pay 2s. a day, and get an ample supply for dinner and breakfast, and sometimes enough for the schoolroom tea too; and poultry and rabbits can often be bought at the London markets very inexpensively, while I procure my chickens from delightful people in Liverpool, Messrs. Hasson and Co., 12 Dawson Street, who sell them to me at prices varying from 4s. 6d. to 5s. 6d. the couple, according to the time of year.

Edwin’s dinner requires, of course, more consideration, and he may have very pronounced tastes that require special studying, but in any case I say it is well and economical to have soup and fish before the meat. Soup made from bones and vegetables is as cheap and as nice as anything I know, and sixpence or a shilling a day will keep you in fish, if you set about this properly; but the great thing about all meals is to have what you may like sent to table looking nice, and to have none of the accessories forgotten, an elaborate and expensive meal ungracefully served on ugly china, or without flowers, and with half the condiments forgotten, being often enough to spoil any one’s temper, when a cheap, well-cooked dinner, prettily and tastefully put before Edwin, will satisfy him, more especially when the household books are equally satisfactory when pay-day comes.

Let me conclude this chapter by once more impressing on our young housekeepers never to allow jars and squabbles about money. At first starting know everything about your income, and settle exactly what is to suffice for dress and food, and have a settled day, once a month is best, on which to receive that allowance. Should Edwin have a fixed income this is a comparatively easy matter to settle between husband and wife; but should it fluctuate, as the income does of a man who lives by his pen, pencil, or even by stockbroking (a manner of living that would drive me mad) or by rents from land, it is safe to arrange expenditure on the basis of the least sum obtained by these means, drawing an average for the last three years, any surplus going on joyfully towards the second year, towards procuring books, taking a holiday, or bringing something home for the house; there being no pleasure like that of spending money we can feel is thoroughly our own, and that may actually be wasted if we like on something delightful, because it is not required to pay some odious bill or replace some ugly and necessary article.

From Kitchen to Garret: Hints for young householders

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