A Study of the Home Management Program of Forty Negro Families in Washington County, Texas

Most families of Washington County, as in other places, seem unable to value money intelligently. Either they over-value it and deny themselves conveniences they can well afford, or they under-value it and spend it carelessly for things that impair more than promote their welfare. It is the purpose of this study to analyze some of the factors related to the home management problem among the Negro families of Washington County, and to show what improvement will be made in their programs. The problems that are being discussed are here listed: (1) How the family uses its money. (2) To what extent is planning helpful? (3) What records are advisable? (4) Who shall decide the use of family funds? (5) Is it justifiable for a family to borrow money? (6) Is it wise to buy on installment plans? (7) If saving is possible, how shall it be invested