March 2020 Desktop Wallpaper: -Another grievous form of lack of self-control is the “spending” habit. I have a reference, of course, to the habit of spending beyond one’s needs. This habit has become so prevalent since the close of the world war that it is alarming. A well-known economist has prophesied that three more generations will transform the United States from the richest country in the world to the poorest if the children are not taught the savings habit, as a part of their training in both the schools and the homes. On every hand, we see people buying automobiles on the installment plan instead of buying homes. Within the last fifteen years, the automobile “fad” has become so popular that literally tens of thousands of people are mortgaging their futures to own cars. A prominent scientist, who has a keen sense of humor, has prophesied that not only will this habit grow lean bank accounts, but, if persisted in, it will eventually grow babies whose legs will have become transformed into wheels. This is a speed-mad, money-spending age in which we are living, and the uppermost thought in the minds of most of us is to live faster than our neighbors. Not long ago the general manager of a concern that employs 600 men and women became alarmed over a large number of his employees who were becoming involved with “loan sharks,” and decided to put an end to this evil.
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When he completed his investigation, he found that only nine percent of his employees had savings accounts, and of the other ninety-one percent who had no money ahead, seventy-five percent were in debt in one form or another, some of them being hopelessly involved financially. Of those who were in debt 210 owned automobiles. We are creatures of imitation. We find it hard to resist the temptation to do that which we see others doing. If our neighbor buys a Buick, we must imitate him and if we cannot scrape together enough to make the first payment on a Buick we must, at least, have a Ford. Meanwhile, we take no heed of the morrow. The old-fashioned “rainy-day nest egg” has become obsolete. We live from day to day. We buy our coal by the pound and our flour in five-pound sacks, thereby paying a third more for it than it ought to cost because it is distributed in small quantities.
Of course, this warning does not apply to you! It is intended only for those who are finding themselves in the chains of poverty by spending beyond their earning capacity, and who have not yet heard that there are March 2020 Desktop Wallpapers which must be observed by all who would attain success. The automobile is one of the modern wonders of the world, but it is more often a luxury than it is a necessity, and tens of thousands of people who are now “stepping on the gas” at a lively pace are going to see some dangerous skidding when their “rainy days” arrive. It requires considerable self-control to use the streetcars as a means of transportation when people all around us are driving automobiles, but all who exercise this self-control are practically sure to see the day when many who are now driving cars will be either riding the streetcars or walking.
I repeat — the spending habit is turning America into a nation of paupers! I am safe in assuming that you are struggling to attain success, for if you were not you would not be reading this course. Let me remind you, then, that a March 2020 Desktop Wallpaper will attract many an opportunity to you that would not come your way without it. The size of the account is not so important as is the fact that you have established the savings habit, for this habit marks you as a person who exercises an important form of self-control.