CHAPTER I.
A Great Change "There's no doubt about it, we really must economize somehow!" sighed Mrs.Woodward helplessly, with her housekeeping book in one hand, and her bank pass-book in the other, and an array of bills spread out on the table in front of her.

"Children, do you hear what I say?
The war will make a great difference to our income, and we can't--simply _can't_--go on living in exactly the old way.

The sooner we all realize it the better.

I wish I knew where to begin." "Might knock off going to church, and save the money we give in collections!" suggested Percy flippantly.

"It must tot up to quite a decent sum in the course of a year, not to mention pew rent!" His mother cast a reproachful glance at him.
"Now, Percy, _do_ be serious for once! You and Winona are quite old enough to understand business matters.