I once sent a boy to college—that is, I promised him fifty dollars a year. He died in his junior term, however. Sisters of Mercy, the postman, a beggar selling pencils or shoelaces—almost anybody, in short, that actually comes within range—can pretty surely count on something from me. But I confess I never go out of my way to look for people in need of help. I have not the time.
Several of the items in my budget, however, are absurdly low, for the opera-box which, as it is, we share with several friends and which is ours but once in two weeks, alone costs us twelve hundred dollars; and my bill at the Ritz—where we usually dine before going to the theater or sup afterward—is apt to be not less than one hundred dollars a month. Besides, twenty-five hundred dollars does not begin to cover my actual personal expenses; but as I am accustomed to draw checks against my office account and thrust the money in my pocket, it is difficult to say just what I do cost myself.
Moreover, a New York family like mine would have to keep surprisingly well in order to get along with but two thousand dollars a year for doctors. Even our dentist bills are often more than that. We do not go to the most fashionable operators either. There does not seem to be any particular way of finding out who the good ones are except by experiment. I go to a comparatively cheap one. Last month he looked me over, put in two tiny fillings, cleansed my teeth and treated my gums. He only required my presence once for half an hour, once for twenty minutes, and twice for ten minutes—on the last two occasions he filched the time from the occupant of his other chair. My bill was forty-two dollars. As he claims to charge a maximum rate of ten dollars an hour—which is about the rate for ordinary legal services—I have spent several hundred dollars' worth of my own time trying to figure it all out. But this is nothing to the expense incident to the straightening of children's teeth.
When I was a child teeth seemed to take care of themselves, but my boy and girls were all obliged to spend several years with their small mouths full of plates, wires and elastic bands. In each case the cost was from eighteen hundred to two thousand dollars. A friend of mine with a large family was compelled to lay out during the tooth-growing period of his offspring over five thousand dollars a year for several years. Their teeth are not straight at that.
Then, semioccasionally, weird cures arise and seize hold of the female imagination and send our wives and daughters scurrying to the parlors of fashionable specialists, who prescribe long periods of rest at expensive hotels—a room in one's own house will not do—and strange diets of mush and hot water, with periodical search parties, lighted by electricity, through the alimentary canal.
One distinguished medico's discovery of the terra incognita of the stomach has netted him, I am sure, a princely fortune. There seems to be something peculiarly fascinating about the human interior. One of our acquaintances became so interested in hers that she issued engraved invitations for a fashionable party at which her pet doctor delivered a lecture on the gastro-intestinal tract. All this comes high, and I have not ventured to include the cost of such extravagances in my budget, though my wife has taken cures six times in the last ten years, either at home or abroad.
And who can prophesy the cost of the annual spring jaunt to Europe? I have estimated it at thirty-five hundred dollars; but, frankly, I never get off with any such trifling sum. Our passage alone costs us from seven hundred to a thousand dollars, or even more and our ten-days' motor trip—the invariable climax of the expedition rendered necessary by the fatigue incident to shopping—at least five hundred dollars.
Our hotel bills in Paris, our taxicabs, theater tickets, and dinners at expensive restaurants cost us at least a thousand dollars, without estimating the total of those invariable purchases that are paid for out of the letter of credit and not charged to my wife's regular allowance. Even in Paris she will, without a thought, spend fifty dollars at Reboux' for a simple spring hat—and this is not regarded as expensive. Her dresses cost as much as if purchased on Fifth Avenue and I am obliged to pay a sixty per cent duty on them besides.
The restaurants of Paris—the chic ones—charge as much as those in New York; in fact, chic Paris exists very largely for the exploitation of the wives of rich Americans. The smart French woman buys no such dresses and pays no such prices. She knows a clever little modiste down some alley leading off the Rue St. Honoré who will saunter into Worth's, sweep the group of models with her eye, and go back to her own shop and turn out the latest fashions at a quarter of the money.
A French woman in society will have the same dress made for her by her own dressmaker for seventy dollars for which an American will cheerfully pay three hundred and fifty. And the reason is, that she has been taught from girlhood the relative values of things. She knows that mere clothes can never really take the place of charm and breeding; that expensive entertainments, no matter how costly and choice the viands, can never give equal pleasure with a cup of tea served with vivacity and wit; and that the best things of Paris are, in fact, free to all alike—the sunshine of the boulevards, the ever-changing spectacle of the crowds, the glamour of the evening glow beyond the Hôtel des Invalides, and the lure of the lamp-strewn twilight of the Champs Elysées.
So she gets a new dress or two and, after the three months of her season in the Capital are over, is content to lead a more or less simple family life in the country for the rest of the year. One rarely sees a real Parisian at one of the highly advertised all-night resorts of Paris. No Frenchman would pay the price.
An acquaintance of mine took his wife and a couple of friends one evening to what is known as L'Abbaye, in Montmartre. Knowing that it had a reputation for being expensive, he resisted, somewhat self-consciously, the delicate suggestions of the head waiter and ordered only one bottle of champagne, caviar for four, and a couple of cigars. After watching the dancing for an hour he called for his bill and found that the amount was two hundred and fifty francs. Rather than be conspicuous he paid it—foolishly. But the American who takes his wife abroad must have at least one vicarious taste of fast life, no matter what it costs, and he is a lucky fellow who can save anything out of a bill of exchange that has cost him five thousand dollars.
After dispassionate consideration of the matter I hazard the sincere opinion that my actual disbursements during the last ten years have averaged not less than one hundred thousand dollars a year. However, let us be conservative and stick to our original figure of seventy-five thousand dollars. It costs me, therefore, almost exactly two hundred dollars a day to support five persons. We all of us complain of what is called the high cost of living, but men of my class have no real knowledge of what it costs them to live.
The necessaries are only a drop in the bucket. It is hardly worth while to bother over the price of rib roast a pound, or fresh eggs a dozen, when one is smoking fifty-cent cigars. Essentially it costs me as much to lunch off a boiled egg, served in my dining room at home, as to carve the breast off a canvasback. At the end of the month my bills would not show the difference. It is the overhead—or, rather, in housekeeping, the underground—charge that counts. That boiled egg or the canvasback represents a running expense of at least a hundred dollars a day. Slight variations in the cost of foodstuffs or servants' wages amount to practically nothing.
And what do I get for my two hundred dollars a day and my seventy-five thousand dollars a year that the other fellow does not enjoy for, let us say, half the money? Let us readjust the budget with an idea to ascertaining on what a family of five could live in luxury in the city of New York a year. I could rent a good house for five thousand dollars and one in the country for two thousand dollars; and I would have no real-estate taxes. I could keep eight trained servants for three thousand dollars and reduce the cost of my supplies to five thousand almost without knowing it. Of course my light and heat would cost me twelve hundred dollars and my automobile twenty-five hundred. My wife, daughters and son ought to be able to manage to dress on five thousand dollars, among them. I could give away fifteen hundred dollars and allow one thousand for doctors' bills, fifteen hundred for my own expenses, and still have twenty-three hundred for pleasure—and be living on thirty thousand dollars a year in luxury.
I could even then entertain, go to the theater, and occasionally take my friends to a restaurant. And what would I surrender? My saddle-horses, my extra motor, my pretentious houses, my opera box, my