How to save money by J. George Frederick
How to save money by J. George Frederick is a practical personal-finance handbook written in the early 20th century. It argues for disciplined thrift and lays out clear methods—budgeting, safe saving, and conservative investing—to help ordinary people build security, meet family goals, and prepare for old age. The book opens by making saving a matter of will, habit, and psychology, showing how to tie thrift to strong motives like family and home
while resisting impulses that drive overspending. It underscores the stakes with sobering life-course statistics, then moves to action: start children early with allowances and goals; treat money as a worker and harness compound interest; and use a six-part budget (Shelter, Food, Clothing, Operating, Savings, Advancement) to guarantee regular saving. For growing funds it proposes a conservative ladder—begin with savings accounts and government bonds, add high-grade bonds and, in moderation, preferred and leading common stocks (often via installments), and test every bond’s safety with earnings and dividend records. It explains interest-rate trade-offs, the types of savings banks and share plans, and stresses life and endowment insurance, employer savings and stock-purchase programs, and group insurance as powerful, systematic tools. The conclusion urges readers to view themselves as capital, aim to save at least a tenth of income, invest prudently, and let time and compounding convert steady habits into lifelong financial independence. (This is an automatically generated summary.)
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About this eBook
| Author | Frederick, J. George (Justus George), 1882-1964 |
|---|---|
| Editor | Haldeman-Julius, E. (Emanuel), 1888-1951 |
| LoC No. | 2004564124 |
| Title | How to save money |
| Original Publication | Girard: Haldeman-Julius Company, 1926. |
| Series Title | Little blue book ; no. 1004 |
| Credits | Tim Miller and the Online Distributed Proofreading Team at www.pgdp.net |
| Language | English |
| LoC Class | HG: Social sciences: Finance |
| Subject | Saving and investment |
| Category | Text |
| EBook-No. | 77970 |
| Release Date | Feb 17, 2026 |
| Copyright Status | Public domain in the USA. |
| Downloads | 332 downloads in the last 30 days. |
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