Extracts from Polly Oliver's Correspondence._

SAN FRANCISCO, November 1, 188--.

DEAR MARGERY,--I have been able to write you only scraps of notes heretofore, but now that we are quite settled I can tell you about our new home. We were at a hotel for a week, as long as I, the family banker, felt that we could, afford it. At the end of that time, by walking the streets from morning till night, looking at every house with a sign "To Let" on it, and taking mamma to see only the desirable ones, we found a humble spot to lay our heads. It is a tiny upper flat, which we rent for thirty dollars a month. The landlady calls it furnished, but she has an imagination which takes even higher flights than mine. Still, with the help of the pretty things we brought with us, we are very cosy and comfortable. There is a tiny parlor, which, with our Santa Barbara draperies, table-covers, afternoon tea-table, grasses, and books, looks like a corner of the dear home sitting-room. Out of this parlor is a sunny bedroom with two single brass bedsteads, and space enough to spare for mamma's rocking-chair in front of a window that looks out on the Golden Gate. The dining-room just holds, by a squeeze, the extension-table and four chairs; and the dot of a kitchen, with an enchanting gas-stove, completes the suite.

We are dining at a restaurant a short distance off, at present, and I cook the breakfasts and luncheons; but on Monday, as mamma is so well, I begin school from nine to twelve each day under a special arrangement, and we are to have a little Chinese boy who will assist in the work and go home at night to sleep. His wages will be eight dollars a month, and the washing probably four dollars more. This, with the rent, takes forty-two dollars from our eighty-five, and it remains to be seen whether it is too much. I shall walk one way to school, although it is sixteen squares and all up and down hill. . . .

The rains thus far have been mostly in the night, and we have lovely days. Mamma and I take long rides on the cable-cars in the afternoon, and stay out at the Cliff House on the rocks every pleasant Saturday. Then we 've discovered nice sheltered nooks in the sand dunes beyond the park, and there we stay for hours, mamma reading while I study. We are so quiet and so happy; we were never alone together in our lives before. You, dear Peggy, who have always had your family to yourself, can hardly think how we enjoy being at table together, just we two. I take mamma's coffee to her and kiss her on the right cheek; then follows an egg, with another kiss on the left cheek; then a bit of toast, with a bear-hug, and so on. We have a few pleasant friends here, you know, and they come to see mamma without asking her to return the calls, as they see plainly she has no strength for society. . . . POLLY.

P. S. We have a remarkable front door, which opens with a spring located in the wall at the top of the stairs. It is a modern improvement and I never tire of opening it, even though each time I am obliged to go downstairs to close it again.

When Dr. George came last week, he rang the bell, and being tired with the long pull up the hill, leaned against the door to breathe. Of course I knew nothing of this, and as soon as I heard the bell I flew to open the door with my usual neatness and dispatch, when who should tumble in, full length, but poor dear Dr. George! He was so surprised, and the opposite neighbors were so interested, and I was so sorry, that I was almost hysterical. Dr. George insists that the door is a trap laid for unsuspecting country people.

November 9.

. . . The first week is over, and the finances did n't come out right at all. I have a system of bookkeeping which is original, simple, practical, and absolutely reliable. The house-money I keep in a cigar-box with three partitions (formerly used for birds' eggs), and I divide the month's money in four parts, and pay everything weekly.

The money for car-fare, clothing, and sundries I keep in an old silver sugar-bowl, and the reserve fund, which we are never to touch save on the most dreadful provocation, in a Japanese ginger-jar with a cover. These, plainly marked, repose in my upper drawer. Mamma has no business cares whatever, and everything ought to work to a charm, as it will after a while. But this first week has been discouraging, and I have had to borrow enough from compartment two, cigar-box, to pay debts incurred by compartment one, cigar-box. This is probably because we had to buy a bag of flour and ten pounds of sugar. Of course this won't happen every week. . . .

I wrote Ah Foy a note after we arrived, for he really seems to have a human affection for us. I inclose his answer to my letter. It is such a miracle of Chinese construction that it is somewhat difficult to get his idea; still I think I see that he is grateful for past favors; that he misses us; that the boarders are going on "very happy and joy;" that he is glad mamma is better, and pleased with the teacher I selected for him. But here it is; judge for yourself:--

SANTA BARBARA, November 5.

DEAR MY FREND.

I was joy pleased to received a letter from you how are Your getting along and my Dear if your leaves a go We but now I been it is here I am very sorry for are a your go to in San Francisco if any now did you been it is that here very happy and joy I am so glad for your are to do teachers for me but I am very much thank you dear my frend.

Good-By. AH FOY.

November 15,

. . . The first compartment, cigar-box, could n't pay back the money it borrowed from the second compartment, and so this in turn had to borrow from the third compartment. I could have made everything straight, I think, if we had n't bought a feather duster and a gallon of kerosene. The first will last forever, and the second for six weeks, so it is n't fair to call compartment number two extravagant. At the end of this month I shall remove some of the partitions in the cigar-box and keep the house-money in two parts, balancing accounts every fortnight. . . .

November 24.

. . . My bookkeeping is in a frightful snarl. There is neither borrowing nor lending in the cigar-box now, for all the money for the month is gone at the end of the third week. The water, it seems, was not included in the thirty dollars for the rent, and compartment three had to pay two dollars for that purpose when compartment two was still deeply in its debt. If compartment two had only met its rightful obligations, compartment three need n't have "failed up," as they say in New England; but as it is, poor compartment four is entirely bankrupt, and will have to borrow of the sugar-bowl or the ginger-jar. As these banks are not at all in the same line of business, they ought not to be drawn into the complications of the cigar-box, for they will have their own troubles by and by; but I don't know what else to do. . . .

December 2.

. . . It came out better at the end of the month than I feared, for we spent very little last week, and have part of the ten pounds of sugar, kerosene, feather duster, scrubbing-brush, blanc-mange mould, tapioca, sago, and spices with which to begin the next month. I suffered so with the debts, losses, business embarrassments, and failures of the four compartments that when I found I was only four dollars behind on the whole month's expenses, I knocked out all the compartments, and am not going to keep things in weeks. I made up the deficit by taking two dollars out of the reserve fund, and two dollars out of my ten-dollar gold piece that Dr. George gave me on my birthday.

I have given the ginger-jar a note of hand for two dollars from the cigar-box, and it has resumed business at the old stand. Compartment four, cigar-box, which is perfectly innocent, as it was borrowed out of house and home by compartment three, also had to give a note to the sugar-bowl, and I made the ginger-jar give me a note for my two dollars birthday-money.

Whether all these obligations will be met without lawsuits, I cannot tell; but I know by the masterly manner in which I have fought my way through these intricate affairs with the loss of only four dollars in four weeks, that I possess decided business ability, and this gives me courage to struggle on.

December 30, 188-.

. . . We are having hard times, dear old Margery, though I do not regret coming to San Francisco, for mamma could not bear the slightest noise or confusion, nor lift her hand to any sort of work, in her present condition. At any rate, we came by Dr. George's orders, so my conscience is clear. . . .

Mrs. Chadwick has sent us only sixty-five dollars this month, instead of eighty-five. Some of the boarders are behind in their payments. The Darlings have gone away, and "she hopes to do better next month." Mamma cannot bear to press her, she is so kind and well-meaning; so do not for the world mention the matter to Dr. George. I will write to him when I must, not before.

Meanwhile I walk to school both ways, saving a dollar and a quarter a month. Have found a cheaper laundry; one dollar more saved. Cut down fruit bill; one dollar more. Blacked my white straw sailor with shoe-blacking, trimmed it with two neckties and an old blackbird badly molted; result perfectly hideous, but the sugar-bowl, clothing, and sundry fund are out of debt and doing well. Had my faded gray dress dyed black, and trimmed the jacket with pieces of my moth-eaten cock's-feather boa; perfectly elegant, almost too gorgeous for my humble circumstances. Mamma looks at me sadly when I don these ancient garments, and almost wishes I had n't such "a wealthy look." I tell her I expect the girls to say, when I walk into the school-yard on Monday, "Who is this that cometh with dyed garments from Bozrah?"

Mamma has decided that I may enter a training-school for kindergartners next year; so I am taking the studies that will give me the best preparation, and I hope to earn part of my tuition fees, when the time comes, by teaching as assistant. . . .

I go over to Berkeley once a week to talk Spanish with kind Professor Salazar and his wife. They insist that it is a pleasure, and will not allow mamma to pay anything for the lessons. I also go every Tuesday to tell stories at the Children's Hospital. It is the dearest hour of the week. When I am distracted about bills and expenses and mamma's health and Mrs. Chadwick's mismanagements and Yung Lee's mistakes (for he is beautiful as an angel and stupid as a toad), I put on my hat and go out to the children, poor little things! They always have a welcome for me, bless them! and I always come back ready to take up my trials again. Edgar is waiting to take this to the post-box, so I must say good-night. He is such a pleasure to us and such a comfort to mamma. I know for the first time in my life the fun of having a brother.

Ever your affectionate POLLYKINS.

The foregoing extracts from Polly's business letters give you an idea only of her financial difficulties. She was tempted to pour these into one sympathizing ear, inasmuch as she kept all annoyances from her mother as far as possible; though household economies, as devised by her, lost much of their terror.

Mrs. Oliver was never able to see any great sorrow in a monthly deficit when Polly seated herself before her cash-boxes and explained her highly original financial operations. One would be indeed in dire distress of mind could one refrain from smiling when, having made the preliminary announcement,--"The great feminine financier of the century is in her counting-room: let the earth tremble!"--she planted herself on the bed, oriental fashion, took pencil and account-book in lap, spread cigar-box, sugar-bowl, and ginger-jar before her on the pillows, and ruffled her hair for the approaching contest.