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A leading woman banker tells how you can save
Has Your
Lifetime
e, ' -
By MARY G. ROEBLING
President and Chairman of the Board, Trenton (N. .) Trust Company;
IF your family is at all typical, chances are
that you spend practically all if not all
the money you earn each month. You
may even have gotten into the habit of liv
ing on next month's pay or find yourself
dipping into your ever-dwindling savings.
For some families, this may never present
a problem. For most, however, there will
come a time of reckoning a major illness,
job layoff, or other emergency. Will you be
ready for whatever the future brings?
A family must think of the. future while
living in the present, and many families do
manage to save, even on relatively modest
incomes. Obviously, to accomplish this re
quires a carefully worked-out plan. In this
article, I would like to suggest a plan, one
that will entail only a few hours of your
time each year.
First, let me make a Very important
point: the reason many family financial
plans fail to work is because husband and
wife do not share equally in the respon
sibility. The family partnership of husband
and wife should, in fact, operate like a busi
ness partnership, with the two equally
aware of the goals of the plan and the ad
vantages to be gained by mutually agreed
upon businesslike procedures.
I will go even further than this and say
that the wife, responsible as she is for many
of the major family expenditures and also
often the ultimate beneficiary of other items
in the budget insurance, savings, even the
home itself should assume the main re
sponsibility for carrying out the goals of the
family financial plan.
The next step is to start making an
estimate of your "net worth" the differ
ence between what you own and what you
owe so that you can see just how you
stand financially. On a sheet of paper, list
the family "assets" that is, all the things
you own, including your bank savings (plus
any unpaid interest due you), checking ac
count, cash on hand, the market value of
your stocks, bonds, and other investments,
the cash value of your life insurance, the
price you would get how if you sold your
home, car, and other property. Also include
the amount you may have in your com
pany's pension plan or retirement program.
Next, list your "liabilities" or debts that
is, everything you owe in the form of
loans, installment debts, unpaid bills, bal
ance due on your mortgage, taxes not with
- held, and other liabilities. Then subtract
your total liabilities from your total assets
to arrive at your net worth.
Ideally, your net worth should increase
every year. Authorities differ in their esti
mates as to just how much, but to keep pace
with the constantly shrinking value of the
dollar would require an increase of at least
4 or 5 percent a year.'
To what extent your net worth increases
or decreases will, of course, depend to a
good extent on how you manage your
money from year to year. But how can you
set up a good, simple budget?
First, write down the amount of income
you expect to receive during the coming
year. Exclude taxes and any other deduc
tions, of course, but be sure to include any
money expected from interest, dividends,
Christmas bonus, and so on.
Then write down an estimate of all your
ramify Weekly, May 14, INI
s-TirT. mmw wmnmx
for the emergencies and needs of tomorrow
&
Family a
Finance Plan?
as told to Carl Bakal
Governor of the American Stock Exchange
expenses for the whole year. Some of these
will be relatively easy to figure on the basis
of your past records or experience, and may
be called "fixed" expenses.
What you have left after subtracting your
fixed expenses from your net income is the
amount remaining for your day-to-day liv
ing expenses, which include food, clothing,
household operation, car maintenance and
transportation, medical and dental bills, en
tertainment, vacation, personal allowances,
gifts, and so on.
Once all your estimated expenses are
down on paper, you can see where it is nec
essary to shave costs. Food expenditures
can only be. reduced to a certain point, and
children must have new clothes periodi
cally, but one way to keep down even these
basic living expenses is by careful compari
son shopping. A saving of only a few pen
nies on items purchased regularly can add
up to a considerable sum during the year. '
There are many other ways you can save.
One way is to pay cash whenever pos
sible. Finance charges, for example, often
can add anywhere from 12 percent to 35
percent to the cost of an item.
This is not to say that I am opposed to
the use of credit: in fact, it is the lifeblood
of American business, and few people could
afford to buy a house or car or make other
major purchases without its use. But it
should be used judiciously and never be
allowed to assume unrealistic proportions.
One good rule-of-thumb is never to allow
one's total debt (exclusive of that owed on
a house or car) to exceed 15 percent of an
nual income.
I have not discussed savings in detail, but
they should also be an important element
in your financial plan. I realize that there
are some families whose income is so low
as to make it difficult, if not impossible, to
save. Yet once the family's really basic
needs such as food, housing, clothing, and
medical care are adequately provided for,
there should be some attempt to save for
emergencies.
Apart from this, the family should have
at least one other savings account as an
additional safety cushion and, more posi
tively, to provide for certain anticipated fu
ture needs education, a new home, a new
car, and so on.
As I've already intimated, and as un
pleasant as it may sound, there also is the
possibility that the wife some day may have
to step into her husband's shoes. So she
needs the practical experience that can
come only with actual management
Every wife should have an approximate
idea of how much she would need to
support herself and the children if she
suddenly found it necessary to manage
alone. In addition, she should have a record
of and know the physical location of her
husband's bankbooks, insurance policies,
securities, property deeds, pensions, mort
gages, loans, and debts, as well as his safe
deposit box and will.
Money, of course, does not necessarily
make for a happy marriage and family life,
but it is a key ingredient. Careful financial
planning can do a lot to eliminate an impor
tant source of family friction, make life
easier for our loved ones, and ease our own
. cares now and in the years to come.
-""i"', llrS. l VaHs Atrtleee. An.: Cettw f aSeraea
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