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Title: Friendly Visiting among the Poor - A Handbook for Charity Workers
Author: Richmond, Mary Ellen, 1861-1928
Language: English
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Copyright Status: Not copyrighted in the United States. If you live elsewhere check the laws of your country before downloading this ebook. See comments about copyright issues at end of book.

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A Handbook for Charity Workers



General Secretary of the Charity Organization
Society of Baltimore

New York
The MacMillan Company

London: MacMillan & Co., Ltd.


All rights reserved

Copyright, 1899,
by The MacMillan Company.

Set up and electrotyped January, 1899.

Reprinted November, 1899; February, 1903;
  February, 1906; November, 1907.



This little volume is intended as a handbook for those who are
beginning to do charitable work in the homes of the poor, whether as
individuals or as representatives of some church, or of some religious
society, such as the King's Daughters, the Epworth League, or the
Christian Endeavor Society.   The term "friendly visitor" does not
apply to one who aimlessly visits the poor for a little while, without
making any effort to improve their condition permanently or to be a
real friend to them.  Friendly visiting, as distinguished from district
visiting, originated with the charity organization societies, some of
which are indefatigable in training volunteers to do effective work in
the homes of the poor.  Though I should be glad to find that my book
was of some service to these societies, it was not prepared for their
use alone, and no {vi} mention is made, therefore, of the organization
of visitors into district conferences.  For inexperienced workers, who
need leadership in their charity, there can be no better training than
the meetings of a well-organized conference under a capable chairman,
and even the most experienced, by keeping in close touch with such a
conference, can do more effective work.

The suggestions herein contained are not to be taken as all applicable
to the work of any one visitor.  Friendly visitors that tried to adopt
them all would have to abandon their other interests, and their other
interests make them more useful friends to the poor.  Like the words in
a dictionary, some suggestions will be of service to a few workers, and
others will be found applicable to the work of many.

In addition to the standard authorities mentioned under General
References, a list for supplementary reading will be found at the end
of each chapter.  These lists are in no sense a bibliography of the
subject.  A handbook such as this is chiefly useful in suggesting
further inquiry, and, for beginners, I have thought best to include a
number of references out of the {vii} beaten track to stories and
magazine articles that seemed illustrative of the matter in hand.

It will be seen that I have borrowed much in direct quotation in the
following pages from those who have preceded me in writing about the
poor, but my debt does not end here.  Whatever I may be said to know
about charitable work--my whole point of view and inspiration in
fact--can be traced to certain definite sources.  To some of the
leaders of the Charity Organization Society of London, to Miss Octavia
Hill, Mrs. Bernard Bosanquet, and Mr. C. S. Loch, it will be evident to
my readers that my obligation is great.  It will be evident also that I
have been helped by Mrs. Josephine Shaw Lowell and other workers in New
York, who, against such odds, are making advances in the reform of
municipal abuses; and by that group too who, under the leadership of
Miss Jane Addams, have given us, at Hull House in Chicago, so admirable
an object lesson in the power of neighborliness.  But more than to any
other teachers, perhaps, I am indebted to those members of the
Associated Charities who organized Boston's friendly visitors nineteen
years ago, and have {viii} led them since to increasing usefulness.
Their reports have been my most valuable source of information.  If I
do not name also my friends and fellow-workers here in Baltimore, it is
not because I fail to bear them individually most gratefully in mind.

BALTIMORE, January, 1899.



CHAPTER I                                                  PAGE

INTRODUCTION . . . . . . . . . . . . . . . . . . . . . . .    1


THE BREADWINNER  . . . . . . . . . . . . . . . . . . . . .   17


THE BREADWINNER AT HOME  . . . . . . . . . . . . . . . . .   44


THE HOMEMAKER  . . . . . . . . . . . . . . . . . . . . . .   64


THE CHILDREN . . . . . . . . . . . . . . . . . . . . . . .   76


HEALTH . . . . . . . . . . . . . . . . . . . . . . . . . .   95


SPENDING AND SAVING  . . . . . . . . . . . . . . . . . . .  108



RECREATION . . . . . . . . . . . . . . . . . . . . . . . .  127


RELIEF . . . . . . . . . . . . . . . . . . . . . . . . . .  140


THE CHURCH . . . . . . . . . . . . . . . . . . . . . . . .  166


THE FRIENDLY VISITOR . . . . . . . . . . . . . . . . . . .  179

APPENDIX . . . . . . . . . . . . . . . . . . . . . . . . .  197

INDEX  . . . . . . . . . . . . . . . . . . . . . . . . . .  219



Proceedings of National Conferences of Charities and Correction, 25
volumes, especially portions containing reports of sections on
Child-Saving and Organization of Charities.  The Conference Reports
constitute the best American authority on charities.  Special papers in
the Reports are noted in this book after the appropriate chapters.

Proceedings of International Congress of Charities, Correction and
Philanthropy, Chicago, 1893, especially volumes on "Care of Children"
and "Organization of Charities."  Published by Johns Hopkins Press,

"Homes of the London Poor," Octavia Hill.  For sale by New York State
Charities Aid Association, 25 cents.

"Essays," Octavia Hill.  For sale by Boston Associated Charities;
price, 10 cents.

"Rich and Poor," Mrs. Bernard Bosanquet.

"How to help the Poor," Mrs. James T. Fields.

"Public Relief and Private Charity," Mrs. Josephine Shaw Lowell.

"American Charities," A. G. Warner.

"Hull House Maps and Papers."





There is a certain development in the English novel of which I have
long seemed to be vaguely conscious.  At one time I hoped to set myself
the task of tracing it, though I have since relinquished all thought of
this as too ambitious.  The movement--if, indeed, there be such a
movement--has always pictured itself to my mind as the march of the
plain and common people into the foreground of English fiction.  I
venture to introduce the idea here, though it may appear foreign to my
subject, as illustrating another and equally important movement in the
development of charitable work.

Should any one ever turn over the pages of our two centuries' stock of
novels, with a view {2} to tracing this gradual development of interest
in the poor and unfortunate, he would find, of course, that facts have
a tantalizing way of moving in zigzags whenever one is anxious that
they should move forward in a straight line; but he would probably find
also that, in the earlier attempts of the novel writer to picture the
poor, they were drawn as mere puppets on which the richly endowed
heroes and heroines exercised their benevolence.  Very likely he would
discover that, when at last the poor began to take an important part in
the action of the story, we were permitted to see them at first only
through a haze of sentimentality, so that, allowing for great advances
in the art of novel writing between the time of Richardson and the time
of Dickens, we still should find the astonishing characterizations of
"Pamela" reflected in the impossible virtues and melodramatic vices of
Dickens' poor people.

To Miss Edgeworth and Scott first, perhaps, and to George Eliot most of
all, we should find ourselves indebted for faithful studies of plain
people,--studies made with an eye single to {3} the object, and
leaving, therefore, no unlovely trait slurred over or excused, yet
giving us that perfect understanding of every-day people which is the
only true basis of sympathy with them.  In America we are indebted to
such conscientious artists as Miss Jewett and Octave Thanet for a
similar enlargement of our sympathies through their life-like pictures
of the less sophisticated people of our own time.

An even more recent development would be found in what is called the
"sociological" novel.  Monstrous and misshapen as this must seem to us
often, if considered as a work of art, it would have to be reckoned
with in any investigation of the treatment of poverty in fiction.

Turning to the treatment of poverty in fact, it is surely not
altogether fanciful to think that we can trace a similar
development,--the march of the plain and common people into the
foreground of the charitable consciousness.  Here, too, the facts will
not always travel in straight lines, and the great souls of earlier
ages will be found to have anticipated our best thinking; but usually
the world has failed in {4} any effort to adopt their high standards.
Speaking roughly, several centuries of charitable practice, in the
English world at least, are fairly well summed up in the doggerel
verses of that sixteenth-century divine, quoted by Hobson, who
counselled his flock,

  "Yet cease not to give
    Without any regard;
  Though the beggars be wicked,
    Thou shalt have thy reward."

The spirit of the mediaeval church, too, encouraged charitable giving
in the main "as a species of fire insurance."  The poor, when they were
thought of at all, were too likely to be regarded as a means of saving
the giver's soul.  This view of poverty is either quite dead or dying,
but the sentimental view, which succeeded it, is still very common.  We
are still inclined to take a conventional attitude toward the poor,
seeing them through the comfortable haze of our own excellent
intentions, and content to know that we wish them well, without being
at any great pains to know them as they really are.  In other words,
our intentions are good, but they {5} are not always good enough to
lead us to take our charitable work quite seriously, and found it
solidly upon knowledge and experience.

But the century drawing to a close has seen two very important
developments in charitable work in England and America; developments
quite as important in their own field as the advances of the century in
the art of fiction.  The first of these is the wonderful growth of the
spirit of individual service, which has found one of its highest
expressions in the work of friendly visitors in the homes of the poor.
The second is the new but vigorous growth of the spirit of social
service, which has found its best expression in social and college
settlements.  It might be possible to prove that both these
developments are merely revivals, that at several stages of the world's
history the same ideas have been put forward under other names; but
never before, as it seems to me, have they found such general

This gives us three tolerably well-defined phases of charitable
progress: the phases of indiscriminate relief, of individual service,
and {6} of social service.  In the first phase, we are charitable
either for the sake of our souls or else to gratify our own emotions.
In the second, we are charitable for the sake of the individual poor
man.  In the third, we are charitable for the sake of the class to
which he belongs.

Of the dangers of indiscriminate relief, it should not be necessary to
speak, for much has been written on that subject; but the dangers of
individual and social service have not been so frequently pointed out.
These two forms of service are very closely related.  It is impossible
to treat the individual poor man without affecting the condition of his
fellows for better or worse, and it is impossible to deal with social
conditions without affecting the units that compose society.  The
problems of poverty must be attacked from both sides, therefore, and
though I shall dwell particularly upon individual service in these
pages, we should remember that, unless this service is supplemented by
the work of good citizens, who shall strive to make our cities
healthier and freer from temptation, our school system more {7}
thorough and practical, and our public charities more effective, unless
this public work also is pushed forward, our individual work in the
homes of the poor will be largely in vain.

I have said that there were dangers in both forms of service.  In work
with individual poor families we are likely to forget that these are
part of a neighborhood and community, and that we have no right to help
them in a way that will work harm to the community.  We are always
inclined to think that the particular family in which we are interested
is an "exceptional case," and the exceptional treatment lavished upon
our exceptional case often rouses in a neighborhood hopes that it is
impossible for us to fulfil.  Then, too, occupied as we are with
individuals, we are likely to exaggerate the importance of those causes
of poverty that have their origin in the individual.  We are likely to
over emphasize the moral and mental lacks shown in bad personal habits,
such as drunkenness and licentiousness, in thriftlessness, laziness, or
inefficiency; and some of us are even rash enough to attribute all the
ills of the poor to drink or laziness.  On the other hand, those {8}
who are engaged in social service often exaggerate the causes of
poverty that are external to the individual.  Bad industrial conditions
and defective legislation seem to them the causes of nearly all the
distress around them.  Settlement workers are likely to say that the
sufferings of the poor are due to conditions over which the poor have
no control.

The truth lies somewhere between these two extremes; the fact being
that the personal and social causes of poverty act and react upon each
other, changing places as cause and as effect, until they form a tangle
that no hasty, impatient jerking can unravel.  The charity worker and
the settlement worker have need of each other: neither one can afford
to ignore the experience of the other.  Friendly visitors and all who
are trying to improve conditions in poor homes should welcome the
experience of those who are studying trade conditions and other more
general aspects of questions affecting the welfare of the poor.  But
they should not permit themselves to be swept away by enthusiastic
advocates of social reform from that safe middle ground which
recognizes that character is at the {9} very centre of this complicated
problem; character in the rich, who owe the poor justice as well as
mercy, and character in the poor, who are masters of their fate to a
greater degree than they will recognize or than we will recognize for
them.  To ignore the importance of character and of the discipline that
makes character is a common fault of modern philanthropy.  Rich and
poor alike are pictured as the victims of circumstances, of a wrong
social order.  A political writer has said that formerly, when our
forefathers became dissatisfied, they pushed farther into the
wilderness, but that now, if anything goes wrong, we run howling to
Washington, asking special legislation for our troubles.  Symptoms are
not lacking of a healthy reaction from this undemocratic attitude of
mind.  In so far as our charitable work affects it, let us see to it
that we do our part in restoring a tone of sturdy self-reliance and
independence to the Commonwealth.

Turning from these more general considerations, it is proposed, in this
book, to treat of various aspects of the home life of the poor as {10}
affected by charity.  At the very beginning, however, it may be well to
inquire, Who are the poor?  If this were a study of the needs of the
rich, we should realize at once that they are a difficult class to
generalize about; rich people are understood to differ widely from each
other in tastes, aims, virtues, and vices.  The great, conglomerate
class of the rich--which is really no social class at all--has included
human beings as different as Lord Shaftesbury and Mr. Barney Barnato.
But it is the very same with the poor; and any effort to go among them
for the purpose of helping them that does not frankly recognize this
wide diversity, must end in failure.  The charity worker must rid
himself, first of all, of the conventional picture of the poor as
always either very abjectly needy, or else very abjectly grateful.  He
must understand that an attitude of patronage toward the poor man is
likely to put the patron in as ridiculous a position as Mr. Pullet,
when he addressed his nephew, Tom Tulliver, as "Young Sir."  Upon which
George Eliot remarks: "A boy's sheepishness is by no means a sign of
overmastering reverence; and while you are making {11} encouraging
advances to him under the idea that he is overwhelmed by a sense of
your age and wisdom, ten to one he is thinking you extremely queer."
The would-be philanthropist, who is very conscious of himself and only
vaguely conscious of the object of his benevolence, is likely to seem
and to be "extremely queer."

If I were writing about the rich, I should be inclined to divide them,
according to their attitude toward life, into workers and parasites,
but this classification will serve for the poor as well.  The motto of
the worker is, "I owe the world a life," and the motto of the parasite
is, "The world owes me a living."  When the parasite happens to be poor
we call him a pauper; but there is a world of difference between
poverty and pauperism.  The poor man may become destitute through
stress of circumstances, and be forced to accept charity, but your true
pauper, be he rich or poor, has the parasitic habit of mind.  When we
ask ourselves then, Who are the poor? we must answer that they include
widely divergent types of character,--the selfish and the {12}
unselfish, the noble and the mean, workers and parasites--and that, in
going among them, we must be prepared to meet human beings differing
often from ourselves, it may be, in trivial and external things, but
like ourselves in all else.

Some who are ready enough to recognize these rudimentary facts about
the poor, question our right to go among them with the object of doing
them good, regarding it as an impertinent interference with the rights
of the individual.  But those who hold to this view seldom have the
courage of their convictions.  When they see suffering, they are very
likely to interfere by sending help, though this well-meant
interference, unaccompanied by personal knowledge of all the
circumstances, often does more harm than good, and becomes a temptation
rather than a help.  We must interfere when confronted by human
suffering and need.  Why not interfere effectively?  Why not do our
best to remove the causes of need?

Many earnest workers in charity feel that social conditions could be
wonderfully improved if, to every family in distress, could {13} be
sent a volunteer visitor, who would seek out and, with patience and
sympathy, strive to remove the causes of need.  Such a visitor must
have the courage and self-control to confine his work to a few
families, for it is impossible to know many well, to understand all
their temptations and difficulties, and so help them effectively.  To
supply every needy family with a friend may seem an impossible ideal,
but if all who are undoing each other's work to-day by doing it twice
over, and if all who now waste their time in unnecessary charities,
were seriously to put themselves in training, and confine their work to
the thorough treatment of a few families, the problem of how to help
the poor would be solved.

The introduction to such work might come in many ways.  It might come
through our natural relations as employers or neighbors or church
members, or it might come through the district office of a charity
organization society, for these societies usually make a specialty of
training volunteers and of establishing friendly relations between
volunteer {14} visitors and needy families.  But come as it may, an
introduction can be made for us, and we need not enter the poor man's
home as an intruder.

Much has been written about the qualifications necessary for charitable
work.  It is possible to exaggerate them.  Those who are unfamiliar
with the homes of the poor are likely to think it unsafe to send young
and inexperienced people into poor neighborhoods.  As a matter of fact,
there are many good people in the poorest neighborhoods, and young
workers are as safe there as anywhere.  In an old note-book I find that
years ago I set down the necessary qualifications of the friendly
visitor to be tact and good-will.  If we consider that tact includes
knowledge, either instinctive or acquired, this may still stand.  We
cannot be tactful with those whose point of view we fail to understand,
or do not even strive to understand.  The best helps toward such an
understanding, and the best training for charitable work, must come
from life itself.  If we take no interest in the joys and sorrows of
human beings, if we show {15} neither judgment nor energy in the
conduct of our own affairs, if life seem to us, on the whole, a flat
and unprofitable affair, then no amount of reading will transform us
into good friendly visitors.  Given the tactful, kindly spirit, with a
dash of energy added, study and experience can teach us how to turn
these to the best account in the service of others.  Our reading must
be supplementary to experience, of course, and can in no wise take the
place of it.

Leaving all further generalization about friendly visiting for the last
chapter, in the following pages my point of departure will be the
organization of the poor man's home rather than the organization of
charity.  The head of the family as citizen, employee, husband, and
father; the wife as homemaker; the children; the family health and
recreations; the principles involved in spending and saving; the
principles of effectual relief; the relations of the church to the
poor,--these will be considered in turn.  Necessarily, in a book of
this size, the attempt must be to suggest lines of inquiry and points
of view, {16} rather than to treat adequately any one part of the

Collateral Readings: "Individuality in the Work of Charity," George B.
Buzelle in Proceedings of Thirteenth National Conference of Charities,
pp. 185 _sq_.  "Scientific Charity," Mrs. Glendower Evans in
Proceedings of Sixteenth National Conference of Charities, pp. 24 _sq_.
Chapters on "Scientific Charity" in "Problems of American Society," J.
H. Crooker.  Papers on Social Settlements in Proceedings of
Twenty-third National Conference of Charities, pp. 106 _sq_.  "The
Causes of Poverty," F. A. Walker in "Century," Vol. LV, pp. 210 _sq_.
"The Jukes," Richard Dugdale.  "Tribe of Ishmael," Oscar McCulloch in
Proceedings of Fifteenth National Conference of Charities, pp. 154
_sq_.  "The Rooney Family," see Charles Booth's "Life and Labor of the
People," Vol. VIII, pp. 317 _sq_.  "Life in New York Tenement Houses,"
William T. Elsing in "Scribner's," Vol. XI, pp. 677 _sq_.  "An
Experiment in Altruism," Miss Margaret Sherwood.




A conference was held in one of our large cities lately of half a dozen
church and charity workers, who had been called together to make some
plan or agree upon some common principle in dealing with a certain
family, to whom charitable relief had been given in an aimless way for
many years with no good result.  Three churches were represented, and
the persons present had visited and relieved the family for periods
ranging from three to ten years.  Almost immediately, however, the fact
was brought out at the conference that not one of these visitors had
ever seen the man of the family, or had ever made any effort to see
him.  By way of excuse one visitor said she had always understood that
the man was very good-for-nothing.  But happily there is no better
dispeller of mental {18} fog than a friendly conference of those who
are in earnest, and it did not take long to convince these conferees
that the man's good-for-nothingness was, in part at least, their own
fault.  I shall have occasion to speak more than once, in this book, of
the power of suggestion.  Even here, where these relief visitors had
never given the head of the family a thought, they had taught him a
lesson.  From their whole line of conduct he must have received the
suggestion that his neglect of his family was an affair of no

In turning to the details of family life among the poor, I take the
breadwinner, or the one who ought to be the breadwinner, as my first
consideration for the reason that he is so often ignored altogether by
charity workers.  Especially is this true of church workers.  "A church
worker came to me the other day," writes Mrs. Bosanquet, "about a
family of little children, concerning whom he was greatly distressed.
He had visited them for months, and found the woman honest, striving,
and clean, but _as usually happens_ he knew very little of the man.  He
assured me {19} over and over again that the family was in a pitiable
state of poverty and in urgent need of help; and we at once set to work
to ascertain the real financial position.  Result: man earning 35s.,
giving 20s. to his wife and keeping 15s. for pocket-money.  Obviously,
if charity steps in here, it will not necessarily improve the state of
the wife and children at all; it will merely enable the man to keep a
still larger proportion of his wages for pocket-money." [1]

But, though the charity worker may ignore the man of the family, there
are others who are wiser.  In the first place he is a voter, and the
ward-worker, the policeman, and the saloon-keeper never forget this

An illustration of the policeman's interest in the voter as an
applicant for charity may be found wherever the police are allowed to
become distributors of alms.  In Baltimore the police have been allowed
to distribute relief intrusted to them by private citizens, and have
been in the habit of making public appeals for such contributions to
aid the poor {20} in cold weather.  One policeman, who had a difficult
beat, where there were many toughs and criminals, said that the
distribution of police relief made his work easier, as toughs whose
families had been relieved did not trouble him so much.  It is an
interesting fact that, during the hard times of 1893-94, political
clubs vied with each other the country over in distributing aid.
Leaders of Tammany Hall were shrewd enough to urge their followers to
organize relief distributions in every district of New York.

It is well to realize that much of the political corruption of our
large cities may be traced to the simple fact that the poor man is like
ourselves: he follows the leaders personally known to him, and to whom
he is personally known.  He is sometimes a venal voter, but more often
he is only an ignorant voter, who, while innocently following the man
that has taken the trouble to do him a favor or to be socially
agreeable to him, is handicapping himself and his children with dirty
streets, an unsanitary home, an overcrowded school, an insufficient
water supply, {21} blackmailing officials, and all those other abuses
of city government which press with peculiar hardship upon the poor.
The question of municipal reform is inextricably connected with any
effort to improve the condition of the poor in their homes, and no
charity worker can afford to ignore this connection.

In "Problems of Modern Democracy," Mr. E. L. Godkin says: "Nothing is
more surprising in the attempt to deal with the problems of urban life
than the way in which religious and philanthropic people ignore the
close connection between municipal politics and the various evils about
which they are most concerned.  All the churches occupy themselves, in
a greater or less degree, with the moral condition of the poor.
Charitable associations spend hundreds of thousands every year in
trying to improve their physical condition.  A conference of Protestant
ministers met in this city two years ago to consider the best means of
reviving religious interest among the working classes and inducing a
larger number of them to attend church on Sundays.  Of course these
gentlemen did not {22} seek an increase in the number of church-goers
as an end in itself.  The Protestant churches do not, as the Catholic
church does, ascribe any serious spiritual efficacy to mere bodily
presence at religious worship.  Protestant ministers ask people to go
to church in the hope that the words which they will hear with their
outward ears may be so grafted inwardly in their hearts that they may
bring forth the fruit of good living.  What was remarkable in the
debates of this conference, therefore, was the absence of any mention
of the very successful rivalry with religion which, as an influence on
the poor and ignorant foreign population, politics in this city carries
on.  The same thing may be said, _mutatis mutandis_, of the charitable
associations.  No one would get from their speeches or reports an
inkling of the solemn fact that the newly arrived immigrant who settles
in New York gets tenfold more of his notions of American right and
wrong from city politics than he gets from the city missionaries, or
the schools, or the mission chapels; and yet such is the case.  I
believe it is quite within the truth to {23} say that, as a moral
influence on the poor and ignorant, the clergyman and philanthropist
are hopelessly distanced by the politician." [2]

It has been said that, in the effort to establish friendly relations
with a poor man, often the greatest lack is a common topic.  Here is at
least one topic that rich and poor have in common.  Here it will be
found too that they have many grievances in common, and what makes a
better beginning for a friendly relation than a common grievance?
Another common topic, and a related one, is the news of the day.  More
often than not, even the very poor read the daily papers.

Beside the ward politician, the saloon-keeper, and the policeman, there
are others who take an interest in the breadwinner.  If he is injured,
or his property is injured, there are third-rate lawyers ready to bring
suit for half the proceeds--an unduly expensive arrangement for the man
that has a good claim.  If he would save, there are agents of unsound
financial schemes ready to take advantage of his ignorance.  If he
would borrow, there are {24} chattel-mortgage sharks ready to burden
him with a debt at ruinous interest.  If he would buy, there are
instalment dealers ready to tempt him into buying more than he can
afford, and ready to charge two prices for their wares.  Whole
industries are created to take advantage of his lack of shrewdness, and
every effort of his to get on, to get out of the old groove, is
resisted by such agencies.  Surely, if any one stands in need of a
friend, who will patiently strive to see the world through his eyes,
and yet will have the courage to tell him the plain truth, it is the

But that picture would be a distorted one which represented the poor
man as friendless save for the politicians.  His neighbors and
companions are in no position to protect him from the foes I have
mentioned, but their neighborliness is none the less genuine.  Most
patient and long-suffering of neighbors are the small landlords who
sublet.  The tradesmen in poor neighborhoods are also heavy losers.
When a family applies for the first time to a church or charity, it
often means that they have been aided most generously for a long {25}
time by neighbors and small dealers.  Sometimes one happens upon the
very best and most thoughtful charity given in this way.  A Boston
worker tells of a street-car conductor, not only supported through the
winter by his fellow-conductors, but faithfully nursed by them at
night, each one taking turns after the long day's work.  Such glimpses
as this show us how queer is our usual charitable perspective, in
which, as in a picture on a Chinese fan, we see the church steeple in
the middle distance and the church visitor looming large in the
foreground, while the poor little object of charity, quite helpless and
alone save for us, huddles in a corner.  The fact is that every life
has a background, if we will but take the trouble to see and understand
it: all the barrenness is in our own imaginations.

When the poor man attempts to be charitable without knowledge, he is
just as clumsy as the rest of us.  Writing of "The Attitude of
Workingmen toward Modern Charity," Miss Clare de Graffenreid says: "A
notable instance of reckless giving came under my observation just
after the great strike in the mining regions, {26} when a man who had
lost both arms went begging in Georges Creek Valley.  How he was
maimed, whether he was worthy, proved immaterial.  Nor does it appear
that he was even a miner; but he asked alms at all the mines.  Now the
miners had had no money since they were paid off for April, the strike
having begun on the 7th of May and having lasted until the 1st of July,
while some workers were unable to secure employment until later.  After
two months and more of idleness the men had either used their savings
to live on or were deeply in debt, or both.  They could hope for no
money until their July labor was paid for in August.  In the latter
part of July came this armless stranger, who personally solicited these
big-hearted coal diggers, and received, without investigation on their
part, written subscriptions for various amounts, to be withheld next
pay-day from their wages.  From the mines of one company alone the man
presented to the paymaster orders amounting to three hundred dollars;
and the superintendent believes that this one beggar during a short
stay in the Valley obtained fully a {27} thousand dollars, if not more.
Nor did the enterprising mendicant trouble himself to remain to collect
these sums in person.  He gave a Chicago address to which checks for
the total amounts subscribed in each mine were sent; and he went away
to 'work' some other field." [3]

These facts stand side by side.  The poor man is often able to do the
very best charitable work, acting, with a full knowledge of the
circumstances, with quick sympathy, and entire unselfishness.  On the
other hand, when considerations of public welfare, or conditions
outside his personal experience complicate the situation, his charity
is sometimes reckless and harmful.

Another fact to bear in mind is that the ties of neighborliness and
mutual dependence among the poor can be weakened by a charity that
leaves such natural and healthful relations out of account.  The poor
in rich neighborhoods, or in neighborhoods where alms are lavishly
given, are less kind to each other, and the whole tone of a
neighborhood can be lowered, {28} mistrust and jealousy being
substituted for neighborly helpfulness, by undiscriminating doles from
those whose kindly but condescending attitude has quite blinded them to
the everyday facts of the neighborhood life.  There are some who think
it a pity that, out of their slender store, the poor should give to the
still poorer; they feel that the rich should relieve the poor of this
burden.  But relief given without reference to friends and neighbors is
accompanied by moral loss; poor neighborhoods are doomed to grow poorer
and more sordid, whenever the natural ties of neighborliness are
weakened by our well-meant but unintelligent interference.

Turning to the breadwinner as an employee, we are confronted with the
gravest questions now occupying public attention: with the organization
of labor, the strike, the lockout, the rights of capital, the problem
of the unemployed, and of the unskilled laborer.  The truth about these
matters, even if one were so fortunate as to possess the truth about
them, is not to be stated in a paragraph or a chapter.  {29} Only in so
far as they directly concern the friendly visitor to the families of
the least fortunate class of workers, can questions of employment be
even mentioned in these pages.  The more the visitor studies and thinks
of them, however, the better friend he can be to the poor.  Partly
because they are difficult, and partly because our prejudices are
involved, the charitable are too prone to dodge economic issues.

We should ask ourselves fearlessly the object of all our charitable
work.  As Mrs. Bosanquet says: "We need to be quite sure that we really
_want_ to cure poverty, to do away with it root and branch.  Unless we
are working with a whole-hearted and genuine desire toward this end, we
shall get little satisfaction from our efforts; but those who share
unreservedly in this desire are comparatively few at present.  Only the
other day I heard it said that it was a very doubtful policy to aim at
curing poverty, for that in the absence of poverty the rich would have
no one upon whom to exercise their faculty of benevolence; and I
believe that this was but an outspoken {30} expression of a feeling
which is still very prevalent, the feeling that there is something
preordained and right in the social dependence of one class upon
another.  There is the lurking fear, also, that if the working classes
get too independent the rich man may suffer for it.  'It won't do,'
said one wise lady, 'to make them too independent; they go and join
trade-unions, and a friend of mine lost quite a lot of money because
his workmen joined a trade-union.'  This is quite in the vein of the
old Quarterly Reviewer, who summed up the current objections to the
Owenite schemes of coöperation as 'the fear that the working classes
might become so independent that the unworking classes would not have
sufficient control over them, and would be ultimately obliged to work
for themselves.'" [4]

The ability of the friendly visitor to put behind him his own personal
prejudices and selfish interests, and look at all questions of
employment with reference to the best interests of the workers, is of
the first importance.  Such questions are often very complicated.  {31}
An inquiry was sent out in 1896 to the charity organization societies
of the country, asking whether these societies approved of supplying
workers to take the place of striking employees.  The answers, as
reported in the proceedings of the Twenty-third National Conference of
Charities,[5] seem to take it for granted that either all strikes are
equally justifiable or else equally unjustifiable; the fact being, of
course, that some strikes are entirely justifiable, that others are
quite the reverse, and that still others, which are justifiable at one
stage, become unjustifiable at another stage, where the ground of
contention has been shifted.

It is about such complicated relations as these that we must inform
ourselves when we dare to interfere, and charitable societies cannot
afford to adopt any patent formula with regard to them; they must be
courageous enough and intelligent enough to bear their part in the
solution of industrial questions.  The individual friendly visitor may
be called upon at any time to advise an unemployed {32} workman whose
only immediate chance of work is in replacing a striker.  His family
may be destitute, and their troubles may press heavily upon the
visitor, who sees in the offered work an easy solution of their
difficulties.  But the visitor's duty toward the family does not end
with their material needs, and, unless the man who replaces the striker
is sure that the strike deserves to fail, he will have done an unmanly
thing in betraying his natural allies.  All question of the right of
individual contract aside, he will have injured himself, he will be a
meaner man and a less worthy head of a family.  Charity cannot afford
to ignore this possible result for any temporary and material
advantage.  Nor will it be enough for the friendly visitor to believe
that the particular strike is an unjustifiable one; the man himself
must believe it.

Other things being equal, a man is stronger and steadier for having a
trade that is well organized, one that has its trade code of ethics.
It is safe to say, therefore, that a visitor is justified in advising
non-union men to join trade-unions, and that he is not {33} committing
himself to an endorsement of every act of every trade-union in so doing.

But applicants for charity are not usually skilled workmen, and most of
the work of the friendly visitor will be with those whose occupations
are still unorganized, with porters, day-laborers, stevedores, etc.  In
spite of many assertions to the contrary, it would seem that, in
ordinary times, there is still work somewhere for those who have the
will and the skill to do it.  The charity worker has discouragements
enough without allowing himself to be demoralized by the wild talk
about millions of skilled workers out of work.  During times of panic,
even, the number of the unemployed is often grossly exaggerated.[6]

The fact which most directly concerns us is that a large majority of
those who are thrown upon charity through lack of employment are either
incapable or are unfit for service through bad habits, bad temper, lack
of references, ignorance of English, or through some physical defect.
Experience has proven that a certain proportion of these can be {34}
reinstated in the labor market if we are careful (1) not to make it too
easy for them to live without work, (2) if we will use every personal
endeavor to fit them for some kind of work, and (3) help them to find
and keep the work for which they are fitted.  "Character is not cut in
marble; it is not something solid and unalterable.  It is something
living and changing, and may become diseased as our bodies do." [7]
Like our bodies, too, it may be made whole again by skilful treatment.

Those who are simply incapable, without bad habits or other defects,
are often the victims of their parents' necessities or greed: they were
put to work too early, and at work where there was no chance of
education or promotion.  Sometimes they have been wilfully careless and
lazy, but, more often, the fault was either with the parents or with an
economic condition that denied them proper training.  Of all this we
shall hear in connection with the children, but our present concern is
with the breadwinner.  The man who "does not know how" is the football
of {35} industry; employed in work requiring nothing but muscle,
promptly discharged because easily replaced, he drifts from job to job,
and, at certain seasons of the year, being unable to adapt himself or
easily change from one kind of work to another, he is almost certain to
be unemployed.

Miss Octavia Hill calls attention to this in "Homes of the London
Poor." [8]  "The fluctuations of work cause to respectable tenants the
main difficulties in paying their rent.  I have tried to help them in
two ways.  First, by inducing them to save; this they have done
steadily, and each autumn has found them with a small fund accumulated,
which has enabled them to meet the difficulties of the time when
families are out of town.  In the second place, I have done what I
could to employ my tenants in slack seasons.  I carefully set aside any
work they can do for times of scarcity, and I try so to equalize in
this small circle the irregularity of work, which must be more or less
pernicious, and which the childishness of the poor makes doubly so.
They have {36} strangely little power of looking forward; a result is
to them as nothing if it will not be perceptible until next quarter!"

This plan of equalizing work by saving our odd jobs for dull seasons is
one way of helping.  Another is to seek lists of unskilled and seasonal
occupations that do not overlap.  Some work is naturally winter work,
and some naturally belongs to the summer season.  The ice companies in
Baltimore employ their workers in winter by combining the coal business
with the ice business, and, on this principle, a list could be drawn up
for each community of occupations that do not overlap.  No list can be
given here, because the conditions of work vary in different parts of
the country.

When we furnish work ourselves we must be careful not to confound the
employer with the friend.  "A visitor was interested in a woman who
needed work very much, and herself employed her," writes the secretary
of the Boston Associated Charities, Miss Z. D. Smith.  "Once or twice
it happened that the woman had to go to court in the morning, and came
at ten instead of eight, or again the visitor {37} let her off early,
but she always paid her for the whole day.  The visitor was advised
that in the long run it was unwise not to pay her by the hour, as was
the custom, but she was not convinced until, having got work for her
among her neighbors, they complained that she came at ten instead of
eight, and expected pay for the whole day, and they would not employ
her longer.  The relief the visitor gave, disguised as pay, defeated
her efforts to help the woman to self-support." [9]

Bad habits as a cause of unemployment will be considered in the next
chapter.  As to the man who loses his work through bad temper, it is
well to bear in mind that there are many degrees of badness of temper,
and the bad temper that comes from worry or ill health must be
carefully distinguished from innate ugliness.  Lack of references,
another cause of unemployment, does not always mean a bad record.
Unskilled workers are often personally unknown to their employers, and
the knowledge that a visitor can acquire by testing a worker may become
a great help to him.  When a {38} man has some physical defect, such as
an impediment in his speech, or a crippled arm, only one who takes a
personal interest in him can overcome the prejudice created by his
defect.  Often such people have qualities that would recommend them,
but they are awkward in pleading their own cause or in finding their
right niche.

The following illustrations of timely help in finding employment are
taken from the Twenty-eighth Report of the Charity Organization Society
of London.[10]  "One was a quiet, honest young fellow, a gardener, who
had lately come out of a lunatic asylum, his insanity being due, it
appeared, to ear trouble, involving a painful operation.  He had been
some months in the asylum, and on coming out was at some loss to obtain
regular employment.  The Committee, having thoroughly investigated the
case and satisfied themselves of the safety of recommending the young
man, issued a circular to gardeners and nurserymen, which got him a job
within a week.  The other man had been noticed in the infirmary--a big,
strong fellow, {39} most of his life a seaman, and part of it on board
an American man-of-war, till he met with an accident resulting in the
loss of one of his legs.  Then he had to come ashore, and a restless,
roving disposition led him to tramp about the country, and brought him
on one occasion before a London police magistrate for attempting to
commit suicide.  Inquiry showed that the man could work hard, and,
strange to say of a man over six feet high and broad in proportion, was
handy with his needle at embroidery, etc.  The Committee kept him a few
nights at a common lodging-house--for he was homeless since leaving the
infirmary--and then by great good fortune got him work at a tent and
sail maker's, where now, some half a year later, he is earning his 3s.
6d. a day.  It is to be noted that neither of these men was
able-bodied.  The Society _does not_ try to find work for ordinary,
able-bodied men."

Ignorance of English has been given as another cause of lack of
employment, but this is not irremovable.  "After many days' searching,
work was found for Mr. H. and his son, whose ignorance of our language
was so entire {40} that they failed to get employment, and were in
despair.  At the earnest request of the visitor, a furniture dealer
consented to take them on trial; and they proved so satisfactory that
they have now been employed a year, and their pay increased." [11]

A few cautions are necessary.  The charities of a large city often
attract from the country those for whom there is no economic place.
Our immigration laws have allowed many to come to America for whom
there is no place, and charity has kept them alive here, knowing the
while that they are forcing down the standard of living among our poor,
and complicating the problem incalculably at every turn.  But, as
concerns interstate emigration, and the migration from country to city,
charity should not be so helpless.  It is within our power to refuse,
by charitable aid, to settle the man who cannot settle himself in a
community where he does not belong.  It is often doing other workers a
wrong to establish him and find work for him where he has no claim.
The attractions of a large city are great enough without adding {41}
any such artificial help to overcrowding.  Our effort, on the contrary,
should be to get back into country life those families that are found
to be really fitted for it.  Advertise in country papers, interest
friends in the country in finding places for families, and do not fail
to keep up communication either by letter or occasional visits with
families so placed.[12]

One more caution.  It helps a man to know that some one cares and will
help him to find work; but it cripples him to let him feel that he can
sit idle and let his friend do all the searching and worrying.  "Send a
man to find work, and go with him to a special place; but never go from
place to place seeking it for him."  Develop his resources, show an
interest in all his efforts, and encourage him to renewed effort.

It has been claimed that only men and men of business experience can be
successful friendly visitors where the head of the family is concerned;
that, in matters of employment especially, a woman visitor is not
capable of giving sound advice.  It is undoubtedly true {42} that such
work could be better done if more men, instead of contenting themselves
with service on charitable boards, would take the trouble to become
personally acquainted with a few poor families.  This would be better
for the boards and better for the men that are charitable trustees.
But the woman visitor need not despair.  It is true that she could do
her work better, as will appear in this book, if she were in her own
person a lawyer, a sanitary engineer, a trained cook, a kindergartner,
and an expert financier; but she may be none of these things and still
be a very good friendly visitor.  When legal complications arise, she
will go to some friend who is a lawyer; when the children get into
trouble, she will consult a teacher, or an agent of the children's aid
society, and, in the same way, the matter of employment will send her
to a business man, or some one who can advise her, when her own store
of experience is too scant.  The poor man often has a mean opinion of
the judgment of "charitable ladies," and this opinion has not always
been without a degree of justification; but the visitor who {43} takes
the trouble to go on Sunday and get acquainted with the men folk, or
makes occasion for them to come to her house from time to time, who
proves herself, moreover, not without resource or common sense as
emergencies arise, will soon overcome this prejudice and become the
friend of every member of the family.

Collateral Readings: "The Settlement and Municipal Reform," James B.
Reynolds in Proceedings of Twenty-third National Conference of
Charities, pp. 138 _sq_.  "Benevolent Features of Trades-Unions," John
D. Flannigan in the same, pp. 154 _sq_.  "The Ethical Basis of
Municipal Corruption," Miss Jane Addams in "International Journal of
Ethics," for April, 1898.  "The Workers," Walter A. Wyckoff.  "Working
People and their Employers," Washington Gladden.  "Problem of the
Unemployed," Hobson.  "The Unemployed," Geoffrey Drage.  "Korbey's
Fortune," William T. Elsing in "Scribner's," Vol. XVI, pp. 590 _sq_.

[1] "Rich and Poor," p. 211.

[2] pp. 141 _sq_.

[3] "Charities Record," Baltimore, Vol. I, No. 6.

[4] "Rich and Poor," pp. 138 _sq_.

[5] pp. 242 _sq_.

[6] See Warner's "American Charities," pp. 177 _sq_.

[7] George Eliot in "Daniel Deronda."

[8] pp. 22 _sq_.

[9] "Charities Review," Vol. II, p. 54.

[10] p. 11.

[11] Thirteenth Report of Boston Associated Charities, p. 42.

[12] See "Charities Review," Vol. VI, pp. 402 _sq_.




We have considered the breadwinner as worker, neighbor, and citizen; we
now turn to the breadwinner as husband and father.  It has been said
that the home is not only the true unit of society, but that it is the
charitable unit as well, and that when we deal with anything less than
a whole family, we deal with fractions.  Much of our charitable work is
still fractional.  It not infrequently happens, for instance, that the
members of one poor family will come in contact with dozens of
charitable people representing many forms of charitable activity, and
that none of these will ever have considered the family as a whole.
The Sunday-school teacher, the kindergartner, the day nursery manager,
the fresh air charity agent, the district nurse, the obstetric nurse,
the church almoner, the {45} city missionary, the relief agent, the
head of the mothers' meeting, the guild teacher, the manager of the
boys' brigade or girls' friendly,--all these will have touched the
family at some point, but will never have taken the trouble to make a
picture of the family life as a whole, and of the effect of their
charity upon it.  They may have assumed important responsibilities now
and again, home responsibilities that belonged primarily to members of
the family, and helped to hold the family together; but the chances are
that they will none of them have worked continuously or thoroughly
enough to learn from their blunders or to repair their mistakes.

I have mentioned home responsibilities.  Let us consider, for a moment,
what these are.  They have an old-fashioned and conservative sound, but
the fundamental facts of life are old-fashioned.  The man is still the
head of the normal family, and, as the head, still owes his best
endeavor to secure for the other members of the family the means of
subsistence.  The wife's part in the family is to transform the means
provided into a home.  The children, {46} for their part, should be
teachable and obedient; and, as their own strength waxes and their
parents' wanes, they should stand ready to provide for father and
mother both the means of subsistence and the home environment.  These
are the prosaic but fundamental elements of home life, and, when they
are lacking, neither the marriage ceremony, nor the sanctions of law
and custom, can prevent the home from becoming a sham home, a breeding
place of sin and social disorder.

It is my misfortune that, in attempting to meet the needs of those who
visit the poor, I must dwell more upon the difficulties than upon the
encouragements of such work.  There are many poor homes where every
essential element of home life exists.  The home may be of the humblest
sort,--it may be in one room,--but, to the best of his ability, the man
is struggling to provide for his family; the woman is striving to make
the little shelter homelike; and the children are learning that, out of
the simplest elements, a certain measure of peace, orderliness and
growth may be won.  The home relation is right, and, though sickness,
{47} industrial depression, accident, or some other of the misfortunes
that assail us from without may have made charitable relief necessary
for a long time, the elements of successful charitable aid are there,
because the home life _works_ with the visitor to win back health and

There is a deep satisfaction in protecting such families from the
careless, patronizing charity of the thoughtless almsgiver, whose
unsteady hand would give them a feast to-day and a famine to-morrow.
There is deep satisfaction in coöperating with such families to conquer
difficulties.  There is a deeper satisfaction, however, in turning a
sham home into a real one; in teaching the slatternly, irresponsible
mother the pleasure of a cleanly, well-ordered home; in helping a man
who has lost his sense of responsibility toward wife and children to
regain it.  Even at the risk of drawing a too gloomy picture, I dwell
in this chapter, therefore, upon the husband and father who is either
lazy or drunken or both.

The married vagabond has many {48} characteristics of the single
vagabond or tramp, though he is usually less enterprising.  His is a
type peculiar to our large cities, where political, industrial, and
charitable  conditions have helped to make him what he is.  There is a
sense in which he is not responsible for his faults; but there is a
sense in which we are none of us responsible for ours, and when we are
once permanently committed to this view of ourselves, there is no
health in us.  To treat the married vagabond as not responsible, is
only to increase his irresponsibility.

"One man I know who has done hardly a stroke of work for years," says
Mrs. Bosanquet; "during his wife's periodical confinements he goes off
on the tramp, leaving her to take her chance of charity coming to the
rescue, and returns when she can get to work again.  I have known
fathers who would send their hungry children to beg food from their
neighbors, and then take it to eat themselves; and one I have known who
would stop his children in the street and take their shoes from their
feet to pawn for drink.  The negative attitude of a man to his own
family is {49} an impossible one; if responsibility disappears, it will
be replaced by brutality." [1]

And again, from the same book: "Take a case which is constantly
recurring.  A man has let himself drift into bad ways: he neglects his
work, spends his money for drink, cares less and less about his family;
the children become more and more neglected and starved.  At last some
charitable agency steps in.  'The man is hopeless,' it says, 'there is
no question of relieving him of responsibility, for he has already lost
all sense of that, and matters cannot be made worse by our
interference.  The children must not be allowed to suffer for their
father's sins; we will feed and clothe and educate them, and so give
them a chance of doing better than their parents.'  All very well, if
this were the only family; and we should all rush joyfully to the work
of rescuing the little ones.  But next door on either side are men with
the same downward path so easy before them, and to a large extent
restrained from entering upon it by the thought, 'What will become of
the children?'  This restraining {50} influence will break down much
more rapidly for the knowledge that Smith's children are better cared
for since he gave up the battle, and so the mischief spreads down the
street like an epidemic." [2]

The method to be followed in dealing with the family of the married
vagabond must depend upon circumstances, but it will usually be
necessary to let him find out what the charitable community expects of
him, and this he will hardly do unless the charitable withhold all aid
except in the form of work.  A visitor will not succeed in bringing
this about until he has taken the trouble to find out what sources of
relief are open to the family, and has persuaded each source to
withhold relief.  Visitors often hesitate to urge this radical measure,
fearing that it will bring suffering upon the wife and children; but
the plain fact is that the family of a lazy man must suffer, that no
amount of material relief can prevent their suffering.

On this disputed point I venture to quote what I have written
elsewhere: "Let us {51} consider the chances that a married vagabond's
children have of escaping suffering in a large city. . . .  They are
born into a world where the father is inconsiderate and abusive of the
mother; where cleanliness, fresh air, and good food are not assured to
them; where all the economic laws of the civilized world seem
topsy-turvy; where things sometimes come miraculously, without any
return for them in labor, and where they sometimes do not come at all.
They are born, moreover, with diseased bodies, often with the taint of
alcoholism in their veins; too often with some other inherited malady,
such as epilepsy or unsound mind, as a direct result of parental
excesses.  How can we say that we 'do not let children suffer,' so long
as alms keeps together thousands of these so-called homes in our large
cities, and, worst of all, so long as into these homes thousands of
helpless, unfortunate babies are born every year?  If I were one of
these same little ones, and could see what the charitable people were
about, I should feel inclined to say: 'Ladies and gentlemen, you have
supplied the doctor, and the nurse, {52} and the fuel, and the sick
diet; doubtless you mean it kindly, but I have been assisted into a
world where you don't intend to give me a fair chance.  You know that
my father won't work for me, that my mother has no time to care for me,
and that my brothers and sisters must fare worse than ever, now that
there's one more mouth to feed.  Moreover, my nerves are none of the
strongest, and my body none of the stoutest.  Unless you intend to do a
great deal more for me, I'm sorry you didn't do less.  Frankly, I don't
thank you.'" [3]

Often when a man finds that charitable people are quite in earnest,
that they really intend to place upon his shoulders the responsibility
of his own family, he will bestir himself and go to work.  He is not
likely to stay and let his family starve.  In fact, I have often found
that the withholding of relief from the family of the married vagabond
has the immediate effect of improving the material condition of the
family--the man has either found work or left home.  This method of
being charitable requires courage, but if {53} people would only see
how wretchedness is perpetuated by the temporizing method, it would
require courage to give small doles.

In many states there are laws for the punishment of the man that will
not support his family.  Some of these enactments are of very little
use, but several of the New England states have effective laws.[4]
When a complete cutting off of charitable supplies fails to bring a man
to some sense of his duty, the visitor should try to have him punished
by the courts.  The evidence of one who has faithfully visited a family
for a long time is very valuable in such cases, though conviction is
often difficult to secure for lack of the wife's testimony.  If the
married vagabond that has been punished is still incurably lazy and
irresponsible, the visitor should not allow his desire to reform the
man to stand in the way of the best interests of the children, born and
unborn.  The wife's duty to her husband is a very sacred one, But so is
her duty to her children.  When {54} all other measures fail, the home
should be broken up.

Only those who have had wide charitable experience will be likely to
consider this separation of man and wife justifiable.  Says Mrs.
Josephine Shaw Lowell: "I have not the slightest doubt that it is a
_wrong_; and a great wrong, to give help to the family of a drunkard or
an immoral man who will not support them.  Unless the woman will remove
her children from his influence, it should be understood that no public
or private charity, and no charitable individual, has the right to help
perpetuate and maintain such families as are brought forth by drunkards
and vicious men and women." [5]

It is unnecessary to say that the advocates of separation as a last
resort do not approve of divorce, which would only multiply sham homes.
They recognize in certain cases "the sad fact of incurability," and are
prepared to take courageous measures in order that the innocent may not
suffer with the guilty.[6]


The following history of a Baltimore married vagabond will illustrate
the need of separation in certain cases: Several years ago the
Baltimore Charity Organization Society made the acquaintance of the
family of a good-looking German shoemaker, who had married a plain,
hard-working woman some years his senior.  Soon after their marriage he
began to neglect his work, and, depending more and more on his wife's
exertions for his support, he took to drink.  Child-bearing often
incapacitated the wife for work, and church and charitable friends
aided at such times.  When the sixth child was a year old, he deserted
his family for a while, but came back again, after having been in jail
for disorderly conduct.  The Charity Organization Society, seeing no
chance of reforming the man, suggested that his wife leave him, but the
German pastor strongly objected to any separation of man and wife, and
nothing was done.  A discouraging aspect of the situation was that the
man taught his children to deceive the hard-working mother.  When the
seventh baby was born, and charity had supplied a registered nurse,
baby linen, {56} a doctor, fuel, and food, it was discovered that the
man had sold the fuel supplied by the relief society, and had gone on a
spree.  He was a good workman, and could always have work when sober,
but even when at work he neglected to provide properly for his family.
Stung at last into active resistance, his wife had him arrested for
non-support.  While the man awaited trial, the Charity Organization
Society removed his family, found work for the wife where she could
keep three of her children, placed one with a relative, and two others
temporarily in institutions.  When he was released, he had no family to
attract charitable aid, and was thrown, for the first time in many
years, entirely upon his own resources.

Many good people may think that to deprive a man of family ties is to
hasten his downfall; but what downfall could be more complete than the
downfall of the man who not only permits his wife to support him, but
abuses her and his children?  In making this no longer possible we are
sometimes doing the one thing that can be done to save him from {57}
spreading the contagion of his brutality, and so assuming a still
heavier burden of sin.

There are many charitable visitors to whom the very thought of strong
drink is so offensive, to whom everything connected with the saloon
seems so brutal and degraded, that they are unable to make allowance
for national, neighborhood, and family traditions in judging a man's
habits.  It sometimes happens that a whole family are condemned as
"frauds" because they drink beer for dinner, or because the man of the
house has been seen to enter a saloon.  On no subject, perhaps, are
charity workers so divided as on the question of how best to deal with
the drink evil.  Here, if anywhere, fanaticism is excusable, perhaps;
but here, as everywhere, the friendly visitor must be on guard against
personal prejudice and a hasty jumping at conclusions.  "At night all
cats are gray," says the old proverb, and it is only the benighted
social reformer that thinks of all who drink as drunkards, and of all
places where liquor is sold as dens of vice.  The saloon is still the
workingman's {58} club, and, until some satisfactory substitute is
found for it, all our denunciations will fail to banish it.  It is none
the less true that, of all personal habits, the drink habit stands next
to licentiousness as a cause of poverty and degeneration.

"The problem of intemperance meets us in less than half the families
that we know," says the Secretary of the Boston Associated Charities,
"but it is that half which gives us the most concern.  There are many
ways of dealing with the drunkards and with their families, and the
remedy must be separately chosen for each case.  Some of our friends
are impatient with all these partial remedies and will use none of
them, waiting until they can sweep out of the State the alcohol which
seems to them the whole cause of the trouble.  But if it were all taken
away to-morrow, I feel sure we should find this also only a partial
remedy, and that the same want of self-control which makes men and
women drunkards would drive some of them to-morrow to other and perhaps
worse stimulants.  So, while I hope and believe that slowly and
steadily the sentiment of individuals {59} is growing toward total
abstinence, and that in the course of years, generations, perhaps, it
will become the law of the State, I believe in working man to man and
woman to woman in building up and strengthening character as the chief
safeguard against so great an evil." [7]

The first thing, in dealing with an individual case of drunkenness, is
to find out its history.  Is it the cause of poverty and misfortune, or
have poverty and misfortune caused it?  Is there an inherited tendency
to drink, or did the habit originate in some other bad personal habit?
Is bad health the cause?  Has unhealthy or dangerous employment
anything to do with it?  Is bad home cooking one of the causes?  Some
one has said that the best temperance lecturer is the properly filled
dinner-pail.  Worry from lack of work, and the need of some warm
stimulant after exposure, are frequent causes; and they are both
removable with friendly help.  A man who is honestly trying to break
himself of the drink habit {60} deserves all the patience, sympathy,
and resourcefulness at our command.

When a man is sensitive and proud, the visitor can often be most
helpful by simply showing his sympathy.  "A travelling salesman who
became addicted to drink lost a good situation through this habit.  He
had a wife and seven children, all the children being too young to earn
anything.  The wife was very brave and supported the family as long as
she was able.  When the case came to the Charity Organization Society
the rent was in arrears and the landlord threatening.  We sent a
gentleman as our friendly visitor in the case, and after great
persistence and repeated failures he succeeded in keeping the head of
the family sober for a few days.  The man was proud, and much hurt at
having to accept charity, but his family was suffering, and there was
no alternative.  The aid was provided in so delicate a manner that the
man's heart was touched, and he became very grateful to the visitor for
his unflagging and kindly interest.  They spent their evenings together
frequently.  The man began to drink less, at last stopped altogether,
and {61} now has secured permanent work and is doing well." [8]

There is diversity of opinion as to the value of pledges.  It would
seem unwise, however, when a man has broken a pledge, to encourage him
to renew it.  Let him try a promise to himself, and prove that he can
be a man without artificial props.

In more stubborn cases the law must be invoked.  Sometimes it is well
to try several remedies at once, asking the police to threaten arrest,
following this up at once with an invitation to join some temperance
society (preferably one connected with the man's church), and trying at
the same time to substitute some new interest.  Milder measures
failing, it will sometimes be necessary to cut off all supplies of
relief, and, this again failing, to take steps to protect wife and
children from the brutalizing influence of the man by breaking up the

There are many causes of the drink evil, as I have tried to show, but,
after every allowance has been made, the chief cause will often be
found in the selfishness of the human heart.  {62} There are men who do
not care to be cured of drunkenness, who feel no shame for the misery
and degradation brought upon their families.  Here again the "sad fact
of incurability" must be recognized.  It is folly to let such men
discover that, through our charitable interest in their families, we
will either directly or indirectly pay their whiskey bills, or will
assume the burdens that they deliberately shirk.  A Committee on
Intemperance, reporting to the Ward VIII. Conference of the Boston
Associated Charities in 1886, called attention to this aspect of the
question.  "The committee, however, say that, in their opinion, the
question of moral responsibility on the part of the intemperate, and
also, in its degree, on the part of those who, by gifts or other aid,
make intemperance easy, is too much lost sight of; and they believe
that the refusal of all aid to the families of drunkards, outside the
almshouse, unless in exceptional cases, would bring about a better
state of opinion and a juster sense of responsibility.  The committee
add that it will be almost impossible to make kind-hearted people
believe this, since they are more moved {63} by the sight of present
suffering than by the hope of future permanent improvement, to secure
which some measure of present suffering may be necessary." [9]

Collateral Readings: "An Adventure in Philanthropy," Edwin C. Martin in
"Scribner's," Vol. XI, pp. 230 _sq_.  "Charity and Home Making," the
present writer in "Charities Review," Vol. VI, No. 2.  "Married
Vagabonds," the same, in Proceedings of Twenty-second National
Conference of Charities, pp. 514 _sq_.  "Drunkards' Families," Rev. W.
F. Slocum in Proceedings of Fifteenth National Conference of Charities,
pp. 131 _sq_.  "The Social Value of the Saloon," E. C. Moore in
"American Journal of Sociology," Vol. III, No. 1.  "Substitutes for the
Saloon," F. G. Peabody in "Forum" for July, 1896.  "Law and Drink,"
Frederick H. Wines in "Charities Review," Vol. VII, Nos. 3 and 4.

[1] "Rich and Poor," p. 105.

[2] pp. 72 _sq_.

[3] "Charities Review," Vol. VI, pp. 121 _sq_.

[4] See Proceedings of the Twenty-second National Conference of
Charities and Correction, New Haven, 1895, pp. 514 _sq_.

[5] "Public Relief and Private Charity," p. 105.

[6] See on this subject the Proceedings of the Twenty-fourth National
Conference of Charities and Correction at Toronto, 1897, pp. 5 _sq_.

[7] Miss Z. D. Smith in Report of Union Relief Association of
Springfield, Mass., 1887.

[8] "Charities Record," Baltimore, Vol. I, No. 1.

[9] Seventh Report of Boston Associated Charities, p. 39.




The wife brings us to another aspect of the home, though it cannot be
too often repeated that all aspects are so inextricably interwoven that
they must be considered together.  When the wife takes the means
provided, the raw material from which a home is to be made, she engages
in a very complicated form of manufacture, including in its processes
the buying, preparation, and serving of food, the care of the household
possessions, the buying, making, and care of clothing, the training of
children, and many minor departments.  These are only processes,
however, and, unless the maker have an ideal picture in her mind of
what a home should be, neither some nor all of these processes will
make a home.

In dealing with the homemaker, the friendly visitor becomes more
directly a teacher, though {65} it is often necessary that she should
first be a learner.  The agent of a New York charity tells of a
friendly visitor who was consulted by the agent about a family applying
for relief.  They were found to have an income of $20.00 a week.
"Well," said the visitor, "that is very little money on which to raise
a family."  The agent felt that this visitor had not only a great deal
to learn, but a great deal to unlearn.

Not every visitor is skilled in buying and preparing food, or in
arranging a household budget, and the visitor that is skilful in doing
this on one scale of expenditure may be quite ignorant and helpless in
dealing with another and much smaller scale.  One who is really in
earnest, however, in the desire to help another, will never give up
because there are difficulties to overcome.  The visitor may not know,
but as compared with the homemaker in a poor family, has far more time
and a greater facility, perhaps, in learning.  The visitor's best
teachers are friends that have had experience, and the poor themselves.
One can learn a great deal from the more frugal and industrious of the
very poor, and these are proud to explain {66} their small economies,
when our reasons for wishing to learn are made clear to them.

Lacking these teachers, there are books, though books have the
disadvantage of never meeting the needs of any one locality.
Variations of climate, custom, and the local markets make specific
suggestions about buying difficult.  For this reason I shall not
attempt to go into detail, but suggest that, as our relations with our
poor friends should be as natural as possible, when we do not know
anything, it is always best to frankly say so, and then think out with
them some way of learning.  For instance, it would be natural enough
for a visitor to say to the homemaker: "We both feel that there is a
lot to learn about the best way of buying and preparing food.  I have
an acquaintance that has made a study of the subject, and, with your
permission, I am going to bring her here, to give us both some

Scientific dietaries have been prepared with a view to teaching the
poor to use nutritious and economical foods.  Professor J. J. Atwater,
Edward Atkinson, Mrs. Juliet Corson, and Mrs. Mary Hinman Abel are
authorities on this {67} subject.  The Bureau of Associated Charities,
Orange, N. J., publishes a leaflet on foods, prepared by Mrs. S. E.
Tenney of Brooklyn.  Taking Orange prices, a dietary is given for a
family of six (man, wife, and four children), at a cost of $3.31 per
week.  In urging changes in diet upon poor families, it is first
necessary to become well acquainted with the families, and, even then,
to introduce any innovations slowly, one thing at a time.  A friendly
visitor in Baltimore has tried the plan of meeting her friends in
market, and pointing out to them the best cuts of meat, the best place
to buy vegetables, etc.  But her greatest success in introducing new
dishes has been through the children.  She has been wise enough to
secure the coöperation of her cook, and, by inviting the children into
her own kitchen on Saturday mornings, has taught them the best way to
prepare simple dishes.  She finds that scientific dietaries too often
ignore the tastes and prejudices of the poor.  It is best to begin by
teaching them to prepare well the things that they like.  If they are
devoted to strong tea, for instance, we can teach them first of all
that it should not boil on the stove all day.


When we are dealing with questions of taste, whether in manners, diet,
clothing, or household decoration, we cannot afford to take the
attitude of the Rev. Mr. Honeythunder, "Come up and be blessed, or I'll
knock you down!"  We may find a preference for cheap finery very
exasperating, but our own example is far more likely to be followed in
the long run if we do not insist upon it too much at first.  Begin by
teaching the homemaker to mend and keep the clothing in good order, and
give her some of your own experience as to which materials wear the

One of the important items of expenditure is fuel, and the first thing
to find out under this head is whether kerosene or any other
inflammable fluid is ever used to start the fire.  Experienced
housekeepers say that it is good economy to have stoves with small
gratings and then buy a good grade of pea coal, which, if carefully
used, is cheaper and quite as economical as more expensive grades.  The
poor often prefer expensive, free-burning coals because they are little
trouble.  A practical engineer says that, in burning pea coal, the fire
must be {69} kept clean, not by violent shaking, but by a straight
poker used on the bottom of the fire only.  Remove clinkers through the
top.  Add coal in small quantities, and, when not using the fire, give
it a good cleaning at the bottom, spread enough coal to make about
three inches of fuel in all, put on the draught until kindled, add four
inches of fresh coal, allowing the draught to remain on until the gas
is burned off, then shut the bottom draughts, take the lids half-way
off, and open the top slide, if the stove has one.

In many of the homes into which visitors go, cleanliness seems the
greatest lack.  Sometimes the mother has lost heart; sometimes she has
never known what cleanliness was.  Tact is necessary here to avoid
hurting the feelings of our poor friends, though some are far more
sensitive than others.  The Boston woman whose visitor sent soap,
scrubbing brushes, mop, and pail, with the message that she was coming
on the morrow to use them, took this very broad hint and made the home
tidy for the first time in many months, but it is unnecessary to say
that all poor people {70} could not be dealt with in this way.  One
visitor went, when she knew the mother would be absent, and helped the
children to clean the house.  Another found that, if the family knew
she was coming, the home was set in order; so she was careful for a
time to come at stated intervals, then tried irregular visits, and was
finally rewarded by finding the home presentable at all times.

"Mr. William D. Howells, who during his recent residence in Boston gave
much of his valuable time as a visitor for the Associated Charities,
was amused one day to be told, on knocking at the door of a house where
he had studiously endeavored to inspire a sense of cleanliness, that he
could not come in, as the floor had just been washed and he might soil
it again." [1]

Housecleaning seasons are not always observed in poor homes.  The
visitor can call attention to the value of whitewash as a cleaning
agent, and if once taught to do it, the children take pleasure in
putting it on.


It is not merely as the adviser about household matters that the
visitor can be helpful to the homemaker.  Many women in poor
neighborhoods lead starved, sordid lives, and long for genuine
friendliness and sympathy.  A friend who would be helpful to them must
exercise the same self-restraint that our own friends exercise with us.
The friends who encourage us to exaggerate our troubles and
difficulties are not our best friends: theirs is a friendship that
tends to weaken our moral fibre.  But the sympathy that the poor need
and all of us need is the sympathy that makes us feel stronger, the
sympathy that is farthest removed from sentimentality.  We should be
willing to listen patiently to the homemaker's troubles, and should
strive to see the world from her point of view, but at the same time we
should help her to take a cheerful and courageous tone.  One unfailing
help, when our poor friends dwell too much upon their own troubles, is
to tell them ours.  Here, too, indirect suggestion is powerful.  The
wife, in her attitude toward husband and children, will unconsciously
imitate our own attitude {72} toward them.  As Miss Jane Addams says,
if the visitor kisses the baby and makes much of it, the mother will do
the same.  A Baltimore visitor has cured one tired woman of scolding
her husband in season and out of season by diverting her attention to
other things, and by seeking her coöperation in plans for improving the
man's habits.

A New York visitor tells of a woman living in a two-room tenement who
is regarded as a marvel by her husband's friends because she makes a
point of having a specially good meal one night in the week, and it is
understood that her husband can bring his friends home to supper on
that night without giving her warning.  The home is very humble, but
she has learned the wisdom of making it a real home for her husband,
and one that he can be proud of.

So far, I have ignored the fact that, in the poor home, the woman is
often the breadwinner as well as the homemaker.  I wish it were
possible to ignore the further fact that charitable visitors, finding
it difficult to get work for the man or finding him disinclined {73} to
take it, will bestir themselves to get work for the woman instead.  One
of the few rules which it is safe to follow blindly is the rule that we
should not encourage any woman to become the breadwinner who has an
able-bodied, unemployed man in the house.  "Only harm can result," says
Mrs. Lowell, "if efforts are made to induce the woman to leave her home
daily for work."

Where the breadwinner is disabled, or the woman is a deserted wife or
widow, work is, of course, necessary.  We must distinguish, however,
between the deserted wife and the wife whose husband chronically
deserts her, until her condition attracts the charitable help that he
returns to share.  Widows with children belong to a class with which
charity has dealt too harshly in the past.  When the woman is incapable
of supporting all her children, and this is usually the case, charity
has either allowed her family to depend upon insufficient doles and so
drift into beggary, or else has put all the children in orphanages.  If
the mother is a good mother, capable with help of rearing her children
to independence and {74} self-support, this latter is not only a cruel
but a wasteful method.  As charity becomes more discriminating and
resourceful, it will be possible to organize pensions for widows of
this class, though these pensions will need the careful oversight of a
visitor, who should see that the children are taught to bear the family
burden as they become older.

There is great diversity of opinion about the value of mothers'
meetings for women whose home duties prevent them from attending church
on Sunday.  If these meetings confined themselves to providing what the
church service provides,--a chance for spiritual uplifting and
refreshment,--there could be no possible objection to them; but,
unfortunately, many mothers' meetings strive to attract and hold
members by such small devices as paying them for very bad sewing, or
making small gifts, or selling things below cost.  These attractions,
small as they are, lead many women to neglect their home duties, and it
is no unusual thing for one woman to belong to three mothers' meetings
of three different denominations, which take her away {75} from home
three afternoons in the week.  The atmosphere of patronage and
"sprinkling charity" that is so common in these meetings, distinctly
lowers the self-respect of the women; before very long they learn to
write begging notes or send begging messages to "the ladies" in charge,
and the place that should be for them a source of spiritual strength
becomes merely a source of supplies.

Collateral Readings: "The Lustig's" and "Corinna's Fiametta," Mrs.
Schuyler Van Rensselaer in "One Man who was Content and Other Stories."
"Practical Sanitary and Economic Cooking" (adapted to persons of
moderate and small means), Mrs. Mary Hinman Abel, published by American
Public Health Association, Rochester, N.Y.  "Foods: Nutritive Value and
Cost," by W. O. Atwater in Farmer's Bulletin No. 23 of United States
Department of Agriculture.  "Dietary Studies in New York City," W. O.
Atwater and Charles D. Woods in Bulletin No. 46 of United States
Department of Agriculture.  The Health Department of New York City will
soon publish leaflets prepared by experts, which will contain simple
directions about buying and preparing food.  "The Le Play Method of
Social Observation," "American Journal of Sociology," Vol. II, No. 1.
"Treatment of Widows and Dependent Children," Mrs. L. Wolcott in
Proceedings of Fifteenth National Conference of Charities, pp. 137
_sq_.  "Girls in a Factory Valley," Mrs. Lillie B. Chace Wyman in
"Atlantic," Vol. LXXVIII, pp. 391 _sq_. and 506 _sq_.

[1] Mrs. Roger Wolcott in Proceedings of International Congress of
Charities at Chicago, Volume on "Organization of Charities," p. 110.




The visitor in the homes of the poor whose chief concern is with
questions of material relief often overlooks the children entirely,
unless they are large enough to be forced into the labor market and
made to contribute toward the family income.  In charity meetings,
where visitors get together to discuss the difficulties of individual
families, it will often happen that the children are not mentioned.  On
the other hand, there is a large class of charity workers who concern
themselves with the children only, and a strongly marked tendency of
modern charity is to treat the children of the poor quite apart from
and without any relation to their home life.  "We constantly hear it
said," writes Mrs. James Putnam, "that we cannot help the older ones,
but that we must save the {77} children.  It seems clear to me that to
help one without the other is usually an impossible task.  Their
interests are too closely bound together." [1]

There is always danger, in our eagerness to help the children, that we
may only encourage parents to shirk their duty.  Take the admirable
charities known as day nurseries.  If care is not taken to exclude all
except the children of widows, or of women whose husbands are disabled,
these will only encourage laziness in the husband, and help to bring
about that unwholesome condition in which the wife is breadwinner,
homemaker, and child-bearer.

The first thing that a visitor should observe in a family where there
is a baby is whether the child is nursed too many months and too often.
A child should not be nursed during the night after it is six months
old.  Solid food is usually given too soon; tea and coffee are often
given before the child is a year old, and to these is added "anything
on the table." {78} For the children's sake, the visitor should be very
observant.  It is difficult, at first, to find out how they are fed,
bathed, and clothed, and whether they go to bed early, in clean beds
and ventilated rooms; but one can learn more by observation than by
direct questions.  Ask to see the baby bathed, and notice the condition
of its scalp and skin.  If in any doubt, it is always best to consult a
doctor; do not allow your ignorance to make you a non-conductor.  Learn
how to sterilize milk, and teach the mother; show her the importance of
feeding at regular intervals, and impress upon her that small children
should never have stimulants, greasy food, green fruit, or cakes, nuts,
and candies.

In summer, the baby should have frequent airings in the nearest park,
and, in case of sickness, the visitor should know how to use the
children's sanitariums, floating hospitals, free excursions or other
charities provided for sick children.  For the older children it will
be possible to procure a country holiday through the fresh air society
or the children's country homes that are provided within easy {79}
distance of all our large cities.  Or, better still, the visitor may
know some one in the country, or may have a summer home there, where
the little ones can be entertained.  Any one who has once realized how
important it is that every growing child should know and love the
country, will gladly put up with some personal inconvenience to give
this knowledge to the little folk in the family he visits.

As soon as the children are old enough, connection should be made with
the nearest kindergarten, or if, unfortunately, there is no
kindergarten near enough, the visitor should learn some of the
kindergarten games and occupations, and teach the children.  When the
children go to the public schools, the visitor should make the
acquaintance of their teacher.

"One of our visitors went for two years to visit a widow and her
children without feeling that she accomplished anything, though the
intercourse was pleasant enough in itself.  Then she heard that the
girl of thirteen was having trouble in school and was in danger of
being expelled.  She went to see the teacher.  {80} The girl was always
well dressed, and the teacher had no idea she was a poor girl.  After
seeing the visitor the teacher touched the girl at last by talking with
her of the sacrifices her mother had made for her education, and urging
her to do her part, that her mother's hard work might not be in vain.
In this way she persuaded the girl to good behavior and kept her in
school--all because some one had visited the family for a year or two
and could speak confidently of their condition and character." [2]

No one can work among the poor in their homes without realizing the
need of compulsory education laws.  There are still people here and
there who talk about the danger of educating the poor "above their
station," but those who know the poor in our large cities from actual
contact feel that over-education is the very least of the dangers that
beset them.  The lack of adequate school accommodations, making it
impossible to punish truancy, is a much greater danger, and, in some
States, the absence of any compulsory education law {81} makes the
child the easy victim of trade conditions and of parental greed.  The
visitor should never permit the desire to increase the family income to
blind him to the fact that the physical, mental, and moral welfare of
the child is seriously endangered by wage-earning.  Where there is a
compulsory education law, he should coöperate with the truant officers
in securing its enforcement; where there is no such law, every
influence should be brought to bear upon parents to keep children in
school.  The Hebrew Benevolent Society of Detroit refuses aid to
families in which the children are kept from school, and all our relief
agencies, churches included, would do well to adopt this rule.

Some of the most intelligent and devoted workers in child-saving
agencies have sounded the note of warning on the subject of children
wage-earners.  "The fact," says Mrs. Anna Garlin Spencer, "that the
world of industry has found out and established methods of labor which
can utilize the work of children to profit, gives to that world of
industry, as an upper and a nether millstone, the greed {82} of
employers and the cupidity and poverty of parents, between which the
life of the child is often ground to powder." [3]  And Mrs. Florence
Kelley, writing from her experience as a factory inspector in Illinois,
says: "I do not mean that every boy is usually ruined by his work, but
I do mean that, the earlier the child goes to work, the greater the
probability of ruin.  I mean, too, that there is to be gained, from a
scientific study of the working child, an irradiating side-light upon
the tramp question, the unemployed question, and the whole ramifying
question of the juvenile offender. . . .  One reason that immigrants
cling so closely to the great cities is that they find there far more
opportunity to get money for their children's work.  There is probably
no one means of dispersing the disastrously growing colonies of our
great cities so simple and effective as this one, of depriving the
children of their immediate cash value." [4]


Another hindrance to the proper education of the children is the habit
of keeping them from school to run errands, to carry their fathers'
dinners, or to help with the housework.  The girls are often taken away
from school very early for trivial reasons.

Recent developments in child study show that many of the moral and
mental obliquities of children may be traced to physical defects.  In
dealing with wayward and dull children, the visitor should bear this
fact in mind, and, either by observation or by the help of a physician,
discover wherein the child is defective.  The sooner a defect is
discovered, the easier it will be to cure it, and for this reason the
visitor should learn to apply simple tests for defective sight and

In a very instructive article, which every visitor should read, on
"Child Study," [5] Professor Krohn says that "dull" children suffer
from defective hearing in ninety-nine out of one hundred cases.  He
tells of one girl in a class who failed to answer correctly, and was
said by the teacher to be the most stupid child in the {84} school.
"After the class was dismissed, I told the teacher that I did not
believe that the little girl was intellectually stupid; that there was
probably some physical defect clogging the pathway to her active little
brain; and I requested an opportunity to talk to the child at recess,
when I found that she could not hear my stop-watch tick until it was
within nine inches of her right ear, and eleven inches of her left ear.
The average child, under the same local conditions, can hear the same
watch tick at a distance of twenty-one feet.  How could the poor child
answer correctly when she could not hear what was asked?  Every answer
was a mere guess.  After a time any child would become stupid under
such conditions, believing it of no use to attempt to answer at all.
This little girl was, at my suggestion, given a seat not far from the
teacher's desk and especial pains was afterward taken to speak
distinctly to her. . . .  She has since manifested such marked
improvement that, at the close of the last school year, she ranked
second in her class."

In puzzling cases of waywardness, the visitor {85} should seek the
advice of the agent of the local children's aid society, who is often
an expert, and glad to help one who is in earnest in such work.  The
Report of the Boston Children's Aid Society for 1896,[6] cites two
cases of truancy due to physical defects.  One was a girl of ten years,
whose eyes were found to be defective.  After fitting her with proper
glasses, the Society's agent had her returned to school.  Another was a
boy of eight, with a slight impediment in his speech.  No one had
noticed that his schoolmates teased the child, until he told the agent.
After the boy's teacher had been seen, there was no more laughing and
no more truancy.

Massachusetts has an excellent system of placing juvenile offenders on
probation for a first offence.  This same report contains illustrations
of the work of the Children's Aid Society's probation officer.  "A boy,
fifteen years of age, already on informal probation, and apparently
doing fairly well, was suddenly brought into court, charged with
breaking and entering his employer's shop at night.  On {86} account of
his past good character, he was put on probation by the court under our
agent's care.  He told Mr. Lawrence that he got into this criminal
state of mind by bad reading and by attending low theatrical
performances.  With the aid of the boy's Sunday-school teacher he has
been encouraged to do his best, and is now working regularly, taking
good books from the Public Library, and is doing very well."

The charitable are only beginning to discover the importance of such
personal and preventive work among children, founded upon an intimate
knowledge of their habits and character.  Such work must be done in
large measure by volunteers, and the friendly visitor's relations to
poor families render him specially fit for the service.  The
illustration just given emphasizes the importance of guiding a child's
reading.  It is not enough to teach the children to use the Public
Library; we should know what they are reading and teach them to enjoy
the right books.  An admirable system of lending libraries having this
object in view has been established by the Boston Children's Aid
Society.  These little Home Libraries in small {87} hanging book cases
are placed in certain homes in poor neighborhoods, and the visitor in
charge of a library meets at regular intervals a group of children of
the neighborhood who form the library circle, explaining the books to
them, playing games, and getting well acquainted.  A friendly visitor
might easily establish such a library in any poor neighborhood; the
details of the plan may be had upon application to the Children's Aid

Training in citizenship must not be overlooked.  Our boys and girls
should know more about our country than their parents can teach them.
The publications of the Patriotic League, 230 W. 13th St., New York,
will be found very useful.  The League issues a Young Citizens'
Catechism and a monthly journal, "Our Country."  The Sunday-school is
another help to the visitor, and it is well to know not only the
public-school teacher, but the Sunday-school teacher, whose coöperation
should be sought in any plans for the children's welfare.  One
Sunday-school is a help, but two or more Sunday-schools for one child
are thoroughly demoralizing, and we {88} should do our best to
discourage any child in whom we are interested from going to more than

It too often happens that children are sent by their parents to several
churches with the deliberate purpose of making profitable charitable
connections.  This habit of thrusting the children forward to excite
sympathy, of sending them to ask help of teachers, clergymen, and
charity agents, is so obviously bad for the children that one wonders
how the charitable can ever have permitted it to become so general.
Children should never be permitted to deliver begging notes and
messages from a family in which there is an able-bodied adult.

Of all charitable practices that help to manufacture misery and vice,
the practice of giving to child-beggars on the street is the most
pernicious.  One boy who has become a skilful beggar teaches another,
and first the money goes for candy and cigarettes, then for gambling
and low theatres.  The next step is petty thieving, the next burglary,
and then follow commitment to a {89} reformatory, which often fails to
reform, and, later, a criminal career.  I have seen children travel
this road so often that it is difficult to speak without bitterness of
the unthinking alms that led them into temptation.  Sometimes parents
connive at child-begging, but often they know nothing of it until the
children have grown incorrigible.  A strict enforcement of the laws
against child-begging is very difficult until every one is convinced of
the cruelty of giving money to unknown children on the street or at the

It sometimes becomes the visitor's painful duty to protect children
from cruelty, criminal neglect, or immorality by legal removal from
their parents' control.  Here a society for the protection of children
will often render valuable assistance.  Such a society is likely to be
hampered in its work by the unwillingness of charitable visitors to
tell what they know in court.  Sometimes this is due to timidity, and
sometimes to a fear of losing influence in the neighborhood.  Clergymen
have been known to refuse their testimony for this latter reason.  The
friendly visitor, {90} whose interest is centred in only one family in
the neighborhood, need not be so cautious, and his continuous visiting,
extending over many months, makes his testimony very valuable.  No fear
of losing influence with other members of the family should prevent him
from speaking out where a child's future is at stake.  Just a few
months more in evil surroundings may mean moral death to the child, and
neighbors are notoriously unwilling to tell what they know.

It is impossible to enter here upon the vexed question of the relative
merits of boarding-out dependent children, of placing them without pay
in country homes, or of committing them to the care of institutions,
though I cannot refrain from quoting, in passing, the opinion of Miss
Mason, for twelve years an English government inspector of boarded-out
children, that "well carried out, boarding-out may be the best way of
caring for dependent children; ill carried out, it may be the worst."
There is a very foolish saying that the worst home is better than the
best institution, but no one who knows how bad a home can be {91} or
how good an institution can be will venture beyond the statement that,
other things being equal, a home is certainly better than an
institution.  The friendly visitor should make himself familiar with
what has been written on this subject, and should be prepared, in any
given case, to make the wisest selection of a home that local
conditions make possible, always remembering, of course, that his
responsibility does not end here; that he should continue to visit the
child, if it be placed within visiting distance.

The visitor should also be familiar with the local laws for the
protection of children.  These usually include laws against
child-begging; against selling liquor and tobacco to minors; against
the employment of children as pedlers, public singers, dancers, etc.;
against the employment of children under a certain age for more than a
specified number of hours (or prohibiting their employment entirely);
and against the abduction or harboring of female minors for immoral

What, above the mastery of all these details, {92} should be the
visitor's clear aim?  To see to it that the children are better off
than their parents were, and are saved from the pitfalls into which the
latter have fallen; that the boys are better equipped to become
breadwinners, and the girls to become homemakers.  The training given
in our public schools will often seem very inadequate, and some of us
look forward to the day when every boy and girl between the ages of six
and sixteen shall be trained to use hand and brain, when manual
training shall be part of the daily instruction of every school course.
Until this day comes, the visitor must make use of such aids as evening
classes in boys' and girls' clubs, people's institutes, and Christian
associations.  A child's capabilities should be studied and every
encouragement given to his small ambitions.

But the best help, after all, is in the personal influence that the
visitor can acquire over the growing child.  When we think what
personal influence has done in our own lives, how it has moulded our
convictions, our tastes, our very manner of speech, even, we should not
despair of the children, if we can {93} attach them to us and give them
a new and better outlook upon life.  The time when we can be of the
greatest help to them is during the disorganized period that comes
between the school days and the settling down in life.  Many a young
life has gone to wreck for lack of a guiding hand at this time, for
lack of a friend to make suggestions about employment, companions,
amusements, and home relations.  The failure of philanthropy to make
any adequate provision for this critical period accounts, in part, for
the large number of married vagabonds in our great cities.

Collateral Readings: On care of infants see leaflets of local Boards of
Health.  "The Working Child," Florence Kelley in Proceedings of
Twenty-third National Conference of Charities, pp. 161 _sq_.  "The
Working Boy," the same in "American Journal of Sociology," Vol. II, No.
3.  "Child Labor," W. F. Willoughby and Clare de Graffenreid in
publications of American Economic Association.  "Influence of Manual
Training on Character," Felix Adler in Proceedings of Fifteenth
National Conference of Charities, pp. 272 _sq_.  "Children of the
Road," Josiah Flynt in "Atlantic," January, 1896.  "Family Life for
Dependent and Wayward Children," Homer Folks, volume on "Care of
Children" in Proceedings of International Congress of Charities at
Chicago, pp. 69 _sq_.  Story of "The Child's {94} Mother," in Mrs.
Margaret Deland's "Old Chester Tales."  "The Wisdom of Fools," Mrs.
Margaret Deland (see, for difficulties in reclaiming girls, the story
entitled "The Law and the Gospel").  Reports of Conventions of Working
Girls' Societies at Boston, 1894, and Philadelphia, 1897.  For
pamphlets on School Savings Banks apply to J. H. Thiry, Long Island
City, N.Y.

[1] Proceedings of Fifteenth National Conference of Charities, 1887, p.

[2] Miss Z. D. Smith.

[3] Proceedings of International Congress of Charities, Chicago, 1893.
Volume on "Care of Children," p. 7.

[4] Proceedings of Twenty-third National Conference of Charities, 1896,
p. 164.

[5] "Charities Review," Vol. VI, pp. 433 _sq_.

[6] pp. 13 _sq_.




About one-fourth of all the poverty that has come within the scope of
charitable investigation is directly caused by sickness.  "In both
American and English experience," writes Warner, "the percentage
attributable to this cause sinks but once slightly below fifteen and
never quite reaches thirty.  The average is between twenty and
twenty-five.  This is one of the most significant facts brought out by
these tables [of the statistical causes of poverty].  It is not one
which the author anticipated when the collection of statistics began;
and yet it has been confirmed and reconfirmed in so many ways that the
conclusion seems inevitable that the figures set forth real and
important facts.  Personal acquaintance with the destitute classes has
further convinced him that most of the {96} causes of poverty result
from or result in a weakened physical and mental constitution, often
merging into actual disease." [1]

This fact gives added importance to all the efforts of modern charity
to secure improved dwellings, open spaces, cheap baths, and better
municipal sanitation for the poor.  But improvement in these matters
cannot come entirely from without; "the model tenement implies a model
tenant."  As a London authority puts it: "The condition of the house
may degrade its occupants.  The careless life and habits of the
occupants will spoil the house, and make it filthy and unhealthy."  The
friendly visitor should try to make the family healthily discontented
with unsanitary surroundings, and so prepare them for better quarters.
Removing families from unfit tenements is not enough, however, if these
tenements are almost immediately reoccupied.  Their condition should be
reported to the Board of Health, and, if condemned, we should see that
no one else is permitted to move into them.

I have often noticed that charity agents, {97} who work habitually in
poor neighborhoods, get so accustomed to bad sanitary conditions that
they hardly notice them.  Volunteer workers are not so likely to fall
into this error, though it is possible for volunteers to be very
unobservant.  They often feel that things are all wrong, without being
able to state the specific difficulties.  An observant visitor will
learn the condition of the cellar, walls, yard, plumbing, and
outhouses; will learn to take the cubic contents of a room in order to
find out the air space for each sleeper; will learn the family method
of garbage disposal; will see how the rooms are ventilated; and will
learn all these things without asking many questions.  Dampness is a
very common cause of sickness; when the children cough it is a very
simple matter to ask about the cellar, and even get permission to see

The prejudice against fresh air, especially night air, is a difficult
one to overcome.  One mother, who kept her children scrupulously clean,
could never understand the value of fresh air until a visitor explained
to her how air was polluted by the soiled air that we {98} breathed
out, just as water was polluted when we washed our hands in it.  When
the children breathed this soiled air in again it made them "dirty
inside"; and this homely statement left such an unpleasant picture in
the mother's mind that her rooms were always well ventilated afterward.

It is difficult to ventilate a small room without making a draft, but,
next to the chimney, the upper sash is the simplest ventilator, and
should not be immovable, as it is in many small houses.  A board about
five inches wide under the lower sash will make a current of air
between the upper and lower sashes, and, better still, two pieces of
elbow pipe with dampers, fixed in the board, will throw a good current
of air upward into the room.  Another ventilator can be made by tacking
a strip of loosely woven material to the upper sash and to the top of
the window-frame.  When the upper sash is dropped, the stuff is drawn
taut over the opening, and, while permitting air to pass through,
breaks the current.

Equal in importance with fresh air inside the house is exercise out of
doors.  I was {99} shocked some years ago to find that, of six
Sunday-school boys who went with me on a little trip to our largest
city park, five had never been there before.  This had not been due to
lack of time or money, though they had very little of either; but its
sole cause had been lack of enterprise.

There is an impatient and popular saying that soap and water are cheap;
like many other popular sayings, it is only half true.  Personal
cleanliness is rather expensive when one takes into account the time,
energy, and frequent changes of clothing required to keep the body
daintily clean.  Visitors should realize this in any effort to
introduce a higher standard of personal neatness, and should not be
impatient when they do not immediately succeed.  Cleanliness and health
are so nearly related, however, that the effort is very well worth
making.  A visitor who hesitated to complain to a mother about her
little girl's neglected condition, borrowed the child to spend the day,
and brought her home at night sweet, clean, and rosy, with her hair
well brushed and curled.  The hint was taken.


It would be very unfortunate for the visitor to be an alarmist, for
there are imaginary invalids among the poor as well as elsewhere, but
more frequently the poor neglect the earlier symptoms of sickness
altogether, or else dose themselves with patent medicines.  The quack
doctors who advertise in the daily papers draw much of their custom
from the very poor, who are also large consumers of cure-alls and
proprietary medicines.  We have seen how children's physical defects
can pass unnoticed at home, and this is the case in a less degree with
the defects and ailments of adults.  The very cheap grade of medical
service that is sometimes given by regular practitioners in poor
neighborhoods has a tendency to discourage the poor from taking
sickness in time.  The visitor can help them to procure better medical
service at reasonable charges or, when necessary, without charge.  The
grade of service in dispensaries varies greatly, but the medical advice
and directions given there with the medicines can be made far more
useful if the visitor will go with the patient and see that the
directions are understood and carried {101} out.  Often no adult in the
family can spare the time to go with a sick child to the dispensary.
Here, too, the visitor's service will be helpful.  In cases of
contagious disease, see that the Board of Health is notified promptly.

Other things being equal, an acute case of illness can usually be
better and more economically cared for in a hospital than in a poor
home.  In fact, although hospitals were intended originally for the
destitute sick, the practice of sending well-to-do patients there is
rapidly spreading.  The prejudice against hospitals, still so general
among the poor, is a survival from a time when hospital care was far
less humane than now.  If the visitor has ever been a patient in a
hospital, and can tell his own experience or the experiences of
friends, or if he happens to know some of the doctors or nurses, and
promises to see them about his poor friend, the prejudice can often be
overcome.  The dread of the untried and the unknown is natural enough,
and yet it will happen now and then that hospital care is so clearly
the best thing that nothing can take the place {102} of it, and
suffering and loss will be entailed upon the family by their refusal to
let the sick member go.  In such cases charitable people may be
justified in helping the family to a right decision by withholding all

The prejudice against hospitals is strong in the negro race.  In the
first family I ever visited the mother, a colored woman, had been
bedridden for thirteen months.  According to her own account she had
been "conjured," and at first the mention of a hospital made her
hysterical.  She consented to let a doctor, who was a friend of mine,
see her, and he pronounced her disease sciatic rheumatism.  He said she
could never get well at home with four small, noisy children, and,
besides, the walls of her house were damp.  After two months of
persuading, I got the mother into a hospital and the family moved into
a dry house.  Among the arguments that won her were my own acquaintance
with the hospital nurses, and my promise to visit her frequently while
there; and my further promise to see that the children were well cared
for while she was away.  But the argument that tipped the scale was the
{103} promise to take her away to the hospital in a carriage with two

Among the cases in which hospital care is not practicable are those of
chronic invalids, of patients too sick to be moved, and of patients
able to be treated as "out-patients" in the dispensaries.  Confinement
cases, where there are children in the family who must be placed
temporarily in institutions if the mother leaves home, are best treated
in the home.  There are societies that provide a nurse and baby-linen
at such times.  Some families are so degraded that they look forward to
times of confinement as times of plenty (see family cited on p. 55),
and in these cases nothing but hospital care should be offered, while
we place the children temporarily in institutions or with neighbors.
For the destitute sick outside of hospitals, district nurses are now
provided in many cities.  When these nurses are careful to instruct
well members of the household in the care of the sick, their influence
is especially helpful, and they are often able not only to relieve
suffering, but to raise the standard of living in the home.  Diet
kitchens, supplying food specially {104} prepared for the sick either
free or at a nominal cost, are also found in many of our cities.

With all the charities provided for the sick, there is still need of
better provision in this country for convalescents, who are sent from
the hospitals too weak to resume work, and still needing rest, good
food, and pure air to effect a complete cure.

Two classes of invalids remain to be mentioned in this condensed
summary.  First, accident cases, in which the visitor must be careful
to see that legal redress is obtained when the case is one for damages,
and must, at the same time, protect the victim from lawyers who are
glad to take a sure case for "half the proceeds."  Second, incurables,
for whom homes are provided requiring an entrance fee, or for whom,
more often, nothing remains but the almshouse.  The visitor can
sometimes secure the coöperation of friends and charities interested,
and so raise enough money to provide the fee for such an invalid, when,
without coöperation, as much money and more would be spent and the
patient remain in the end unprovided for.  Charitable people often
{105} get tired; they will do a great deal for a while, and will then
get interested elsewhere, and grudge the help that is still needed.  In
view of this failing, it is much better, in making plans for
incurables, to secure a lump sum that will make adequate provision,
than to depend upon the continued interest of a number of people.

The migration of invalids is the last point upon which I shall attempt
to touch under this head.  Any one who has visited California, Florida,
Colorado, or any other part of our country where climatic conditions
are supposed to be favorable for invalids, will realize the
irresponsible way in which charitable people are accustomed to send the
sick where they do not belong.  The worst of it is that the sudden
change of climate and the impossibility of securing proper care, so far
from effecting a cure, in many cases hasten death.  "The saddest thing
about the life of a Denver minister," writes Rev. Samuel A. Eliot, "is
the number of lonely funerals that he is called upon to attend.  Often
I have been hastily summoned to say a prayer over some poor body at the
undertaker's {106} shop, where there would be present just the
undertaker and the minister, with perhaps the keeper of the
boarding-house where the lad died or an officer of the Charity
Organization Society.  I look at the youthful victim of ignorant
good-will borne to his neglected grave, I imagine the mother and
sisters in the farmhouse on the New England hillside, whose tenderness
might have soothed his last hours, and I think with bitterness of the
well-meant but misdirected charity which condemned him to a miserable
exile and a forlorn death." [2]

It must be remembered that change of climate is helpful only in the
earlier stages of disease, and only then when the patient is able to
live in comparative comfort, free from worry and anxiety.  To send
invalids to a strange place in the name of charity, without providing
them with the means of subsistence, is the refinement of cruelty.

Collateral Readings: Publications of local Board of Health.
Proceedings of International Congress of Charities, Chicago, 1893,
volume on "Hospitals, Dispensaries, {107} and Nursing."  "Instructive
District Nursing," M. K. Sedgewick in "Forum," Vol. XXII, pp. 297 _sq_.
"The Feeble-minded," Dr. George H. Knight in Proceedings of
Twenty-second National Conference of Charities, pp. 150 _sq_.  See also
discussion in same volume, pp. 460 _sq_.  "The Care of Epileptics,"
William P. Letchworth in Proceedings of Twenty-third National
Conference of Charities, pp. 199 _sq_.  "Industrial Education of
Epileptics," Dr. William P. Spratling in Proceedings of Twenty-fourth
National Conference of Charities, pp. 69 _sq_.  "Destitute
Convalescents: After Care of the Insane," Dr. Richard Dewey in the
same, pp. 76 _sq_.  See also discussion on pp. 464 _sq_.

[1] "American Charities," p. 40.

[2] Proceedings of the Nineteenth Conference of Charities, Denver,
1892, pp. 91 _sq_.




There is a new school of philanthropists that are inclined to make
light of thrift, and to class both industry and thrift among the merely
"economic virtues."  To this school must belong the settlement worker
who spoke of thrift as "ordinarily rather demoralizing." [1]  But
another objection to thrift which has been made by settlement workers
is that it was only good for the working classes "until their employers
discovered that there was a margin to their employees' wages."

Is it true that industry and thrift are merely economic virtues?  We
instinctively feel that they are something more.  One has only to think
of a lazy man to get an impression of something essentially
contemptible and {109} cowardly.  On the other hand the man that loves
work and throws himself into it with energy is winning more than
material rewards.  The thriftless and the extravagant, whether rich or
poor, are often mean and self-indulgent, lacking the first quality of
the unselfish in lacking self-control.  In teaching industry and
thrift, therefore,--though these virtues, like others, have an unlovely
side,--we may feel that we are dealing with two of the elements out of
which not only character but all the social virtues are built.

Nor will the pessimistic theory that the worker must spend as much as
possible on indifferent food and housing in order to keep up the rate
of wages, bear the light of common sense.  It is true that the man who
merely hoards for the sake of hoarding, developing no new and higher
wants, no clearly defined aims, will still be almost as helpless as the
most thriftless.  But no one is more helpless against the encroachments
of employers than the man who lives from hand to mouth, whose
necessities press ever hard upon him, crippling him and crippling those
{110} with whom he competes in the open market.  Then again, successful
coöperation is impossible to the thriftless.  The lack of self-control,
the lack of power to defer their pleasures, unfits them for combined
effort and makes it more difficult for them to be loyal to their
fellow-workmen.  Visitors can advocate thrift, therefore, for both
economic and moral reasons.

There is a use of the word "thrift" that may help us to realize its
best meaning.  Gardeners call a plant of vigorous growth a "thrifty"
plant.  Let us bear this in mind in our charitable work, and remember
that anything that hinders vigorous growth is essentially unthrifty.
Thrift means something more than the hoarding of small savings.  In
fact, saving at the expense of health, or training, or some other
necessary preparation for successful living, is always unthrifty.  It
is unthrifty to live in damp rooms to secure cheaper rent; it is
unthrifty to put aside money for burial insurance when the children are
underfed; it is unthrifty either to buy patent medicines or to neglect
early symptoms of disease in order to save a doctor's bill; above all,
it {111} is unthrifty to take young children away from school and force
them to become breadwinners.  Thrift, therefore, includes spending as
well as saving.

Charity workers often complain that, in the poor families known to
them, thrift is impossible, because there is nothing to save.  More
often than not this means that their relations with the poor have
ceased as soon as acute distress is past, and that they have stopped
visiting at the very time when improved material conditions have made
the best friendly services possible.

Any attempt to divide the poor into classes is to be deprecated,
because human beings are not easily classified.  But, speaking roughly,
and using the classification merely as a temporary convenience, charity
workers will find that the thrift habit divides the poor into three
classes.  First, those who are very thrifty, and this is a large class.
Misfortune may overtake the most provident during long periods of
industrial depression, or they may become temporarily dependent through
sickness or some unforeseen accident.  The second class includes {112}
those who are willing to work when work is plentiful, but who have
little persistence or resourcefulness in procuring work.  In the busy
season they spend lavishly on cheap pleasures and soon become
applicants for relief in troubled times.  Debt has no terrors for them,
and, from their point of view, it is useless to save because they
cannot save enough to make it seem worth while.  In the third class we
find the lazy and vicious, who shirk work, and, living by their wits,
are better off in bad times than in good.  "It is with the second class
that the charitable may work lasting harm or lasting good.  To let them
feel that no responsibility rests with them during the busy season, and
that all the responsibility rests with us to relieve their needs when
the busy season is over, rapidly pushes them into the third class.  To
teach them, on the other hand, the power and cumulative value of the
saving habit, and so get them beforehand with the world, is to place
them in the first class and soon render them independent of our
material help." [2]


A characteristic of the second class is the habit of buying on credit.
The book at the corner grocery not only tempts the purchaser into
buying unnecessary things, but the prices are higher than the market
rate for inferior goods.  A student in a university laboratory, who is
also a friendly visitor, had occasion to use some sugar in one of his
experiments, and, being hurried, purchased it from the nearest corner
grocery, paying more than the usual price.  It proved to be badly
adulterated, and the user has been more careful since in advising his
poor friends about purchasing provisions.  The credit system is the
natural outcome of uncertain income, and for that reason is hard to
avoid, but in a number of instances it is continued long after the
necessity that caused the buyer to ask credit has ceased to exist.

Another and less excusable form of the credit system is buying
household goods on the instalment plan.  The poor are often teased into
this by glib agents.  An old woman, whose income was not sufficient to
keep her alive, contracted to buy a clock on the instalment plan for
$8.00 because she needed one when she {114} occasionally had a day's
job of cleaning.  When her visitor remonstrated that a dollar clock
would have done quite as well, she replied triumphantly, "Yes, but this
one is only 25 cents a week!"  When payments cannot be made, and the
purchaser is threatened with the loss of the goods, it is possible to
be too hasty in rushing to the rescue.  The Fifteenth Report of the
Boston Associated Charities records such an experience.  "A family had
purchased furniture upon the instalment plan, when the husband was
suddenly deprived of his job.  The furniture was about to be seized,
when generous sympathizers came to the rescue, and redeemed the
articles.  Scarcely had the donors time to realize what a financial
relief they had been able to give to the troubled family before the
same bit of folly was repeated, and 'parlor furniture' was added to the
inventory of goods and chattels to be paid for by the week." [3]  When
instalment men threaten seizure, it is well to find out whether they
are acting within the law.  They have been known to take advantage of
ignorant clients.  But the system {115} itself is bad in that it
encourages the purchase of unnecessary things, and at a great advance
upon cash prices.

When the poor man would borrow, he is often exposed to the impositions
of a class of unscrupulous money lenders, who violate the laws against
usury, but hope to escape punishment or loss through the ignorance of
their customers.  The pitiful part of it is that the self-respecting
poor often fall into their traps.  A family in pecuniary straits for
the first time is naturally attracted by the specious advertisements of
the chattel-mortgage companies, which offer to lend money on goods that
the borrower keeps in his possession, and promise that all negotiations
shall be strictly confidential.  This seems an easy way out of present
difficulties without loss of self-respect or any painful publicity.
But the terms of the contract are far from easy in reality.  Through a
system of bonuses, extra fees, or monthly payments for "guaranteeing"
the loan, interest amounting to from 100 per cent to 200 per cent a
year is wrung from the borrowers.  Bled dry at last, and unable to pay
{116} such extortionate interest and the principal too, their goods are
seized, and the members of the household become objects of charity.
Whereever these chattel-mortgage companies gain any foothold, many of
their victims are applicants for relief.  The law usually furnishes
ample protection, but the companies flourish through the poor man's
ignorance of the law.

As soon as a visitor learns that the goods of a poor family are
mortgaged, he should, at once, whether the company is pressing for
payment or not, learn the terms of the contract, and get an opinion as
to its validity from some friend who is a lawyer.  The usual form of
contract in Maryland is a six months' mortgage, bearing 6 per cent
interest, with the legal charge for recording deducted from the amount
advanced to the borrower.  But, in addition to this, notes for from
$2.00 upward, according to the size of the loan, are made payable
monthly to some third party who is supposed to guarantee the loan.
Lawyers advise no payments on these notes, and that principal and legal
interest be offered at the expiration of the mortgage.  If this offer
{117} is refused, the company renders itself liable to damage
proceedings in seizing the furniture.  In each case, however, it is
better to have a lawyer's advice, as the contracts vary, and ignorant
men, who thought they were signing a six months' mortgage, have been
known to sign a one month's mortgage instead.

The law against usury can protect those who know enough to apply it,
but the poor man remains unprovided with any satisfactory means of
negotiating a loan.  The legal rate of interest is too low to make
loans on chattels profitable.  The organization, by public-spirited
business men, of companies that will be careful in taking risks, and
will secure special legislation enabling them to charge not more than a
reasonable rate of interest, is the only remedy.  Companies like these
have been organized successfully in Boston and Buffalo by
philanthropists who were also business men and wise enough to realize
the importance of placing such loan agencies on an equitable business
basis.  Several advantages are apparent from the working of these
equitable loan companies.  Those who cannot {118} properly negotiate a
loan are discouraged from applying, because the loans are made with
great care.  Those who get the loans are fairly dealt with, and are
helped at the right time in a way that saves them from becoming
applicants for charity.  Best of all, the other loan companies are
forced to reduce their rate of interest, and offer fairer terms.

The habit of pawning goods has never become general among our native
population, but among the foreign poor of our large cities it is the
common practice; and here, too, the philanthropic pawnshop, started at
the instance of the New York Charity Organization Society, has reduced
the percentage charged by other pawnshops in New York.

This new interest taken by philanthropy in the poor man as borrower is
still in the tentative and experimental stage, but there is an
encouraging analogy between its beginnings and the early history of the
savings banks.  "It is seldom remembered," says Mrs. Lowell, "that the
great scheme of savings banks was originally conceived and put into
operation as a means of helping the poor.  The two first {119} savings
banks were started in Hamburg in 1778, and in Berne in 1787, and both
were more or less closely restricted to the use of domestic servants,
handicraftsmen and the like.  The Hamburg bank was part of the general
administration of the poor funds." [4]

When the poor man attempts to save, what inducements have greatest
weight with him?  First of all, he is likely to save for some definite
and immediate object, because he cannot spend in any effective way
until he has saved.  In teaching shiftless families to put by small
sums, therefore, it is well to keep some definite object in view.  For
instance, persuade the children to save to buy needed clothing, or the
parents to save to buy proper clothing, bedding, etc., for the
children.  This strengthens family affection and leads the way to a
bank account later, by showing what money can do.[5]

Next to such immediate inducements to thrift comes the dread of pauper
burial, which is a far more influential motive with the poor than the
dread of either dependence or privation.  {120} Respectability is
measured in poor neighborhoods by funerals, and, whether the
neighborhood standards of morality and respectability are ours or not,
we cannot afford, in our charity work, to ignore them.  Extravagant
funerals are an evil, and we should use our influence to discourage
extravagance, even where it is rooted quite as much in affection as in
vanity; but an unsympathetic attitude on the part of the charitable, an
inability to understand the neighborhood point of view, has helped to
encourage an extravagant form of saving, namely, burial and child

To enter into a discussion of the merits of industrial insurance, as
furnished in this country to the poor, is outside the scope of this
book, and the matter is treated quite fully, moreover, in another
volume of this series ("The Development of Thrift," by Mary Willcox
Brown), but the most enthusiastic advocates of industrial insurance can
hardly claim for it that it is an inexpensive form of saving.  A very
large percentage of industrial policies lapse, and it is a common thing
to find that those who have kept up their payments and have {121}
become beneficiaries, spend everything on the funeral of the insured.
"Of $200.00 insurance received by one widow, $180.00 was given to the
undertaker, and the remaining $20.00 was expended for a mourning outfit
for herself.  The family were being aided by the Emergency Society at
that time." [6]  In New York, the agents of the Charity Organization
Society regard the following as a typical instance: A woman's husband
was insured for $136.00.  When he died, she called the same undertaker
that had buried a child for them.  His charges on the former occasion
had been moderate.  The woman told him that she wanted a very
inexpensive funeral with only one carriage.  This was the only
instruction that she gave.  The undertaker asked whether the deceased
was insured, and was told that he was, whereupon he offered to collect
the insurance and to pay over to the widow what was left.  His bill
amounted to $102.50.  These instances do not indicate any collusion, of
course, between the undertakers and the insurance companies.


We have seen in another chapter that sickness is one of the most
persistent causes of distress, and only in rare instances does a death
occur that has not been preceded by weeks and often months of sickness.
The poor man needs sick benefits more than burial or life insurance,
and the children of the poor stand in need of many other things besides
decent burial.  In fact, the money spent in child insurance, which can
be of no possible benefit to the child, is often needed to protect the
child's health or provide for its education.  These should be a
parent's first care from no sordid motive, and yet it is a legitimate
view to regard children as an investment.  The poor man has a right to
expect support from his children when he is no longer able to work, and
to neglect their best interests is to cripple his own future.

The beneficial societies and fraternal orders furnish a means of saving
for sick benefits, but they are of such varying degrees of merit and
trustworthiness that it is impossible to recommend them without
qualification.  They have not gained the same position that the {123}
friendly societies hold in England, partly, perhaps, because they are
not subject in America to the same legal restrictions and official

Though the savings banks are open to the objection that money is too
easily withdrawn from them, and is not, therefore, always available at
the time of greatest need, yet, after making every allowance for this,
the savings banks remain one of the safest and best means of putting by
small savings.  Another way of saving, which is not open to the
objection of too easy withdrawals, is the purchase of shares in a good
building and loan association.

Some banks provide facilities for small savings by selling special
stamps of small denominations, and, in several cities, charities have
established stamp saving societies to promote the saving habit,
especially among children.  When $5.00 has been saved in this way, a
bank account should be opened.  One visitor has found that, in getting
children to save, it helps to have a stamp-saving card of one's own,
and show it.  As a means of teaching children to save, visitors should
encourage the {124} introduction of stamp savings into our public

Another way to promote small savings is to send volunteer collectors
among the poor, who will visit certain families weekly, and collect the
five and ten cent pieces until enough has been saved to open a bank
account.  This work may be combined with friendly visiting, though the
collector must visit at regular intervals, and in many cases it is
better for the friendly visitor to visit at irregular intervals.  One
visitor always leaves a small bank with her family when she goes away
in summer, and the unlocking of this on her return has become a family

Saving for fuel becomes an admirable object lesson, when it is used to
establish the saving habit and not allowed to stop with the mere
purchase.  During the summer, families can be encouraged to put by
small sums weekly, and, instead of buying coal in small quantities at
very high prices during the winter, can save more than half the cost by
buying a ton or more early in the season.

In teaching thrift in a careless and shiftless {125} home, we can get
many valuable suggestions from more thrifty families in the same
neighborhood, or with the same income.  To effectively advise about
expenditure, one must know the family budget of receipts and
expenditures, and often this is more than the family knows.  Learning
to take note of the items is the first lesson in thrift.  The most
important thing, however, is our own attitude of mind.  "We must not
get into the habit of saying, 'Poor things; they can do nothing.'  We
should rid ourselves of the habit of treating them, not as men and
women, people who can look after themselves with strength in their
muscles and brain-power in their heads, but as animals whom we allow to
live in society along with ourselves, taking for granted that they are
deprived of, or cannot exert, those faculties which go to make up the
strength and fibre of men and women.  I assure you, those who are
inclined to take a sentimental turn have great temptations put before
them to treat the poor as if they were dependent animals." [7]


Collateral Readings: "The Development of Thrift," Miss Mary Willcox
Brown.  "The Standard of Life," Mrs. Bernard Bosanquet, especially the
essay on "The Burden of Small Debts."  Annual Reports of the
Workingmen's Loan Association, Boston; the Provident Loan Association,
New York; and the Provident Loan Company, Buffalo.  For stamp savings,
see reports of New York Charity Organization Society (Committee on
Penny Provident Fund).

[1] See Report on the Questions drawn up by Present Residents in our
College Settlements, p. 17.  Published by the Church Social Union,

[2] Leaflet on "Summer Savings," published by the Baltimore Charity
Organization Society.

[3] p. 25.

[4] "Public Relief and Private Charity," p. 109.

[5] See Fourth Report of Boston Associated Charities, p. 38.

[6] Eighteenth Report of Boston Associated Charities, p. 27.

[7] C. S. Loch in Fifteenth Report of Baltimore Charity Organization




I have said that the power to defer our pleasures is a mark of
civilization.  There is another mark which, in this busy America of
ours, is often denied to the well-to-do as much as to the poor, and
that is the power to enjoy our pleasures after we have earned them.
Charity workers still underestimate the value of the power to enjoy.
They are likely to regard mere contentment as a model virtue in the
poor, whereas that discontent which has its root in more varied and
higher wants is a splendid spur to progress.  Professor F. G. Peabody
quotes Lasalle in naming as one of the greatest obstructions to
progress among the poor, "The cursed habit of not wanting anything."
The power of enjoyment seems dead in many a down-trodden, sordid life,
while in many others it wastes itself upon unworthy and degrading


There is a passage in one of Miss Octavia Hill's essays that throws a
flood of light on this question.  She says that the love of adventure,
the restlessness so characteristic of the Anglo-Saxon, makes him, under
certain conditions, the greatest of explorers and colonizers, and that
this same energy, under other conditions, helps to brutalize him.
Dissatisfied with the dull round of duties that poverty enforces upon
him, he seeks artificial excitement in the saloon and the gambling den.
It is useless to preach contentment to such a man.  We must substitute
healthier excitements, other and better wants, or society will fail to
reform him.  In all the forms of play, all the amusements of the
people, though some of them may seem to us coarse and degrading, there
is this same restless seeking to express what is highest and best in
man; not only to express his love of adventure, but his love of social
intercourse and his love of beauty.  When we once realize that certain
vices are merely a perversion of good instincts, we have taken the
first step toward finding their cure.


It has been said that a man's pleasures give us his true measure, and
that to change the measure is to change the man.  From this point of
view, the subject of recreation is very near the heart of the friendly
visitor's relation with the poor.  We may have made a conscientious
study of the family expenses and income, of the sanitary surroundings,
of the work record and diet, but we shall not know the family until we
know what gives them pleasure.  One visitor says that she never feels
acquainted with a poor family until she has had a good laugh with them.
A defective sense of humor in the visitor is a great hindrance to
successful work: poor people are no fonder of dismal folk than the rest
of us.  When we come to recreations, friendly visiting not only makes
large demands upon what we know, but upon what we are.  Our pleasures
measure us quite as much as they measure our poor friends, and, unless
we have kept fresh our own power of enjoyment, we cannot hope to impart
this power to the poor, or to give them new and better wants.

Granting that we have them ourselves, what {130} are some of the
healthy wants that we should try to pass on to the poor?  Taking the
simplest first, we should try to introduce simple games and a love of
pure fun into the family circle.  I am indebted to Miss Beale of the
Boston Children's Aid Society for the following list of simple games,
so arranged as to include standing and sitting games for each evening:


  1.  Hiding the thimble.        1.  Stage coach.
  2.  Bean bag.                  2.  Buzz.
  3.  Dominoes.                  3.  Elements.


  1.  Hot butter blue beans.     1.  How, when, and where.
  2.  Jack straws.               2.  Counting buzz.
  3.  Fruit basket.              3.  Magical spelling.


  1.  Go-bang.                   1.  Tea-kettle.
  2.  Spot on the carpet.        2.  Musical chairs.
  3.  Throwing lights.           3.  Logomachy.


  1.  Telling a story.           1.  Pigs in clover.
  2.  Blowing the feather.       2.  I have a rooster to sell.
  3.  Authors.                   3.  Courtesying.

In teaching such games it is best to begin with the children, but the
parents can {131} sometimes be induced to join in.  Story-telling is
also an unfailing resource in our efforts to amuse the children.

But, during a good part of the year, there are many outdoor games in
which the children can be interested, and, now that the trolley cars
have brought the country so much nearer, country trips for the whole
family should be planned at frequent intervals.  There are few things
more pathetic than the dread with which many of our city poor think of
the country, and to teach them country pleasures is to restore to them
a birthright of which they have been robbed.  A love of plants and
window-gardening is another healthful pleasure.  Mignonette, geranium,
wandering Jew, and saxifrage grow well in small spaces.  To one family,
living in tenement rooms where there was no sun, a visitor gave a pot
of geranium.  Later, the woman said: "We have taken it out on the roof
every day when it was pleasant to let the sun shine on it  When I
couldn't take it, Mary did; and, for fear it should get stolen, we stay
and sit by it.  I take the baby with me too, {132} and the baby likes
the sun as well as the flower does."

With all the added interest in outdoor exercise, and the freer,
healthier life of our time, we are slow to pass such advantages on to
the poor.  The women of the family need much urging, sometimes, to get
them to take any outdoor exercise.  Bicycles are becoming cheaper, and
a bicycle would be a good investment in any family where all the adults
are working at indoor occupations.  If the visitor find a gymnasium not
too far away, the boys and their father should be induced to go to it.
With these added interests, a holiday will no longer be a thing to be
dreaded by the wife and mother, for there will be interesting things to
do, instead of mere loafing on the corner or at the saloon.  One
visitor helped to cure a man of drinking by getting him an accordion--a
fact that has a touch of pathos, as indicating the poverty of interests
in the poor fellow's life.

The pleasures of books, music, and pictures ought to touch every life
at some point.  Some aesthetic pleasures, it is true, are won only
{133} after long study and preparation, but the best art is universal
in its appeal.  So far as books are concerned, our free libraries have
made us familiar with this view.  The visitor should know the rules of
the nearest library, and should be ready to go there with some member
of the family, in case it is unknown to them.  The saloon-keepers in
Ward 10, Boston, complain that the new branch of the Public Library
opened there has interfered with their business.  Beside encouraging
the use of a lending library, the visitor should be ready to lend
books, newspapers, and magazines, and should be glad to borrow a book
from the family, when this will help to strengthen friendly relations.

The refining influence of good pictures is just beginning to be
recognized by the charitable.  Friendly visitors cannot always organize
large loan exhibitions, such as are given in the poorer neighborhoods
of London, New York, and Boston, but they can lend a good photograph or
engraving, when they are going away, and can replace it, from time to
time, by another picture.  Such loans have {134} been known, like the
Eastlake screen in Stockton's story, to revolutionize the arrangement
of the household.  Then, too, a picture often conveys a lesson more
effectively than a sermon can.  Mrs. Barnett tells, in "Practicable
Socialism," [1] of a loan exhibition in Whitechapel, where Oxford
students acted as guides and explained the pictures.  "Mr. Schmalz's
picture of 'Forever' had one evening been beautifully explained, the
room being crowded by some of the humblest people, who received the
explanation with interest, but in silence.  The picture represented a
dying girl to whom her lover had been playing his lute, until, dropping
it, he seemed to be telling her with impassioned words that his love is
stronger than death, and that, in spite of the grave and separation, he
will love her _forever_.  I was standing outside the exhibition in the
half-darkness, when two girls, hatless, with one shawl between them
thrown round both their shoulders, came out.  They might not be living
the worst life, but, if not, they were low down enough to be familiar
with it, and to see {135} in it only the relation between men and
women.  The idea of love lasting beyond this life, making eternity
real, a spiritual bond between man and woman, had not occurred to them
until the picture with the simple story was shown them.  'Real
beautiful, ain't it all?' said one.  'Ay, fine, but that "Forever" I
did take on with that,' was the answer."

I have lived nearly all my life in a community where, during the last
twenty-five years, there has been a great change in musical taste.
George Peabody left money to found a Conservatory of Music, and a few
music lovers spent time and money to keep alive an Oratorio Society.
Later, the visits of Thomas' Orchestra and of the Boston Symphony
Orchestra added to the strength of these local musical centres; but for
many years the Peabody Conservatory was ridiculed and misunderstood,
and the Oratorio Society was usually in financial straits.  I mention
these facts, because persons who are dependent upon the Conservatory
and the visiting orchestras for all the good music they know have said
to me that it must be impossible for poor people ever to appreciate
good {136} music.  But for the benefactions of George Peabody, and of
Mr. Higginson (who made the Boston Orchestra possible), and of a few
others, they themselves could never have known the pleasure of enjoying
great and noble music, and, to this extent, at least, they are as
dependent as the poorest; but they are quite sure that the great
composers have no message for the poor.  There is difficult music, of
course, which only the scholarly musician can appreciate; but much of
the very best music, if we once have a chance to become familiar with
it, appeals to all of us.  Then the artistic temperament is not a
matter of either condition or race, as one of our young American
musicians has pointed out.  Lecturing with musical illustrations to
audiences on the East Side in New York, and to audiences of negroes in
Philadelphia, he is convinced that "if good music were accessible to
the masses, it would be appreciated, and go far to elevate them."

"My boy," wailed a poor mother, "was that fond of music it took him
straight to the bad!"  And no wonder, for music--apart from the
tawdriest of gospel hymn tunes--meant for {137} him the saloon and the
low concert hall.  We need, to counteract such influences, plenty of
cheap concerts of good music; concerts following the plan of Theodore
Thomas with his well-to-do audiences, who were given first the best
that they liked, and then were taught gradually to like better and
better selections.

All the higher recreations encroach upon the field of education, and I
am tempted to mention, in passing, some of the most promising
educational efforts for encouraging study among the people.  The
American Society for the Extension of University Teaching, which has
its headquarters at Philadelphia, has conducted very successful courses
of lectures in poor neighborhoods.  The enormous attendance upon the
free evening lectures given by the Department of Education in New York
school buildings is also significant.  The popularity of the
educational classes in working girls' clubs, Christian associations,
and people's institutes is another good sign.  But I mention these here
merely to emphasize their importance as tools for the visitor.  In
families where an ambition has been aroused, the visitor {138} should
foster it by making connection with some such educational agencies.

There is a very obvious form of snobbery that we are quick enough to
detect, the snobbery that looks down on people who have to work hard
and wear shabby clothes.  But an even more dangerous form of snobbery,
because not so obvious, is the intellectual form, which claims an
exclusive right to culture, and looks down upon the simple and
unsophisticated.  The fact is, that, save for a very gifted few, we are
all of us dependent upon the gifts of others for what we know and what
we enjoy.  Probably there never was a neighborhood so exclusive but
many were there upon whom education, refinements, and beautiful things
were quite wasted; and there never was a neighborhood so poor but some
were there who longed for beauty, education, and a larger and fuller

It will be seen in the next chapter that, when we attempt to supply the
poor with the necessities of life, our path is beset with difficulties.
But when we give them those things which, though not necessary to life,
yet refine {139} and elevate it, we can do them only unmixed good.
Gifts of books, flowers, growing plants, pictures, and simple
decorations, or, as in one instance known to me, the present of several
rolls of light-colored wall-paper to brighten a dark room--these help
to express our friendliness, and have an added value as coming from a
friend.  Above all, however, we should not hesitate to share with the
poor our delight in healthful and refining pleasures, and should find
it natural to talk freely with them about our own interests.

Collateral Readings: "Parlor Games for the Wise and Otherwise," H. E.
H.  "Faggots for the Fireside," Mrs. L. P. Hale.  "American Girls' Own
Book of Work and Play," Mrs. Helen Campbell.  "Gymnastic Games,"
published by Boston Normal School of Gymnastics.  "Methods of Social
Reform," W. S. Jevons.  "Picture Exhibitions in Lower New York," A. C.
Bernheimer in "Forum," Vol. XIX, pp. 610 _sq_.

[1] pp. 119 _sq_.




I have been very unfortunate if, in the foregoing chapters, I have
failed to make it clear that there are many ways of assisting the poor
in their homes besides the one way usually implied by the word
"assistance."  To one who knows the real needs of the poor, the relief
of suffering by gifts of food and fuel seems only a small part of the
work of charity; but the fact remains that the majority of mankind are
still little moved by any needs that are not closely associated with
hunger and cold.  Their imaginations are sluggish, and the whole
problem of poverty appears to them simpler than it really is.  It seems
to them no more than a sum in arithmetic,--"one beggar, one loaf; ten
thousand beggars, ten thousand loaves"; and the charitable loaf is
supposed to have moral and {141} healing qualities that are denied to
other loaves.  The truth is that charitable cash and commodities have
no moral qualities in themselves; not even the good intentions of the
giver can endow them with peculiar virtues.  Like all other
commodities, however, they may become agents of either good or evil.
The way in which we handle commodities tests us at every turn; tests
our sincerity, our honor, our sense of spiritual things.  Material
relief tests us too.  If we give it believing that, in itself, it can
carry any blessing to the poor, we are taking a grossly material view
of human life.  If, on the other hand, our knowledge of the mischief
done by reckless giving makes us morbidly sceptical of all material
assistance, we are losing a valuable tool; for relief at the right
time, and given in the right way, may be made an incentive to renewed
exertion, and a help to a higher standard of living.

When the visitor's ingenuity in developing resources within the family
renders material relief from outside unnecessary, the family is
fortunate; but often relief from outside is a necessity, and the
question then arises, How {142} shall it be given?  Everything depends
upon the "how."

First of all--and this is a lesson that visitors are slow to learn--it
is very unwise, especially in the first months of acquaintance, for
friendly visitors to give money or commodities to the families they
visit, though they may find it necessary to see that relief is sent
from some other source.  "If one of our visitors finds her family in
dire distress, and there is no time to go to the office and have aid
secured in some other way, she of course, like any one else, furnishes
it at once from her own pocket.  But except in these rare emergencies,
our visitors do not themselves give relief to those they visit.  We
believe this is a wise rule, and after eight years' experience we would
not change it.  If a stranger offered you a gift, you would feel
insulted and refuse it  Suppose you were constrained by necessity to
accept it--would it not make a certain bar between you and that
stranger very difficult to break down?  Imagine yourself of a different
temper, that you wanted all you could get.  Would you {143} not be
likely to talk more freely or truthfully to one who you knew would give
you nothing than to one from whom you hoped a plausible tale would draw
a dollar?  For the visitor's sake also the rule is a good one.  We are
apt to think our duty done if we have given money, and if we cannot do
that, we are forced to use our ingenuity to find other and better ways
of helping." [1]

It is eleven years since the foregoing passage was written, but the
experience of almost every practical worker in charity will confirm it.
Friendly visitors are human, and their task, as it has been described
in this book, is not an easy one.  It is so much easier to give.  But
the history of many volunteers in charity is that, starting out with
excellent intentions, they were tempted to give relief to the families
they visited.  First it was clothing for the children, then the rent,
then groceries, then more clothing, and the family's needs, strange to
say, seemed to increase, until, finding their suggestions unheeded, and
{144} the people no better off, the volunteers deserted their post,
and, still worse, carried away a false, distorted idea of what poor
people are like.  The poor, too, learn to distrust a charitable
interest that is not continuous.  A little self-restraint, a little
more determination to keep their purpose clearly in mind, would save
the charitable and the poor from an experience that is hardening to

When the friendly visitor has known a family for years, and the
friendship is thoroughly established, it is conceivable that he may be
the best possible source of relief; but the attitude that we must guard
against--creeping, as it does, into all our relations with the poor as
an inheritance, an outworn tradition--is the attitude of the London
church visitor, who said that she could not possibly administer
spiritual consolation without a grocery ticket in her bag.  It is good
for the poor and good for us to learn that other and more natural
relations are possible than the relations of giver and receiver, of
patron and patronized.

Nothing that has been said, however, against {145} permitting the
visitor to become the source of supplies should be interpreted as
meaning that the visitor is not to concern himself with the way in
which relief enters the home, and its effect upon the welfare of the
family.  Everything that concerns the welfare of its members concerns
him, and that their energies should be paralyzed by a too plentiful
supply of relief, or that the lack of it should cause unnecessary
suffering, is a matter that concerns him vitally.  To administer relief
wisely one needs special training, and an inexperienced visitor should
seek the advice of one who knows the charitable resources of his own
particular community and the standard of living of the family's
particular neighborhood.  There are certain general relief principles
that common sense and experience have found to be applicable
everywhere, however, and, avoiding the technical language of charitable
experts, I shall try to state these principles as briefly and clearly
as possible, under six heads.

I.  When relief is needed in a poor home, it should be given _in the
home_ without any {146} publicity, and after conference with the head
of the family, who, if unable to provide the means of subsistence
himself, is still responsible for procuring it.  The man of the family,
unless disabled, should do all the asking.  This means, of course, that
wives should not be sent to charity offices and private families to ask
assistance, and that every charitable agency, public and private, and
every church worker and every teacher should positively refuse to
receive any message or appeal for relief sent by a child, except in
those rare cases where all the adult members of the family are
disabled.  The neglect of this simple precaution has often kept
children away from school, and has tempted parents to use them to
excite sympathy.  One sensational item in a Baltimore daily, headed
"Barefooted through the Snow," was the account of thinly clad children
sent to the police station for relief.  Their father, upon
investigation, was found to have taken their shoes off, and sent them
out to do the begging for the family, after refusing a good offer of


This newspaper item illustrates the danger of giving publicity to
individual cases of need.  The poor read the papers, and when they find
that sympathy is excited by sending children for relief, they are
tempted to use their children in the same way.  Few worse things can
happen to a poor family than for their distress to excite the interest
of an enterprising journalist, who publishes an account of the
circumstances with name and address.  It brings them an avalanche of
relief sometimes, but the visits from sentimental strangers, the envy
of their worst neighbors and the disapproval of their best, the
excitement and uncertainty, the repeating over and over the tale of
their trouble, and the destruction of all the natural conditions of
family life, leave behind a train of demoralization that lasts long
after the relief has been exhausted.

In a less degree, the congregating of the poor in any place for a
relief distribution is to be deplored, whether the relief is given out
upon presentation of an order or not.  The standing in line, the
jostling and waiting, the gregariousness and publicity, are
demoralizing.  {148} Missions, I regret to say, sometimes treat such
free distributions as an advertising spectacle; but "it is of the very
essence of charity that it should be private," and advertising, on the
other hand, presupposes publicity.  I have often had opportunities to
give the poor tickets for Christmas dinners, free treats, and general
charitable distributions, but, as I have come to know the poor better,
and to care more for their welfare, I have learned to resent a charity
that would help them in droves, as if they were cattle.  A form of
charitable relief that appeals to many good people in cold weather is
the free-soup kitchen, where the poor come with their kettles, and "no
questions are asked."  The hot, steaming soup and the cold, shivering
applicants make a striking contrast, and the kind-hearted citizen is
very likely to think of such charity as "practical," and denounce the
people who object to it as "theorists."  There is nothing practical
about a free-soup kitchen.  It is the cheapest of cheap charity.  If
the weather is cold, people must have fires at home to keep them from
freezing, and the gift of cooked food is {149} unnecessary.  Soup is
not the most nourishing food to give, moreover, and the "no questions
asked" means that those who need most will get least, and that the
crowd of sturdy beggars always attracted by such distributions will
drive away the shrinking poor, who need help the most.

_The first relief principle is that relief should be given individually
and privately in the home, and that the head of the family should be
conferred with on all questions of relief._

II.  A due regard for the self-respect of the poor prompts us, when
relief is needed, to secure it from the most natural source or sources.
A family that still has credit does not need relief at all, and it is
better for them to run in debt to those who still consider them a fair
business risk than to receive charity instead.  Next to credit, as a
natural resource, come relatives.  Charity weakens natural ties by
stepping in, unless it is certain that relatives have done all that
they can, or unless it has brought pressure to bear, at least, to
induce them to do their part.  Sometimes relatives have good reasons,
which the charitable should {150} know and heed, for withholding
relief.  The next source of relief is friends, including neighbors and
former employers, and a visitor who is seeking aid for a family may
often discover better ways of helping by consulting with these.  The
tendency of indiscriminate charity is to destroy neighborliness.  (See
p. 27.)  The next source is the church to which members of the family
belong, or fraternal societies of which they may have been members.
Only when all these sources fail, and it is not possible to get
adequate relief from charitable individuals whom we can interest,
should we turn to societies organized for the purpose of giving relief
to the poor, and, even then, special societies, like the St. Andrew's
Society for Scots, St. George's Society for Englishmen, and Hebrew
Benevolent Society for Hebrews, should take precedence of general
relief societies, which were not intended to assume other people's
charitable burdens, but exist to care for the unbefriended families
that cannot be relieved from any more natural source.

There remains one more source of relief for the poor in their own
homes.  Many American {151} cities still give public outdoor relief.
This relief is called "public" because it is voted from funds collected
by taxation, and it is called "outdoor" to distinguish it from indoor
or institutional relief.  There are several reasons for regarding this
as the least desirable form of relief.  In the first place, it is often
administered by politicians, and becomes a source of political
corruption.  But, what is even more important, it is official and
therefore not easily adaptable to varying needs.  Private charities can
undertake a large expenditure for one family, when a large expenditure
will put the family beyond the need of charity; but official relief
must always be hampered by the fear of establishing a precedent, and
inadequate relief is often the result of this fear.  Moreover, public
relief comes from what is regarded as a practically inexhaustible
source, and people who once receive it are likely to regard it as a
right, as a permanent pension, implying no obligation on their part.
Even where it is well and honestly administered, as in Boston, the most
experienced charity workers regard it as a source of demoralization
both to the poor {152} and the charitable.  No public agency can supply
the devoted, friendly, and intensely personal relation so necessary in
charity.  It can supply the gift, but it cannot supply the giver, for
the giver is a compulsory tax rate.  Some of the sources of information
on this subject are noted at the end of the chapter.  It is impossible
to give the question any adequate consideration here, but it will be
noticed that a large majority of those who have worked as volunteers in
the homes of the poor, and have watched the effects of outdoor relief
in these homes, are anxious to see it abolished in all our large
cities, believing that private and voluntary charity can more than
replace it.  On the other hand, those who know the poor in another
way--in public offices and from the point of view of the public
official--are often stanch advocates of outdoor relief.

The fewer sources of relief for any one family the better, though it is
often impossible to get adequate relief from one source.  "The
difficulty in giving judiciously is great, even where one person or
society does the whole.  But when the applicant goes from one to {153}
another, undergoing repeated temptations to deceive and getting from no
one what is sufficient to meet the full need, each giver feeling but a
partial responsibility in the matter, one giving when another has
desired that relief ought to be withheld, and thus destroying the
effect of the other's action, we believe that the difficulties in the
way of judicious aid are greatly increased. . . .  We earnestly hope
that the various relief-giving agencies may adopt the plan, so far as
possible, of a division of labor, each doing all the relief-giving
needed by those within its care and leaving others to do the
relief-giving in other cases." [2]  When, however, relief must come
from a number of sources, it does most good if given through one

_The second relief principle is that we should seek the most natural
and least official sources of relief, bearing in mind the ties of
kinship, friendship, and neighborliness, and that we should avoid the
multiplication of sources._

III.  In deciding to give or to withhold relief, we should be guided by
its probable effect upon the future of the applicant.  When it is {154}
conceded that we should discriminate at all in giving, the popular
notion is that we should give to the worthy poor, and refuse aid to the
unworthy.  The words "worthy" and "unworthy" mean very little; they are
mere catchwords to save us from thinking.  When we say that people are
"worthy," we mean, I suppose, that they are worthy of material relief,
but no one is so worthy as to be absolutely relief-proof.  If relief is
given without plan or purpose, it will injure the worthiest recipient.
On the other hand, an intelligent visitor can often see his way clear
to effect very great improvement in what are called "unworthy" cases,
and may find material relief a necessary means to this end.  Better
than any hard and fast classification, is the principle that our relief
should always have a future to it, should be given as part of a
carefully devised plan for making the recipient permanently better off.
The only excuse for giving relief without a plan is that it is
sometimes necessary to give what is called "interim relief," to prevent
present suffering, until we can learn all the facts and a plan can be
devised.  In this, relief work is very much like doctoring a sick {155}
patient.  We have very little use for a doctor who does not alleviate
suffering promptly, but, on the other hand, we naturally mistrust the
doctor who does not ask a great many questions, or who fails to make a
plan for getting his patient beyond the need of medicine as soon as
possible.  Our relief work is often nothing but aimless dosing.  Like
the doctor, too, we should stand ready to change our plan of treatment
when conditions change.  "In one family, where a pension was given on
account of the breadwinner's illness, and continued for six weeks after
his death, the daughters have been unwilling to take work offered at
wages they thought too low, because they were not thrown upon their own
resources at once." [3]

A plan that is not based upon the actual facts is, of course, worse
than useless.  Sometimes a charitable person will call at a home for
the first time, will see miserable surroundings, and will feel that the
circumstances are all made plain to him in one visit.  Calling at a
relief office, he will urge immediate relief, adding, "I have
investigated the case myself." {156} The word "investigation" means
very different things to different people.  Here are some of the
questions that, according to the London "Charity Organization Review,"
[4] an almoner should ask himself about any given case:

"1. Can anything be done to increase the family income?  Can the number
of wage-earners be added to?  Can those doing badly paid work be taught
better-paid work?  Can they be put in the way of getting better tools
or appliances?

"2. Can anything be done to make the existing income go farther than it
goes now?  e.g.

"(_a_) Is too much money paid away in rent?  Could as good
accommodations be obtained in the district elsewhere for less?  Or
could the family do with less accommodation.

"(_b_) Is money wasted? _e.g._ on medicine, or in habitual pawning, or
in purchasing from tallymen, or in buying things not wanted?  Do
husband and children keep back an undue share of their earnings?

"(_c_) Is too much money spent in travelling {157} backwards and
forwards to place of employment?  If so, could the family move nearer
to their work without increasing their rent?

"These are but a few of the questions which the almoner must put if he
wishes to be thorough.  In every case he must _think_ about the problem
with which he is dealing, and he must try to make those who are
applying for help think also."

The best arguments for giving relief upon a definite plan are the
results of haphazard benevolence that are all around us--feeble-minded
women with illegitimate offspring, children crippled by drunken
fathers, juvenile offenders who began as child-beggars, aged parents
neglected by their children.  Every form of human weakness and
depravity is intensified by the charity that asks no questions.

_The third relief principle is that relief should look not only to the
alleviation of present suffering, but to promoting the future welfare
of the recipient._

IV.  It follows from the foregoing that when we relieve at all we
should relieve adequately.

"Can any one really approve of inadequate {158} relief?  Can any one
really approve of giving 50 cents to a man who must have $5.00,
trusting that some one else will give the $4.50, and knowing that, to
get it, the person in distress must spend not only precious strength
and time, but more precious independence and self-respect? . . .

"There are many families in every city who get relief (only a little to
be sure, but enough to do harm) who ought never to have one
cent,--families where the man can work, but will not work.  The little
given out of pity for his poor wife and children really intensifies and
prolongs their suffering, and only prevents the man from doing his duty
by making him believe that, if he does not take care of them, some one
else will.  On the other hand, there are many families who ought to
have their whole support given to them for a few years,--widows, for
instance, who cannot both take care of and support their children, and
yet who ought not to have to give them up into the blighting care of an
institution; and these families get nothing, or get so little that it
does them no good at all, only serving to {159} keep them also in
misery and to raise false hopes, or else to teach them to beg to make
up what they must have.

"Ought not charitable people to manage in some way to remedy these two
opposite evils?--to do more for those who should have more, and to do
nothing for those who should have nothing, saving money by
discriminating, and thus having enough to give adequate relief in all
cases." [5]

By adequate relief charity workers do not mean that all _apparent_
needs should be met.  There are often resources that are hidden from
the inexperienced eye, and by ignoring these we destroy them.

_The fourth relief principle is that, instead of trying to give a
little to very many, we should help adequately those that we help at

V.  We should make the poor our partners in any effort to improve their
condition, and relief should be made dependent upon their doing what
they can for themselves.  Whether we give or do not give, our reasons
should be {160} clearly stated, and we should avoid driving any sordid
bargain with them.  For instance, it may be wise sometimes to make
relief conditional, among other things, upon attending church, but to
require attendance upon a church to which they do not belong because it
is our church, or to let them regard relief as in any way associated
with making converts to our way of thinking, is to weaken our influence
and tempt the poor to deceive us.

_The fifth relief principle is that we should help the poor to
understand the right relations of things by stating clearly our reasons
for giving or withholding relief, and by requiring their hearty
coöperation in all efforts for their improvement._

VI.  The form of relief must vary with individual circumstances and
needs.  Work that is real work is better, of course, than any relief;
but there should be a prejudice among charity workers against sham
work, for which there is no demand in the market.  Unless such work is
educational, or is used to test the applicant's willingness to work, it
is often better to give material relief.


A charitable superstition that we should outgrow is the notion that it
saves us from pauperizing the poor to call our gifts loans.  We may
know that they cannot repay, and they may know that we know it, but
this juggling with words is still undeservedly popular.  When the
chances of their being able to repay are reasonably good, and a loan is
made, we should be as careful to collect the debt as in any business

Another charitable superstition is the prejudice in favor of relief in
kind rather than in money.  We think that bundles of groceries and
clothes, and small allowances of fuel, can do no harm, but the fact is
that, where it would be unsafe to give money, it is usually unsafe to
give money's equivalent.  Large relief societies find it more
economical to buy commodities in quantities, and so get the advantage
of wholesale prices; but, so far as the poor themselves are concerned,
there is no reason for giving goods rather than cash.  On the contrary,
many poor people can make the money go farther than we can.  Money
intended for temporary relief should not be used {162} for rent,
however, except in cases where ejectment would seriously endanger the
welfare of the family.  Back rent is like any other back debt;
landlords should take their chances of loss with other creditors.  Nor
should charitable relief be used to enable people to move from place to
place in order to avoid the payment of rent.[6]

When institutional care is clearly not only the most economical but the
most adequate form of relief, we are sometimes justified in refusing
all other forms.

In cases where institutional care is not practicable, and relief will
be needed for a long period, it is best to organize a private pension,
letting all the natural sources of relief combine and give through one
medium an adequate amount.

_The sixth relief principle is that we must find that form of relief
which will best fit the particular need._

Though the foregoing six relief principles could easily be extended to
twenty, yet a {163} bookful of such generalizations would be of no
value to the almoner without a detailed knowledge of the neighborhood
into which relief is to go, and an intimate acquaintance with the lives
of the poor.  It is evident, therefore, that a beginner in charity
should not decide relief questions except in consultation with an
experienced worker.  For instance, a new visitor going to the house of
a widow supporting her aged mother and two children, may find the woman
sick, and receiving only a small pittance in sick benefits from the
society to which she belongs.  There is no apparent suffering, but the
visitor at once concludes that the income is insufficient, and applies
to the nearest relief agency, asking that coal be sent.  As a matter of
fact, the family income is as large as the average income of the
neighborhood, and the woman has never thought of asking relief; if fuel
is sent, the neighbors all know it, and, immediately, there is a
certain expectancy aroused, a certain spirit of speculation takes the
place of the habit of thrift.  There seem, to the simple imaginations
of these people, to be exhaustless stores of relief, which {164} are
somehow at the command of visiting ladies.  Take another instance of a
more difficult kind.  A family has long passed the stage of receiving
relief for the first time; the man is a heavy drinker, the household
filthy, the children neglected.  They appeal at once for assistance.
The children need shoes to go to Sunday-school, the rent is overdue,
the coal is out.  Confronted with such misery, the beginner is very
likely to give, and to compound with his conscience by giving "a
little."  This is the very treatment that has brought them to their
present pass, and only an experienced and intelligent almoner can tell
how far it is wise to let the forces of nature work a cure, and how far
it is wise to prevent extreme suffering by interference.

One trouble in the past has been that the agents employed by relief
societies have not always been intelligent, but there have been great
advances made in this regard, and now, in many communities, the agents
of charitable societies are active, intelligent men and women, who have
received special training for the work.  These agents are often in
communication with {165} many sources of relief, and can save us from
duplicating relief to the same persons--from sending it, that is, where
others are meeting the same need already.  There are many reasons,
therefore, for doing our charitable work in consultation with an
experienced almoner, and friendly visiting, where it has failed, has
usually failed through the visitor's unwarranted assumption that the
giving of material relief was a simple and easy matter, about which
charity workers made an unnecessary lot of trouble.

Collateral Readings: "The English Poor Law," Rev. T. Fowle.  "The
Beggars of Paris," translated from the French of M. Paulian by Lady
Herschell.  "Outdoor Relief," see Warner's "American Charities," pp.
162 _sq_.  "Economic and Moral Effect of Outdoor Relief," Mrs.
Josephine Shaw Lowell in Proceedings of Seventeenth National Conference
of Charities, pp. 81 _sq_.  "Outdoor Relief: Arguments for and
against," in Proceedings of Eighteenth National Conference of
Charities, pp. 28 _sq_.  "Relief in Work," P. W. Ayres in Proceedings
of Nineteenth National Conference of Charities, pp. 436 _sq_.  "Is
Emergency Relief by Work Wise?" the same in Proceedings of
Twenty-second National Conference of Charities, pp. 96 _sq_.

[1] Miss Z. D. Smith in Report of Union Relief Association of
Springfield, Mass., 1887, p. 12.

[2] Fifth Report of Boston Associated Charities, pp. 31 _sq_.

[3] Eighth Report of Boston Associated Charities, p. 25.

[4] Vol. II, New Series, p. 224.

[5] Mrs. Josephine Shaw Lowell in Proceedings of Twenty-third National
Conference of Charities, New Haven, 1895, p. 49.

[6] See Fifteenth Annual Report of the New York Charity Organization
Society, pp. 44 _sq_., and p. 55.




Relief agents working in our great cities usually find that, in answer
to direct questions, the poor are likely to claim connection with some
one of the large denominations, though further acquaintance will often
reveal the fact that this connection is merely nominal.  There are, of
course, many poor people that are active church members, but in spite
of the wonderful activity of all branches of the Christian church
during the last fifty years, in spite of the multiplication of missions
and the devotion of many good men and women to their upbuilding, the
fact remains that many of the very poor are still outside the churches.
In trying to explain this, we have to take into account certain
external conditions, such as the natural shrinking of the less
fortunate from social contact, and the migratory habits of the poor;
{167} but another very important factor in this alienation is, I
believe, the preoccupation of the church with material relief and with
those who clamor for it.

Some of the very poor are ready enough to connect themselves with the
church, but, attending its services and receiving its ministrations
with the one idea of getting assistance, it is not too much to say of
them that they are "pious for revenue only."  And yet, in saying this,
it is necessary to qualify it at once by the statement that the fault
rests not so much with the ignorant poor as with the multiplied and
rival church agencies that tempt them to hypocrisy and deceit.  If the
church could only have a good, wholesome, terrifying vision, and see
itself as the poor see it!

"A friend of mine," writes a London charity worker, "heard two very
respectable women talking.  One said, 'Well, Mrs. Smith, how have you
fared this Christmas?'  'Oh, very badly; I had very little relief.'
The other replied: 'Well, Mrs. Smith, it is all your own fault; you
will go and sit in the side aisle of the church, where nobody ever sees
you.  If {168} you would sit in front, you would be helped as we all
are.'"  Writing of conditions too common in America, Rev. George B.
afford says: "Families transfer their connection from one church to
another, or, with an impartiality rare in other relations, distribute
their representatives among several Sunday-schools or churches, gaining
by pseudo-devout arts what they can from each: Methodist clothing;
Baptist groceries; Presbyterian meat; Episcopalian potatoes; Roman
Catholic rent; Universalist cash, available for 'sundries,'--all are
acceptable to the mendicant pensioner of religious charity.  One
family, now at last well advertised, in an eastern city found its
numerous youthful progeny effective leeches as applied to the several
Sunday-schools among which they were distributed.  The 'widowed' mother
underwent frequent conversion; the children enjoyed the benefit of as
frequent baptism.  On a certain gathering of clergymen of different
churches, when one after another had told the story of his
discomfiture, all joined to congratulate the single representative of
the Baptist denomination present on his happy escape {169} from the
imposture, under which several others had in turn baptized the
children.  But from him came the sad confession that he had baptized
the woman herself." [1]  In my own city, a family made a small child
not their own a source of income by having it baptized frequently in
different churches, so that three charitable members of three Episcopal
churches were astonished to find, on comparing notes, that they shared
the responsibility of being the child's godmothers.

But it is needless to multiply illustrations; almost every church has a
collection of such experiences, and the bad effects of successful
deception upon the deceivers are apparent enough.  I pass to the
important fact that this class of the poor, though numerically
insignificant by comparison with the poor in general, are yet so much
in evidence as the objects of Christian zeal, and the church wastes so
much time in coddling them, that the self-respecting poor often hold
aloof.  It is a common thing to hear a poor man say that he is not
going to attend church, and be suspected of {170} trying to get
something.  It does not increase his respect for Christians to find
them easily deceived, and it outrages his sense of justice to see that
laziness, drunkenness, and vice are rewarded by church workers.  Even
among tramps, the variety known as the "mission bum" is looked down
upon by his fellows, and there is a lesson for the mission worker in
this simple fact.

In writing thus frankly of home missionary work, I am not unmindful of
all the difficulties with which Christian ministers have to contend.
Many of them are as much alive to the dangers of indiscriminate relief
as any one can be, and many of them have risked unpopularity and
misunderstanding to lift their churches out of the tread-mill of
ineffectual, dole-dispensing charities into vital contact with the
needs of the poor.  The difficulties of Christian ministers are
twofold.  Their first duty is to develop the charitable instincts of
church members, to overcome the selfishness and inertia of the natural
man.  When they have succeeded in arousing a desire to do something for
somebody else, they must also furnish ample opportunity for {171} the
exercise of this newly awakened impulse.  Now the charitable
development of the individual follows the development of the race; the
individual outgrows slowly, if at all, the sentimental and patronizing
view of poverty.  To carry church members beyond this phase and make
them effective workers, genuine powers of leadership are needed, and it
is much easier to let them follow their own devices.  We have seen in
the last chapter that relief work, if well done, is the most difficult
of all charitable work, but nine inexperienced workers out of every ten
will think it the best and easiest means of helping the poor--the only
means, in fact.

A difficulty to be reckoned with, and yet one with which it is hard to
have any patience, is the rank materialism that regards relief as a
legitimate means of attracting people to the church.  Relief as a
gospel agency has done far more harm than good: you cannot buy a
Christian without getting a bad bargain, and yet, competition among
rival churches working in the same poor neighborhood is so sharp that
even now, in these days of coöperative {172} effort, we find that the
sordid appeal is made.  "I call it waste," wrote the late Archbishop of
Canterbury, "when money is laid out upon instinct which ought to be
laid out upon principle, and waste of the worst possible kind when two
or three religious bodies are working with one eye to the improvement
of the condition of those whom they help, and with another eye directed
to getting them within the circle of their own organization.  When each
of those religious bodies does so work, say upon a single large family,
and, feeling quite sure of one member of the family, nourishes great
hopes of the rest of the members of the family that they will become
true and orthodox members of their own community, I call that not only
waste--I call it demoralization of the worst conceivable kind, for a
reason which the poet puts thus, 'What shall bless when holy water
banes?'  The demoralization produced is the worst possible, because the
highest possible thoughts are used as mere instruments for low ends."


One result of using relief as a bribe is that the gift no longer has
for its sole object the relief of distress, or the restoration of the
receiver to independence, and is likely, therefore, to be inadequate.
"One clergyman with whom I remonstrated on the uselessness of giving
1s. when 20s. was needed, said it was impossible for him to do as we
did and give adequate relief, as it would cause jealousy amongst both
district visitors and parishioners if he gave more to one case than to
another, so 2s. 6d. was generally the limit." [3]

In enumerating the natural sources of relief, I have mentioned the
church after relatives, friends, and neighbors.  The church is not a
natural source of relief when it becomes a general relief agency,
giving inadequate doles to large numbers of dependents.  It is a
natural source of relief for those who have sought its ministrations
from religious motives; when these become dependent, it is the church's
privilege to aid them privately, {174} tenderly, and adequately.  Even
beyond its own membership, the church can safely undertake the giving
of material relief, when this is incidental to the carrying out of
other plans for the benefit of the poor; incidental, for instance, to
the work of friendly visiting, with a view to furthering a visitor's
plans for improving a family's condition.  But the gift must be free
from the suspicion of proselytizing.

Protestants often criticise the Roman Catholic church for expecting the
very poor to pay toward the support of the church.  They criticise, in
their ignorance, one of the wisest measures taken by the Church of Rome
for strengthening its hold upon the people.  Poor Roman Catholics are
far more likely than poor Protestants to think of the church as
belonging to them, as a power which exists not only for them but
through them.  Wherever the Protestant church has gained an equally
strong hold upon the poor, it has made equal demands upon their loyalty
and self-sacrifice.

After all has been said in objection to past {175} and present methods
of church charity, we must realize that, if the poor are to be
effectually helped by charity, the inspiration must come from the
church.  The church has always been and will continue to be the chief
source of charitable energy; and I believe that, to an increasing
degree, the church will be the leader in charitable experiment and in
the extension of the scope of charitable endeavor.  In the church or
nowhere we must find acceptance for the methods advocated in this book.
In the church or nowhere we must seek the organized devotion that shall
protect the children of the poor from greed and neglect, that shall
advance sanitary and educational reforms, that shall supply purer and
higher amusements for the people, and shall bring to them more and
more, as time goes on, of the advantages of modern life.  The church
has already been the pioneer in such work.  In cities where
kindergartens are now a part of the public school system, the first
free kindergartens were supported by the churches, and large charities,
now secularized, were supported by {176} churches until they had passed
the stage of experiment.  Secular agencies are still dependent upon the
churches for workers that can bring the right spirit to charitable work.

Instead of multiplying agencies needlessly, the city churches will find
it to the advantage of their spiritual work to keep up vital connection
with city charities.  A clergyman who has an active church in one of
our eastern cities, has abandoned the plan of starting separate church
schools, societies, or institutions, realizing that many of these are
unnecessary, and that many others, necessary in themselves, are
inadequately supported.  His people are sent instead, according to
their aptitudes, to hospitals, children's charities, societies for
visiting the needy, alms-houses, and homes for the aged.  It may be
objected that the shoulder-to-shoulder contact, the strength of
concentration, is lacking in such a plan.  But the church holds
frequent congregational meetings, where all who have been detailed to
serve as friendly visitors, hospital workers, etc., report to the
church and to the minister.  Each one learns in {177} this way from the
work of the others; weak points in the city's plans for dealing with
the poor are made apparent; and the church is able by united effort to
obtain needed reforms.  The work is understood to be a practical
application of the gospel as taught from the church pulpit, and there
is a natural and vital connection between the spiritual and social life
of the church community.  Two other advantages are apparent.  The
elasticity of the plan makes it possible to find work adapted to many
varying capacities, and all denominational rivalry, all petty jealousy
is avoided.

The friendly visitor from such a church will not visit the poor with a
view to winning them away from other churches to his own.  On the other
hand, he will see the importance of some church connection, and will
strive to restore church relations, if they have been severed, by
urging attendance upon the services of the church and Sunday-school to
which the family naturally belongs.  He will seek the help of this
church's minister in any plans he may make for furthering the family
{178} welfare, and, in this way, a spirit of coöperation between
churches of different denominations will be encouraged.

I cannot leave this part of my subject without mentioning one other
matter, though it is only indirectly connected with friendly visiting.
The training of ministers in our theological seminaries should include
a thorough course of instruction in charitable work.  This would enable
ministers to guide the work of their people in the best channels, and
it would save them, moreover, from the discouragements of the
conscientious worker who is striving to improve social conditions
without any clear conception of the scope and limitations of such
service.  There are many clergymen whose experience and opportunities
for study fit them for leadership in an attempt to establish systematic
training, in the seminaries.  A demand from the laity for more
experienced direction in church charity would also help to hasten the
introduction of regular seminary courses in applied philanthropy.

[1] "Charities Review," Vol. II, pp. 26 _sq_.

[2] "Occasional Papers of the London Charity Organization Society," p.

[3] Miss Pickton in London "Charity Organization Review," Vol. X, p.




I have tried to make a number of specific suggestions in the foregoing
pages, but it is needless to say that only a few of these are likely to
be useful to any one visitor, and it would be fatal to apply them all
to one family.  In the effort to be specific, I fear that I may have
been as exasperating as the cook-books, which, in a similar effort,
will suggest, "take a salamander," or "take a slip of endive," when
neither is obtainable.  Cook-books have their modest uses, however, and
the cooks who are most skilful in skipping recipes not intended for
them will turn the others to the best account.

In avoiding the danger of representing friendly visiting as a pleasant
diversion, I may have gone to the other extreme, and represented it
rather as an arduous and {180} exacting profession.  It is so far from
being this, that professional visiting can never be friendly.  In fact,
friendly visiting is not any of the things already described in this
book.  It is not wise measures of relief; it is not finding employment;
it is not getting the children in school or training them for work; it
is not improving sanitary arrangements and caring for the sick; it is
not teaching cleanliness or economical cooking or buying; it is not
enforcing habits of thrift or encouraging healthful recreations.  It
may be a few of these things, or all of them, but it is always
something more.  Friendly visiting means intimate and continuous
knowledge of and sympathy with a poor family's joys, sorrows, opinions,
feelings, and entire outlook upon life.  The visitor that has this is
unlikely to blunder either about relief or any detail; without it, he
is almost certain, in any charitable relations with members of the
family, to blunder seriously.  Visitors have said to me that they could
not see that they had been of any special service, though their
friendly feeling for certain families made it impossible to stop
visiting.  These visitors {181} who have no story to tell have often
done the greatest good.  "One of the women we had not seen since she
first came to us some four years before," writes Miss Frances Smith,
"and we remembered her distinctly as quite ordinary then.  Imagine our
surprise in finding that a certain dignity and earnestness, akin to
that of the visitor, had crept into this woman's life, and found
expression in her face and bearing.  Such transfigurations cannot take
place in a few weeks or months; they are of slow growth, but they are
the best rewards of friendship." [1]

The rewards of friendly visiting and the best results of such work are
obviously not dependent upon the suggestions of a handbook.  As Miss
Octavia Hill has said, success in this depends no more on rules than
does that of a young lady who begins housekeeping.  "Certain things she
should indeed know; but whether she manages well or ill depends mainly
upon what she is."  Life, therefore, is the best school.
Meddlesomeness, {182} lack of tact, impatience for results,
carelessness in keeping engagements and promises, will be as fatal here
as anywhere.

When we are depressed by a family's troubles and are striving earnestly
to find a way out, theirs seem quite unlike any other troubles.  In a
sense, it is true that they are unlike; but there are certain
resemblances between human beings, even when a continent divides them;
and, unsafe though it may be to administer charity by rule, it is more
unsafe to administer it without reference to certain general
principles.  Many of the suggestions of this book are not of universal
application, but, in bringing it to a close, I shall endeavor to state
a few principles that apply quite universally to friendly visiting.

1.  The friendly visitor should get well acquainted with all the
members of the family without trying to force their confidence.  A
fault of beginners is that they are unwilling to wait for the natural
development of trust and friendliness.  "They expect to make a half
dozen visits on a poor family inside of a month," says Miss Birtwell,
"and see them {183} helped.  Now, which one of us ever had our lives
strongly influenced by a friendship of a month's standing? . . .  I
once heard a sermon which made an impression on my mind that has
remained with me for years.  One of its main ideas was to get your
influence before you used it.  Many people seem to think that if they
can visit a poor family, by virtue of their superior education and
culture, they must immediately have a very strong influence.  They do
not get it that way.  They must get it just as our friends get an
influence over us, by long, patient contact, and by the slow, natural
growth of friendship." [2]

Patience is difficult where we see so many things to be done, and it is
particularly difficult where there is actual need; but the visitor does
not go to act as a substitute for the forces, charitable or other, that
have kept the family alive so far.  He must confer with sources of
relief that are or can be interested, but beyond this he must have the
courage to {184} do nothing until he knows what is the right thing to

It is not possible to visit many families, but there are definite
advantages in visiting more than one--the usual limit should be not
less than two nor more than four.  An advantage in visiting two
families is that the visitor is less likely to be feverishly active
during the earlier stages of acquaintance, and the contrasts and
resemblances between the two give the visitor a better grasp of
principles.  Not only is a new visitor liable to err in overvisiting a
family, but some families have too many charitable visitors.  The New
York visitor, who refused to go to a family on whom three charity
workers had lately called, was wise.  There are families so clearly
overvisited that all who are charitably interested in them should be
persuaded to let them alone for a while.

It ought to be unnecessary to add that the winter is not the only time
for charitable work.  Our poor friends need us quite as much in summer,
though many charities are less active then.  When we are away in summer
we can {185} write, and when we are in town for a short while we can
often find time for a visit.  Charitable work suffers from the
tradition that the only time to be charitable is when it is cold.

Next to uninterrupted visiting as a means of getting acquainted, comes
the power of taking our own interests with us when we visit.  "In our
contact with poor people we do not always give ourselves as generously
as we might.  Intent upon finding out about them, we forget that they
might be interested to hear about us.  Would it not be well if, instead
of always giving sympathy, we sometimes asked it?  It is often
striking, if we tell them about the joys and sorrows of our friends, to
note how they respond, often inquiring about them afterward.  Such
mutual relationship broadens their meagre lives, and makes our contact
with them more human.  A visitor, who has undertaken during the summer
the families of another too far away to visit, wrote: 'I want to tell
you what a matter of interest and pleasure it has been to me, in
visiting your families, to find that what they {186} really seemed to
value was your personal friendship for them, and how they treasured any
little incident you had told them of yourself and your travels.'" [3]

One who visits in this spirit always wins more of pleasure and of
profit from the work.  In fact, it is never the visited only that are

2.  In getting acquainted, the visitor has the definite object of
trying to improve the condition of the family.  This is impossible
unless he has a fairly accurate knowledge of the main facts of the
family history.  Charity workers often come to me for advice about
individual families, and reveal in a few minutes' conversation that
they have no knowledge of the condition of those they would help.  The
head of the family is sick, it may be, and they expect prompt advice as
to the best way to help him; but they have not taken the trouble to see
the dispensary doctor who attends him, or to find out in some other way
the nature of his disease; or perhaps the boy is out of work, but they
have not seen his {187} former employer and know nothing of his earning
capacity or references.  Charitable skill is not a sort of benevolent
magic; it is based on common sense, and must work in close contact with
the facts of life.  In other friendly relations we recognize this, and
in our charity work too, whether by investigation of a trained agent or
by our own inquiries, we must have the facts before we can find out the
best way to help.  One advantage of visiting under the guidance of a
charity organization society is that a thorough investigation has been
made of the family circumstances before the visitor is sent.

The following is a brief outline of the facts that should be known, if
a plan is to be made for the family's benefit:

(a) _Social History._--Names; ages; birthplaces; marriage; number of
rooms occupied; education; children's school; names, addresses, and
condition of relatives and friends; church; previous residences.

(b) _Physical History._--Health of each member of the family; name of
doctor; habits.

(c) _Work History._--Occupations; names {188} and addresses of present
and former employers; how long and at what seasons usually in work; how
long out of work now; earning capacity of each worker.

(d) _Financial History._--Rent; landlord; debts, including instalment
purchases; beneficial societies; trade-union; life insurance; pawn
tickets; has family ever saved and how much?; present savings; income;
present means of subsistence other than wages; pensions; relief,
sources, and amount; charities interested.

In addition to these detached facts, there is also needed whatever
other facts will make a fairly complete brief biography of the heads of
the family, including a knowledge of their hopes and plans.  The
statements of relatives and friends, their theory as to the best method
of aiding, together with some definite promise as to what they
themselves will do; the statements of pastor or Sunday-school teacher,
of doctor, former employers, and former landlords; and the statements
and experiences also of others charitably interested may be needed
before an effective plan can be made.


Inquiries of present employers and landlords should be made with
extreme care, if at all, as they might create prejudice against those
we would help.

The outline here given of the facts needed is best filled in by a
competent trained agent, rather than by the friendly visitor, whose
relations with the family render searching inquiry difficult and often
undesirable.  But the mercifulness of a thorough investigation is that,
once well done, it need not be repeated, and by saving endless
blundering it also saves a family from much charitable meddling.  Its
seemingly inquisitorial features are justified by the fact that it is
not made with any purpose of finding people out, but with the sole
purpose of finding out how to help them.

3.  Gathering facts about the poor without making any effort to use
these facts for their good has been compared to harrowing the ground
without sowing the seed.  The facts should be made the basis of a
well-considered plan.  It may be necessary to modify our plans often,
as circumstances change or new facts are discovered; but a plan of
treatment {190} is as indispensable to the charity worker as to the
physician.  Our plans must not ignore the family resources for
self-help.  The best charity work develops these resources.  If outside
help is needed, it should be made conditional upon renewed efforts at
work or in school, upon willingness to receive training, upon
cleanliness, or upon some other development within the family that will
aid in their uplifting.  All this is suggested, not with a view to
making the conditions of relief difficult, but with a view to using
relief as a lever; or, as some one has put it, we should make our help
a ladder rather than a crutch, and every sensible, reasonable condition
is a round in the ladder.

Our plans for the benefit of one family must not ignore the possible
effects of our action upon other families.  This is a hard lesson to
learn, but a plan that might be kind and effective, if there were only
one poor family in the city, is often unfair and even cruel, because it
rouses hopes in others which can never be fulfilled.  In other words,
we must be just as well as merciful.  A {191} knowledge of the
neighborhood and of the circumstances of other poor families is
necessary in judging of the justice of a plan, and here the criticism
and advice of an experienced charity worker will be very helpful.

It is necessary also to guard against making our plans with reference
to nothing but the present emergency.  We must have a view to the
future of the family, and must think not only of what will put them out
of immediate need, but of what is most likely to make them permanently
self-supporting, if this be possible.  There are, of course, families
that can never be made entirely self-supporting.  These, if we consider
only the cases for which it is thought best to provide outside of
institutions, will be the exceptions; but in making plans for the
welfare of such families we must try to organize help that shall be as
regular and systematic as possible.  Next to having to depend upon
charitable resources at all, the most demoralizing thing is to be
dependent upon uncertain and spasmodic charity.

4.  In plans looking to the removal of the causes of distress, the
greatest patience is {192} needed, and we must learn also, if we would
succeed, to win the coöperation of others charitably interested.  If
our plan with regard to a family is likely to prove permanently
helpful, and we are able to persuade others to work with us in carrying
it out, we are not only helping the family, but we are educating others
in common-sense methods.  In persuading to an important step, the value
of coöperation is illustrated by an instance taken from the Fourteenth
Report of the Boston Associated Charities:[4] "A respectable woman, who
had struggled for a year to keep her insane husband with her and the
little girls, at great risk to them and the neighborhood, was persuaded
in but a few days to let him go to the lunatic hospital.  Of course, as
strangers, our opinions were entitled to little weight; but by
collecting the doctor's opinions and those of her own friends, all of
which she had heard singly, she was sufficiently impressed to take the
long necessary step."

5.  Though we must make plans looking toward self-support, these are
not the only plans {193} within the scope of friendly visiting.  Some
of the best visiting can be done after families are no longer in need.
The entry "dismissed--self-sustaining" on charitable records has a very
unsatisfactory sound to those who realize the further possibilities of
friendly help.  After a family has learned to live without charitable
aid, there is a better chance of introducing its members to thrifty
ways of spending and saving, to better recreations, and to healthier
and more cleanly surroundings.

6.  Our work as friendly visitors is an intensely personal work, and,
unlike other charity, it is best done alone.  We cannot visit in
companies of two or three, nor can we talk very much about our poor
friends, except to those charitably interested, without spoiling our
relations with them.  The district system of visiting among the poor,
which is still the system of German towns and of English parishes,
assigns a certain geographical boundary to each visitor.  It has been
called the "space system" in contrast to the "case system" of friendly
visiting.  The main objection to it is that it is not personal enough.
{194} One who is a friend to a whole street is not felt by the members
of any particular family to belong peculiarly to them, and there is
danger, moreover, of more official relations and of small jealousies
and neighborhood entanglements that are avoided by the friendly
visiting plan.

The district visitor is the ancestor of the friendly visitor.  Brewing
a bit of broth for an aged cottager, reading beside some sick-bed,
sewing a warm garment for Peggy or Nancy--it is thus that our ancestors
lightly skimmed the surface of social conditions.  It would ill become
us to speak slightingly of the work of those who have handed down to us
a precious freight of human sympathy and tenderness.  If heavier
burdens of responsibility, more serious problems and more strenuous
ideals are now imposed upon us, we have also many advantages that were
undreamed of a hundred years ago.  Now, if we would be charitable, and
possess any power of using the forces at our command, there are
hundreds of avenues of usefulness open to us where formerly there was
only one, and there are hundreds of {195} agencies ready to help.  We
must know how to work with others, and we must know how to work with
the forces that make for progress; friendly visiting, rightly
understood, turns all these forces to account, working with the
democratic spirit of the age to forward the advance of the plain and
common people into a better and larger life.

Collateral Readings: "Friendly or Volunteer Visiting," Miss Zilpha D.
Smith in Proceedings of Eleventh National Conference of Charities, pp.
69 _sq_.  "Friendly Visiting," Mrs. Marian C. Putnam in Proceedings of
Fourteenth National Conference of Charities, pp. 149 _sq_.  "Class for
the Study of Friendly Visiting," Mrs. S. E. Tenney in Proceedings of
Nineteenth National Conference of Charities, pp. 455 _sq_.  "The
Education of the Friendly Visitor," Miss Z. D. Smith in Proceedings of
Nineteenth National Conference of Charities, pp. 445 _sq_.  "Friendly
Visiting," Mrs. Roger Wolcott in Proceedings of International Congress
of Charities, 1893, volume on "Organization of Charities," pp. 108
_sq_.  Also Miss F. C. Prideaux in same volume, pp. 369 _sq_. and
discussion, pp. 15 _sq_.  "Continued Care of Families," Frances A.
Smith in Proceedings of Twenty-second National Conference of Charities,
pp. 87 _sq_.  "Friendly Visiting as a Social Force," Charles F. Weller
in Proceedings of Twenty-fourth National Conference of Charities, pp.
199 _sq_.  "Company Manners," Florence Converse in "Atlantic," January,
1898.  (This story is not a fair picture of associated charity methods,
but points out one of the dangers of spasmodic visiting.)

[1] Proceedings of Twenty-second Conference of Charities, 1895, p. 88.

[2] Proceedings of International Congress of Charities, volume on
"Organization of Charities," p. 21.

[3] Eleventh Report of Boston Associated Charities, p. 31.

[4] p. 27.



The illustrations of friendly visiting in the preceding pages have been
given with a view to elucidating some particular part of visiting work.
Some of the following instances show the possibilities and
discouragements of continuous visiting, and the last illustration
emphasizes an important fact in the life of poor neighborhoods; namely,
the unconscious but restraining and uplifting influence of good
neighbors.  On this same phase of the subject, see Charles Booth's "Life
and Labor of the People," Vol. I, p. 159.

_Home Libraries and the Visitor._--A visitor reports that "a library has
been established in the room of Mrs. ----, where the boys of the tenement
house meet every Saturday afternoon to receive or exchange their books,
discuss with the visitor the books they have read, listen to stories as
they are read or narrated, and to play games.  This little gathering
seems to have improved the moral and social atmosphere of the entire
tenement house."

The woman who has charge of the library first became known to this same
visitor over four years ago, {198} when she was struggling upon the verge
of starvation, and almost giving up in despair from the effort to support
herself and her two children.  Through the efforts of the visitor she is
now comfortable and practically self-supporting.  She has been made
librarian for the tenement house by the visitor, and is proud of the
distinction.  The following are the exact words of the visitor: "She
welcomes the children into her room, made scrupulously clean and
attractive; and as she sits at her work and listens to their games and
readings, in which she frequently participates, her depressed spirits
rise, and she seems to gain courage, and to feel that there is after all
something bright in her life."--Sixteenth Report of Cincinnati Associated
Charities, p. 13.

_After Five Years._--The C. family--father, mother, and eight
children--were in a very depressed condition when I first made their
acquaintance, five years ago.  The father, who was a consumptive, had
lost his position of travelling postman; the mother was ill; and the only
source of income was a monthly pension of $8.00 and about $8.00 a week
earned by the three eldest girls, who were saleswomen.  The rent was
$15.00 a month, and the family heavily in debt.  I succeeded in finding
them a house for $9.00 a month, and found assistance in flour, coal, and
clothing.  An unknown friend undertook to add $1.00 a month to {199} Mr.
C.'s pension, and this paid the rent.  Twice, when the girls were ill,
the Golden Book Fund came to the rescue and made up the temporary
deficiency.  I tried to represent to them the dignity of keeping a roof
over their heads by their own efforts.  First, it became possible to
dispense with the monthly gift of $1.00.  Later, when the girls' wages
were raised, Mrs. C. told me I need not provide fuel,--they would now try
to do that themselves.  One summer, whilst I was away, the youngest child
died, and the funeral expenses were paid by the family, through much
self-denial.  Every year the girls have been sent to their friends in the
country by the Fresh Air Fund of the Y.W.C.A., and once the younger
children were sent to the Children's Country Home.  The parents continued
in wretched health; but as the girls' wages gradually increased, I was
asked by Mrs. C. not to provide further aid, except in case of sickness.
In 1891, Mr. C.'s pension was more than doubled, but they continued in
their poor and unattractive neighborhood until every debt was paid, not
forgetting the doctor.  Last summer they moved into a larger house on a
pleasant street, and have enough lodgers to pay more than half the rent.
Mr. C.'s health has improved, and he has a light position at $25.00 a
month and his meals.  The oldest girl has married well, the two other
girls are good workers, and my old friends sure now well on their feet.
During absence we have {200} corresponded regularly.  Mrs. C. has learned
to come to me in every difficulty, and knows how gladly I share her
encouragements.--"Charities Record," Baltimore, Vol. I, No. 1.

_Persevering under Difficulties._--We are each year more strongly
impressed with the importance and value of patient and careful visiting,
even in the face of great discouragement, believing that sincere and
judicious friendliness is invariably helpful, although it may be long
before any apparent result is produced.  Proofs of this are constantly
coming to us, as in a German family which has been for the last six years
under the care of one of our visitors.  The family consists of father,
mother, and five children, and, when first visited, they were found
almost destitute,--the woman earning a little by picking berries in the
summer and selling them, and the man by picking coal,--though they were
well able to work.  The visitor was received very ungraciously at first,
and it was only after finding some work for the man, and showing a real
interest in the children, that she gained any hold upon them.  No really
marked improvement took place until the children went to the Industrial
School.  Then the girls taught their mother how her work should be done,
and it was with great pride that they showed the visitor how neat they
had made their rooms.  Work was obtained for the man as {201}
night-watchman at $12.00 a week, and, after a while, he was able to pay
off all his back debts.  He is now always glad to see the visitor.  Three
of the girls are at work, and they seem a happy and prosperous
family.--Tenth Report of Boston Associated Charities, p. 55.

_Widow with Children._--A typical case of chronic dependence is that of a
widow with six children.  When she was referred to us, nearly four years
ago, her children were very young, and she, though well-meaning, was
stupid and inefficient.  The problem was not whether aid should be
given,--that was clearly necessary, for the woman could not earn anything
with her little children to care for,--but if the aid could be given in
such a way as to really benefit them.  Relief was procured from the
proper sources,--$20.00 a quarter from the "Shaw Fund for Mariners'
Children," $2.00 a month in groceries from the city, and at times $1.00 a
week from the St. Vincent de Paul Society.  The visitor who first
interested himself in the family, and who has been their friend and
counsellor ever since, received the quarterly $20.00 for them, paid the
rent with $13.00 of it, and gave the rest to the woman, who knew just
what she had to depend upon, and learned to use it properly.  As the
children grew older, the boy went into a district telegraph office; and
the girl, wishing to go into a store, asked the visitor to find her a
place.  He thought, however, {202} that it was wiser to teach her how to
find one, and, after suggesting some good establishments to which to
apply, told her to get references from her schoolteacher and others, and
go herself to ask for work.  This she did with some difficulty, and got a
place; and when, after a time, she gave it up, she knew what to do, and
had no difficulty in finding another.  The boy refused to be apprenticed
to a joiner, as the visitor wished, but is working hard in a place he
found himself.  The second boy goes to school, and sells papers.  In
summer, the visitor, with the consent of the Conference, has sent the
younger children into the country to board for a month.  He has taken
pains to have the family live in a healthy tenement, and in many ways has
insured their well-being.  They are now partially self-supporting; and
the older children are respectable and industrious, which we feel is
greatly due to the influence that the visitor has exerted over them and
their mother for four years.--Fourth Report of Boston Associated
Charities, p. 40.

_A Failure._--Gamma made his first application to the Charity
Organization Society seven years ago, at a time when it was even more
difficult than now to find volunteer visitors who were intelligent and
faithful enough to make a careful study of the needs of families placed
under their charge, or courageous enough to carry out any thorough plan
of treatment in these {203} families.  The man was a German cobbler who
had married an American domestic, and at that time there were three
children, one of them an imbecile with destructive tendencies.  The man
said he was discouraged, that he got work with difficulty and had no
tools with which to do it.  Materials were furnished and members of the
Society found work for him, but, this form of assistance not being very
much to his mind, they soon lost sight of him, and it was not till
several years later that the Society again encountered the family in a
different part of the city, and a friendly visitor was secured to study
their condition and try and improve it.

The visitor reported that the man was "discouraged," the house filthy
beyond description, and that the life of the fourth child, then nine
months old, was endangered by the imbecile boy, who was violent at times.
Aid was given, and, the man's own theory being that he could do better in
another neighborhood, the family was moved and otherwise aided by money
secured from benevolent individuals.  It soon became apparent that the
man lacked energy.  He was given to pious phrases, and was a good talker,
but all efforts to inculcate industry or cleanliness were met both by man
and wife with the excuse that the imbecile boy interfered with all their

At the family's own solicitation, the Society tried to find a home for
the boy; after months of negotiations {204} he was placed in the School
for Feeble-minded at Owing's Mills.  This burden removed, the visitor
redoubled her efforts to make the home a decent one for the remaining
children, but without success.  The beds were not made until they were to
be slept in, the dishes not washed until they must be used again, and
soiled clothing was allowed to stand in soak a week at a time in hot
weather, until a heavy scum gathered on the top and the air was poisoned
by the stench.  The remaining children were unkempt and untrained, and
the woman quite indifferent about their condition.  The imbecile had
improved at Owing's Mills, but, owing to a half-expressed wish of the
mother's to see the boy, Gamma brought him home and refused to take him
back again.  The man's good intentions always seemed to evaporate in fine
phrases.  He was reported by the neighbors to be drinking, though not
heavily, and one morning the visitor received a letter from him saying
that she must take care of his family--he could stand it no longer and
had left them.

One thing greatly handicapped the visitor at this time and later: the
squalor of this family strongly appealed to chance charitable visitors,
who helped them liberally because they looked miserable--helped them
without knowledge and without plan.  It used to be said that every
American thinks he can make an after-dinner speech, and it might have
been added that every American, or nearly every American, thinks {205} he
can administer his own charities judiciously.  When we are mistaken in
our speech-making ability, we ourselves are the sufferers, but the
saddest thing about our charitable blunders is that not we but the poor
people are the sufferers.  The friendly visitor to the Gammas was a woman
of unusual intelligence and devotion.  Her failure may be traced to two
causes: to the fact that she was not called in earlier, and to the
willingness of many good church people to help quite indiscriminately for
the asking.  They went and looked at the home, saw that it was wretched
indeed, and called this "an investigation."  "Yes, I've helped the
Gammas," they used to say.  "I've investigated their condition myself."
The way in which Gamma was in the habit of talking about the Bible as his
best friend made a great impression on them.

The man's desertion of his family was a mere ruse.  He was soon back
again, and ready to profit by the help they had obtained.  Moving from
place to place to avoid rent, they were at last ejected, and the man,
wife, and children, including the imbecile, found refuge in the stable of
a kind-hearted man who took pity on them.  The owner was alarmed,
however, when he found the family making no effort to find other
quarters, and fearing the imbecile might set fire to the place at any
time, he applied to the Charity Organization Society to know what could
be done.  We offered the woman and children shelter at the Electric
Sewing {206} Machine Rooms, until the boy could be sent back to Owing's
Mills and the other children committed to the Henry Watson Children's Aid
Society, and advised that the man saw wood at the Friendly Inn until he
could get work.  The man refused to go, but the woman and children came
to the Electric Rooms, and with the coöperation of the Society for the
Protection of Children, the imbecile was returned to Owing's Mills.

At this juncture the daily papers interfered with our plans for the
children by publishing a sensational account of Gamma as a most
industrious shoemaker, who had always supported his family until the hard
times of the last year had thrown him out of work.  Money was sent to the
papers for the family.  Gamma, who had consented to have two of the
children placed in good country homes by the Henry Watson Aid Society,
changed his mind, and the old story of indiscriminate charity and
indiscriminate filth and neglect began all over again.  The gentleman who
had given them shelter thought they ought to have another trial.  They
had had six years' trial already, but this last one was of short
duration.  In four months their champion returned to say that the Charity
Organization Society was right and he was wrong; that he had found Gamma
drunken, lazy, and insolent; and that the children raised under his
influence must become paupers and criminals.  Again the family were
ejected, and this {207} time, before public sympathy could interfere, the
two older children were committed to the Henry Watson Aid Society, and
only the baby left with Mrs. Gamma.

Our advice to Mrs. Gamma was to return to her mother, who offered her a
home.  But the advice was not taken.  Established in another part of
Baltimore, Gamma renewed his attack on the clergy, and told one minister
that he was a hardened criminal who had served a term in the
Penitentiary, but, after hearing one of his sermons, he desired earnestly
to reform.  The latest news about the Gammas is a bit of information in
which the charitable public will have to take an interest, however
reluctantly, before very long,--there is a new baby.--"Charities Record,"
Baltimore, Vol. II, No. 8.

_A Success._--The second family consisted of a respectable, middle-aged
woman who had been twice married, four children of the first marriage,
and the second husband.  The eldest daughter had married, and with her
husband occupied part of the house in which her mother lived.  The other
three children were young.  The second husband was a drunken fellow, who
did little for his wife's support and abused her badly.  She had been to
the hospital to have a serious operation performed; and, although the
operation had been successful, her health was still poor.  When first
known by the Conference the family were {208} in great destitution.  The
husband brought home very little, the wife could not work, and one of the
children earned a mere trifle.  The rent was unpaid, and almost the only
food the family had was oatmeal.  The married daughter and her husband
said the family had been long enough quartered on them, and refused to
help them any more.  The only work the woman thought she could do was
sewing, and some of this was found for her.  Diet Kitchen order was
obtained for one of the children who was ill, and shoes were given to the
others.  Later, the Provident Association gave groceries.  At this time
the first visitor left the city, and a new one took charge of the family.
She writes: "On first calling on Mrs. X., I found a tidy,
respectable-looking woman, apparently in delicate health.  Her face was
almost that of a lady, and her manners were polite; but she did not make
me very welcome.  She spoke with affection of her former visitor, who,
she said, had been very kind; but she presently remarked that she could
not see why 'all these other people' had come prying into her affairs."
On inquiry it was learned that after the former visitor had left town
representatives of several charitable societies had called, and that one
had hurt the woman's feelings by asking all kinds of questions without
giving any explanation of his so doing.  The visitor explained that she
knew the former visitor, and had been asked to call in her place; and,
after {209} some sympathetic explanation, the woman seemed a little
cheered.  However, she resented the grocery orders she was receiving,
saying that she did not wish charity--that she was willing to earn her
living by sewing.  "Why could she not have that instead of grocery
orders?"  As to sewing for the shops, she said she could not do that; for
shop-work was too low paid, and she could not work on the machine.  Plain
hand-sewing was the only thing she could do.  When told that certain
sewing to which she referred was charity sewing, and was only given out
in winter, she exclaimed, "Then it is not work at all, but charity, just
like the grocery orders."  When the visitor said good-by, she was invited
to call again.  She did so repeatedly, seeing the family once a week or
oftener.  On account of the drunken husband, some question was raised as
to whether the groceries should be given regularly, but Mrs. X. stated
that her husband never shared the food.  He was away from home most of
the time.  Sometimes he would come home Saturday night and bring some
money, and then he would take his meals at home; but, when the money was
gone, he would go out for his meals, never asking how his wife and
children fared in his absence.  It did not appear that his disregard was
due to his thinking that others would care for the family.  The wife
insisted that he did not think or care how they fared.  He had sometimes
left her for weeks, when {210} she was ill in bed, and had never asked or
known how she had been kept alive.  He appeared to be so utterly
irresponsible that he could not be made more so.

At the visitor's suggestion, it was soon decided that the younger
daughter should take a place at service, where she could earn something
and yet go home every night.  Such a place the visitor found for her, and
the girl was eager to save money to buy herself a coat for the following
winter.  The needs of the family, however, made it necessary to take the
earnings for living expenses; but the visitor promised that somehow a
coat for the winter should be forthcoming.  When the employer closed her
house in July, the visitor found a situation for the girl for the summer
in one of the country towns.  Of this time the visitor writes: "All the
time I felt that the family were suffering more than was right.  The
children were fatherless and with a sick mother, and little A. was
constantly ill, first one thing and then another, the doctors saying that
he was under-nourished.  Mrs. X. did jobs of washing and scrubbing as she
could get them or was able, and the two children of thirteen both worked.
So a benevolent person consented to take entire charge of the family,
giving just what I should think proper.  Accordingly, from that date to
October 10 an average of $2.65 a week was given, besides $13.00 for
clothes and other things.  Also, {211} Mrs. X. and the two boys were sent
to the country for one week.  Notwithstanding this, Mrs. X. felt the
summer a hard one.  She was not a brisk or cheerful woman.  She had
suffered a great deal from the heat, and A. had diphtheria and other
illnesses."  In the fall it was arranged that the girl should again go to
school; and the married sister finally offered, in order to make this
possible, to board her and provide her with boots until Christmas.  The
Provident Association, after considering the case carefully, offered to
give $2.00 a week and coal and clothing.  The friend who had been giving
all the help stood ready to give if more than this was needed.  Two
months later Mrs. X. had her husband arrested, and sent to the Island for
a month.

In the winter Mrs. X. consulted her visitor as to the possibility of her
giving up the Provident help and supporting herself by taking boarders.
"She had friends all ready to come, and could arrange to hire additional
rooms.  All she needed was extra bedding.  She felt confident of success.
Her health was better than it had been for a long time, and she was
improved in energy and courage.  By dint of great persuasion, the
Provident consented to give the bedding.  They also promised to continue
giving coal; but the other help, it was arranged, should stop.  They had
little hope, however, that the experiment would succeed.  But the
experiment did succeed, and better {212} than I had anticipated.  Mrs. X.
proved a good manager.  She made a comfortable home, clothed the
children, and provided many little comforts of which they had long been
deprived.  She became cheerful and hopeful for the future.  She seemed
like a different person from the sick, discouraged woman I had known nine
months before.

"When her husband came home from the Island, I feared he might disturb
this prosperity, for he acted worse than ever; but in January he attacked
her with a knife, so she had him again arrested, and sent to the Island
for four months.  She then told me she wished to take steps for a
separation.  I encouraged her in this decision, but was careful not to
urge her, for I felt that such a step to be successful must be taken by
her own desire.

"So, as spring approached, I hoped that better days had really come for
this family.  Unfortunately, however, in March a sad accident brought
this prosperous state of things to a sudden end.  On the morning of March
10, N. brought me word that his mother had fallen downstairs and broken
her arm, and asked me to call as soon as possible.  I found the poor
woman in bed, with her right wrist broken, and her face and body badly
bruised.  She was in great pain, and so discouraged that it was pitiful.
Her boarders had gone, and she found herself once more dependent on
charity; but I felt I could say {213} from a full heart that the help she
now needed would not be grudged to her.  For, surely, no one could help
respecting her endeavor for self-support or could regard her effort as a
failure; and, when her accident reduced her once more to dependence, her
rent was paid for the rest of the month, she had a bag of flour and other
groceries in the house, and $8.00 in money with which to pay the doctor
for setting her wrist."  The visitor adds: "I think that during this
year's visiting Mrs. X. had really learned to regard me as a friend.  At
first I do not think she liked me very well, and I also found it hard
cordially to like her.  We were not naturally sympathetic.  I am afraid
that she often thought me hard; and she had a dreary, complaining way
that tried me a great deal.  But her good qualities commanded my respect
and her misfortunes my pity; and on her my evident desire to befriend her
gradually had its effect.  Her first expression of real feeling was when
she consulted me about her plan for taking boarders, and that was after
nine months of constant visiting.  She then said that I was the only
friend that she had in the world; and later, when the plan was in
successful operation, she told me that she attributed all her prosperity
to me, and that she was a star in my crown.  That she owed all her
prosperity to me was of course an exaggeration.  I could not have helped
her had she not been the essentially decent woman she was.  But, at the
same {214} time, it was true that, had she not been helped and encouraged
when her destitution was so great, she would probably have lacked both
the physical and moral strength, as well as the opportunity later, to
stand upon her own feet.  And, when her bad fortune again overtook her,
it was much for her that she had a friendly visitor to turn to.  She felt
it so herself; and, as she lay moaning with pain, she sobbed out that I
was the only comfort she had on earth."

After the breaking of her wrist, Mrs. X. was dependent for a long time,
since the wrist did not knit properly, and her right hand was almost
disabled.  It did not seem as if she could ever get on her feet again.
But after a time she wished to move to one of the country towns where she
had acquaintances.  The visitor went to the place herself to examine the
chances, and decided that the plan was worth trying.  The Provident
Association gave $10.00 for moving and $10.00 more for a start.  After
that the visitor gave a little from time to time; but, for the most part,
the family were self-supporting.  The boy worked in a factory, the girl
was employed by a neighbor, and the mother raised hens and vegetables.
At last accounts the daughter was married.  Her husband is of good
character and prosperous.  Both the brothers are earning good wages, the
younger one having grown from a sickly child to a strong and hearty boy.
The mother is successful with her poultry, and gets high prices for {215}
the eggs.  The husband comes and goes as formerly, contributing nothing
to the family income, but doing no special harm to any but himself.
Certainly, the present condition of the family is a very happy contrast
to that in which they were first found; and certainly, also, these
changed conditions are in no small degree due to the earnest and devoted
efforts of the visitor.--Sixteenth Report of Boston Associated Charities,
pp. 45 _sq_.

_Unconscious Influence of Good Neighbors._--I would venture to say that
there is not an immoral man or woman in neighborhoods known as
disreputable, however completely he or she may have cast off
self-restraint and regard for character, who has not daily examples of
persons, close to such homes and haunts of vice, living honest and
morally clean lives, and who is not, to a degree not consciously known,
restrained and influenced by the contact. . . .  Space will not permit
many instances to be stated, but, as illustrating what I am wishful to
make clear, I give two.  In a court behind a street well known as bearing
almost the worst character in Manchester lives a man, paralyzed, unable
to leave an old sofa which has been his bed for months.  He was in the
Royal Infirmary, and there pronounced incurable, but likely to live years
with ordinary care.  He could have been taken to the workhouse hospital
at Crumpsall, where he would have {216} had careful nursing and suitable
food.  He has no dread of the workhouse hospital, and would gladly go if
he had any hope of cure.  He speaks most gratefully of his treatment at
the Royal Infirmary.  But there is no hope of cure, and his wife and he
have determined to keep together while he lives, and he refuses the
comforts of the hospital, and she refuses to let him go from her.  She
has made her home in this court, working in the room in which he lies,
with only another room for their four children.  She earns an average of
5s. weekly; her eldest boy earns at a situation 5s. more, and on what is
left out of 10s., after paying 2s. 6d. rent, and buying coal and light,
the six live.  (The condition of things is now improved by the guardians
deciding to take two of the children into Swinton Schools.)  This is a
simple and very ordinary story.  But what is the effect of the woman's
work?  She says little to her neighbors.  Her high purpose and her
complete devotion to her husband and children have made other women
ashamed of sin, and made men wish themselves worthy of women like her.
She has no thought that she is doing anything but giving her life for her
husband and children, has no knowledge of what the words "unconscious
influence" mean--but none the less she is "a light shining in a dark

Another illustration.  An old man, for forty years a laborer, never
earning more than a weekly wage of {217} 20s., who had brought up three
sons (now decent working men, married, with families), became unable to
work longer, and is allowed 5s. weekly by his last employer; the rent is
paid by his sons, who also give an occasional shilling when they visit
him.  This is the whole income for himself and his wife.  Some time ago
when in the street he met a young woman whom he recognized as the
daughter of a man who used to work with him.  He saw that she was out for
immoral purposes and spoke to her, telling her how sorry he was to find
her leading such a life.  As she appeared sorry and repentant, he took
her home to his wife to take care of her until he could see her father.
He found that the father had moved to Bury, having left his work in
Manchester from shame at his daughter's disgrace.  On the Sunday, when he
could expect to find the father at home, the old man walked the seven
miles to Bury and found his former mate, but could not prevail on him to
take his daughter home.  In fact, the father was very angry at being
asked, and refused to listen.  The old man walked back and told his wife
that the girl must stay with them until the next Sunday, when he would
try again.  The next Sunday the old man walked to Bury and saw the
father, who was somewhat softened, but still refused to see his daughter.
A walk home again, and the old man and his wife settled that the girl
should remain with them for another try to be made, and on the next
Sunday he set out on the {218} road, hopeful to succeed.  The father this
time gave way, and on the following Monday the daughter went home, and
has since lived at home working regularly.  The old man and his wife
don't know that they have done anything "out of common," or anything more
than ought to be done, "for a poor lass."--"Drink and Poverty," by
Councillor Alexander M'Dougall, pp. 7 _sq_.



  Accident, damages for, 23, 104.
  Addams, Miss Jane, 72.
  Adequate relief, 157-159.
  Adulteration of food supplies, 113.
  Advertising, philanthropic, 148.
  American Society for the Extension of University Teaching, 137.
  Associated charities.  See _Charity organization societies_.

  Babies, care of, 77-78.
  Bad temper as a cause of unemployment, 37.
  Barnato, Barney, 10.
  Barnett, Mrs. Samuel, 134-135.
  Baths, cheap, 96.
  Beale, Miss J. F., 130.
  Beggars, 25-27; child, 88-89; and free soup, 149.
  Beneficial and fraternal societies, 122-123; as a source of relief, 150.
  Birtwell, Miss M. L., 182.
  Boarding-out dependent children, 90.
  Books, lending, 133.
  Booth, Charles, 197.
  Bosanquet, Mrs. Bernard, 18, 29, 48, 49.
  Boston Symphony Orchestra, 135.
  Breadwinner, the, as head of family, 17-19, 44-57; as citizen, 19-23;
    as employee, 28-41; intemperate habits of, 57-63; woman as, 72-74;
    child as, 81-83.
  Brown, Miss Mary Willcox, 120.
  Building and loan associations, 123.
  Burial insurance, 110, 119-121.

  Canterbury, Archbishop of, 172.
  Catholic _versus_ Protestant attitude toward the poor, 174.
  Causes of poverty, 7-9; intemperance as a cause, 58; sickness, 95-96.
  Character, 9.
  Charitable agencies, multiplication of, 176-177.
  Charity organization societies, 13, 31, 38, 55, 60, 62, 187, 189, 202.
  Chattel mortgages, 115-118.
  Child insurance, 122.
  Child labor, 81-83, 111.
  Children, of immoral parents, 49-51; of widows, 73-74, 158-159,
    201-202; diet of small, 77; as breadwinners, 81-83; wayward
    and dull, 83-85; reading of, 86-87; training in citizenship,
    87; begging, 88-89; protection from cruelty and immorality,
    89-90; boarding-out, placing-out, and institutional care of,
    90-91; cleanliness for, 99; sick, 101; insuring, 122; as an
    investment, 122; and stamp savings, 123; games for, 130-131;
    and relief, 146.
  Children's Aid societies, 85-86.
  Children's charities, 76-77.
  Church, the, and municipal reform, 21; and relief, 160, 167-174;
    and poverty, 166-167; multiplying relations with, 168, 169;
    charities of, 170-178; competition in, 171-172; as a natural
    source of relief, 173-174; the chief source of the charitable
    impulse, 175-176; and secular agencies, 176-177.
  Church workers, who ignore the breadwinner, 18; ignore neighborhood
    ties, 25, 27; ignore the fundamental conditions of family
    life, 44-45; ignore the claims of children to educational
    advantages, 81; allow children to be sent with begging messages, 88;
    prefer to administer spiritual consolation mixed with material
    relief, 144.
  Citizenship, 19-23, 87.
  City life _versus_ country, 40, 82.
  Cleanliness, household, 69-70; personal, 99.
  Clergymen, difficulties of, in guiding church charities, 170-171;
    training of, for charitable work, 178.
  Collection of small savings, 124.
  Commodities, relief in, _versus_ relief in cash, 161.
  Common sense, charitable skill based upon, 187.
  Compulsory education, 80.
  Conditions, reasonable, in granting relief, 190.
  Confinement cases, 48, 103.
  Consumptives, change of climate for, 105-106.
  Contagious diseases, 101.
  Contentment not always a virtue, 127-128.
  Convalescents, 104.
  Coöperation, between churches and secular charities, 176-177;
    of the visitor with school-teachers, 79-80; with Sunday-school
    teachers, 87; with children's aid society, 85; with
    society for protection of children, 89-90; with board of
    health, 96-101; with dispensaries, 100-101; with hospitals,
    101-103; with district nurses, and diet kitchens, 103; with
    educational agencies, 137; with relief agencies, 164, 201-202;
    with churches, 177-178; with charity organization society,
    187-189; with others charitably interested in family, 192.
  Correspondence with families, 184-185, 199.
  Country life for families, 41, 82.
  Credit, buying on, 113; better than relief, 149.

  Damage and accident cases, 23, 104.
  Dampness, 97, 102, 110.
  Day nurseries, 77.
  De Graffenreid, Clare, 25.
  Deserted wives, 48, 73-74.
  Deserters, chronic, 48, 205.
  Dickens, 2.
  Diet, 67; of small children, 77.
  Diet kitchens, 103.
  Dietaries, scientific, 66-67.
  Discontent, social value of, 127-128.
  Dispensaries, 100-101.
  District nurses, 103.
  District visiting, 193-194.
  Doctoring, relief work compared to, 154-155.
  Dress and manners, taste in, 68.
  Duplication of relief, 165.

  Edgeworth, Miss, 2.
  Education, 80-84, 92, 137-138.
  Educational classes, 137.
  Eliot, George, 2, 10, 34.
  Eliot, Rev. Samuel A., 105.
  Employees, 28-41.
  Employer, as source of relief, 150; caution in making inquiries of, 189.
  Employment, 28-41; fluctuating, 35; equalization of, 35-36, cautions
    in finding, 40-41, 201-202; facts needed in finding, 186-188.
  Exceptional cases, 7.
  Exercise, outdoor, 98-99, 132.
  Experience, need of, in relief work, 163-164.

  Facts, necessary in relief, 156-157; in treatment, 186-188.
  Family, the, head of, 17-19, 44-57; essential elements of, 45-46;
    breaking up, 54-57; over-visiting, 184; brief biography
    of heads of, 188.
  Family budgets, 125.
  Financial history of family, facts in, 188.
  Fluctuating work, 35.
  Food, buying and preparing, 65-67; adulteration of, 113.
  Forms of relief, 160-162.
  Fraternal societies, 122-123; as a source of relief, 150.
  Fresh air charities, 78-79.
  Fresh air, prejudice against, 97-98.
  Friendly visiting, and social service, 5; need of, 13; introduction
    to, 13; qualifications for, 14; and economic problems,
    29; and employment, 36-41; men and women in, 41-43;
    and household economy, 65-69; and school-teachers, 79;
    and home libraries, 87; and the children, 91-93; and
    sanitation, 97-101; and sickness, 101-106; and thrift, 111; and
    savings, 124; and chattel mortgages, 116; and recreations,
    129; and relief, 142-145, 183; and relief agencies, 164-165;
    and churches, 177-178; what it is not, 180; results of, 181;
    principles of, 182-195; patience in, 182-183; number of families
    in, 182; by correspondence, 184-185; mutual relations in, 185;
    and charity organization societies, 187-189; and others charitably
    interested, 192; best done alone, 193; distinguished from
    district visiting, 193-194; illustrations of continuous, 197-215.
  Fuel, 68-69; saving for, 134.
  Funerals, 119-121.

  Games, 130-131.
  Godkin, E. L., 21.
  Gymnasiums, 132.

  Health, 95-106; saving at expense of, 110.
  Hill, Miss Octavia, 35, 128, 181.
  Home, the, the unit of society, 44; relief should be given in, 145-146.
  Home libraries, 86-87, 197-198.
  Hospital care, 101; prejudice against, 101-103.
  Howells, W. D., 70.
  Humor, sense of, necessary in charity, 129.

  Ignorance of English as a cause of unemployment, 39.
  Imposture, 168-170.
  Improvident poor, 112.
  Inadequate relief, 157-159, 173.
  Incapacity as a cause of unemployment, 34.
  Incurables, 104-105.
  Indiscriminate giving, 4, 6; by the poor, 25-27; weakens
    neighborhood ties, 27; weakens family ties, 45-47; to
    children, 88-89; materialism of, 141; results of, 157, 204-205.
  Individual service, and social service, 5-6; dangers of, 7.
  Industrial insurance, 120-121.
  Influence, power of personal, 92-93; patience in gaining, 182-183;
    of good neighbors, 197, 215-218.
  Instalment purchases, 24, 113-115.
  Institutional care, 162; of children, 90-91; for chronic cases, 191.
  Insurance, industrial, 120-121.
  Intemperance, 7, 48-49, 54, 57-63; recreations as a cure of, 132-133.
  Interference with individual rights, 12.
  Interim relief, 154.
  Invalids, chronic, 103-104; migration of, 105-106.
  Investigation, 155-157, 186-189; caution concerning inquiries of
    landlords and employers, 189.

  Jewett, Sarah Orne, 3.
  Juvenile offenders, 85, 88-89.

  Kelley, Mrs. Florence, 82.
  Kindergartens, 79; first supported by churches, 175-176.
  Krohn, Professor William O., 83.

  Landlords who sub-let, 24; as creditors, 162; caution concerning
    inquiries of, 189.
  Laws for protection of children, 91.
  Lectures, free, 137.
  Legal extortions, 23.
  Libraries, free, 133.
  Loan companies, 115-118; philanthropic, 117; building and, 123.
  Loan exhibitions, 133-135.
  Loans, 161.
  Loch, C. S., 125.
  Lowell, Mrs. Josephine Shaw, 54, 73, 118, 157-159.

  Man of the family, often overlooked, 17; should apply for relief, 145.
  Manual training, 92.
  Married vagabonds, 47-57, 93, 146, 158, 164, 202-215.
  Mason, Miss, 90.
  Materialism of the charitable, 141, 171.
  Medical service, cheap grade of, 100.
  Men as friendly visitors, 41.
  Migration of invalids, 105.
  Money, relief in, 161.
  Mothers' meetings, 74-75.
  Municipal reform, 6, 21.
  Music, 135-137.

  Negro prejudice against hospitals, 102-103.
  Neighborhood standard, and relief-giving, 163-164; and plans
    for permanent improvement, 191.
  Neighbors, 24-25, 27; as a source of relief, 150; effects of relief
    upon, 163, 190; influence of good, 215-218.
  Newspaper appeals for individual cases of need, 147, 206.
  Non-support laws, 53.
  Novels, poverty in, 2; sociological, 3.

  Odd jobs, 36.
  Open spaces, 96.
  Outdoor relief, public, 151-152.
  Outings, 78-79, 131.
  Over-visited families, 184.

  Parasites, 11.
  Partnership, with the poor in relief, 159; in plans for their
    welfare, 190.
  Patent medicines, 100, 110.
  Patronage, 10, 75.
  Pauper burial, 118-119.
  Pauperism not poverty, 11.
  Pawning, 118.
  Peabody, Professor F. G., 127.
  Peabody, George, 133.
  Pensions, for widows with children, 74; continued after need
    has ceased, 155; to supplement natural resources, 162.
  Physical defects as a cause of unemployment, 38; as a cause
    of juvenile delinquency, 83-85.
  Physical history of family, facts in, 187.
  Pickton, Miss, 173.
  Pictures, lending, 133-135.
  Placing-out dependent children, 90.
  Plans for relief, 154-157; changed with changing conditions, 155;
    based on facts, 155-156; for permanent improvement, 189-192.
  Pleasures the measure of a man, 129.
  Pledges, temperance, 61.
  Policemen as distributors of relief, 19.
  Political corruption, 21-23; and public relief, 151.
  Poor, the, not a social class, 10-12; charity of, 25-27; treated
    as dependent animals, 125; partnership with, in plans of
    relief, 159-160.
  Poverty, phases in our treatment of, 5; cure of, 29; problems of
    not so simple as they seem, 140.
  Principles of relief-giving, 145-162.
  Probation system for juvenile offenders, 85-86.
  Protection of children from cruelty and immorality, 89-90;
    societies for, 89; laws for, 91.
  Provident poor, 111.
  Public distributions of relief, 147.
  Publicity in charity, demoralization of, 146-148.
  Putnam, Mrs. James, 76.

  Quack doctors, 100.

  Reading, 133; of children, 86-87.
  Recreation, 127-139.
  References, lack of, as a cause of unemployment, 37.
  Relatives as a source of relief, 149-150.
  Relief, policemen as distributors of, 19; of married vagabond's
    family, 50-54; of drunkard's family, 61; of children, 76-77;
    and hospital care, 102; of thriftless families, 112; and
    recreation, 138-139; a valuable tool, 140-141; friendly visitors as
    dispensers of, 142-145; six principles of, 145-162; with a future,
    153-154; societies for, 153; interim, 154; compared with
    doctoring, 154-155; with a plan, 155-157; adequate, 157-159; in
    work, 160; in kind, 161; duplication of, 165; church, 167-174;
    as a gospel agency, 171-173; with conditions, 190.
  Relief in work, 160.
  Relief societies, 153.
  Rent, 156, 162.
  Richardson, 2.

  Saloon, the, 57, 128, 133.
  Sanitation, improved, 96.
  Saving, 35, 111, 119-125; unthrifty forms of, 110-111; savings
    banks, 118-119, 123; beginnings of, 119; for burial, 119-121;
    for sickness, 122; stamp, 123-124; collections, 124; for fuel, 124.
  School-teachers, 79-80
  Scott, 2.
  Seasonal occupations, 36.
  Self-help, resources for, 190.
  Self-sustaining families, 193.
  Sentimental charity, 4.
  Settlements, 5, 8, 108.
  Shaftesbury, Lord, 10.
  Sham homes, 46.
  Sick benefits, 122.
  Sickness, as a cause of poverty, 95-96; outside hospitals, 103-104;
    facts needed in helping, 186-188.
  Smith, Miss Frances, 181.
  Smith, Miss Zilpha D., 36, 58, 79, 142.
  Social classes, 10-12.
  Social history of family, facts needed in, 187.
  Social service, 5.
  Soup kitchens, 148-149.
  Sources of relief, natural, 149-150; relief societies, 150; public
    outdoor relief, 151; multiplication of, 152-153.
  Spasmodic charity, 191,
  Spencer, Mrs. Anna Garlin, 81.
  Spending, 111, 112, 125,
  Stamp savings, 123-124.
  Strikes, 31-32.
  Study, supplementary to experience, 15; of charity in theological
    seminaries, 178.
  Suggestion, power of, 18, 71-72.
  Suggestions about visiting not all applicable to one family, 179.
  Summer visiting, 185.
  Sunday-schools, multiplication of, 87-88, 168, 177.
  Sympathy and sentimentality, 71.

  Tact, 14.
  Tammany Hall's charity, 20.
  Tenements, unsanitary, 96.
  Thanet, Octave, 3.
  Theological seminaries, course of charitable instruction in, 178.
  Thomas, Theodore, 135-137.
  Thrift, 108-112; and wages, 109; includes spending, 110-111;
    divides the poor into three classes, 111-112.
  Thriftless, the, 109-110, 156.
  Trade-unions, 30, 32.
  Training of charity workers, life the best school for the, 14, 145,
    181-182; common sense in, 187; economic questions in, 29.

  Undertakers and industrial insurance, 121.
  Unemployed, in place of strikers, 31-32; number of, 33; treatment
    of, 34.
  Unemployment, causes of, 33-40.
  University extension, 137.
  Unsanitary surroundings, 96-97; tenements, 96.
  Unthrifty forms of saving, 110-111.
  Unworthy not a descriptive term as applied to the poor, 154.
  Usury, 115-118.

  Vagabonds, married, 47-57, 93, 146, 158, 164, 202-215.
  Ventilation, 97-98.
  Visiting, continuous, 182-185; illustrations of continuous, 197-215;
    patience in, 182-183, 200; illustrations of successful, 197-202,
    207-215; in summer, 185.  See also _Friendly visiting_.

  Wants, social value of varied, 127.
  Warner, A. G., 33, 95.
  Wayward children, 83-86; girls, 216-218.
  Widows with children, 73-74, 158-159, 201-202.
  Window-gardening, 131-132.
  Winter not the only season for charitable work, 184.
  Wolcott, Mrs. Roger, 70.
  Women as homemakers, 64-75; as breadwinners, 72-74.
  Work history of family, facts needed in, 187-188.
  Worthy and unworthy, 154.

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