The Finance Committee of 
 a School or College 
 Association 
 
 By Edith Helmer 
 
The Finance Committee of 
 a School or College 
 Association 
 
 By Edith Helmer 
 
 Student Secretary for the North Central Field Committee 
 
 National Board 
 
 of THE Young Women’s Christian Associations 
 
 600 Lexington Avenue, New York City 
 
 1916 
 
Note: This leaflet has been prepared primarily for the 
 student Associations which do not employ secretaries, and 
 the budgets of which range from $50 or $100 to $1,000 a 
 year. 
 
The Finance Committee of a School 
 or College Association 
 
 By Edith Helmer 
 
 !• The Purpose and Plan of the Finance Committee 
 
 Is the making of the will of Christ effective in the lives of 
 people related in any measure to the money which is raised 
 and spent in a Christian Association? Money and the Christ 
 life—how are they related? What has the Finance Com¬ 
 mittee to do with the coming of the Kingdom of God? Does 
 the living of life on the college campus after the manner of 
 Jesus Christ depend at all upon the money which climbs into 
 the Association treasury, and, more than that, upon the way 
 in which it pours back again through the activities of the 
 various committees into the lives of girls? Finance and 
 the making real of the Father-love of God! When do they 
 touch each other, and how? Can they ever be as cause to 
 result ? 
 
 One day a postman carried a Christmas greeting with an 
 invitation to a Christmas service to a lonely girl. With a 
 strange comfort in her heart she slipped for the first time 
 into an Association meeting. That night was born a pur¬ 
 pose to know better the Friendly Person who one time walked 
 with folk along a country road in Galilee and who today is 
 walking campus paths in friendly hearts. 
 
 Investment? One small printed card and three cents, one 
 envelope, one half cent, a one-cent postage stamp; and 
 through them, extended friendliness and interest. 
 
 Returns? Heart warmth, new purpose, Christ-like living. 
 
 The purpose of the Finance Committee is not primarily 
 the making of money, not alone the application of approved 
 
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business methods, nor the collection of membership fees and 
 benevolences. These are means and necessary methods, 
 methods which are sometimes humdrum, but which always 
 may be glorified with the radiance of their purpose. To lead 
 girls into a knowledge of Jesus Christ, to help them live life 
 in his way, to point them through Him to the Father God, to 
 make it possible for other girls to know Him—this is the 
 mrpose of the Finance Committee, as it must be the purpose 
 of every other committee of the Association. 
 
 II. The Formation of the Committee 
 
 Immediately following the election of officers in March, the 
 new president in selecting her cabinet will have named among 
 its members the chairman of the Finance Committee. To¬ 
 gether the president and finance chairman should select the 
 other members of the committee. This early appointment 
 allows sufficient time for the training of the committee and 
 for closing the year’s accounts in good shape. Early organi¬ 
 zation of the committee should assure the strongest kind of 
 work, from the day college opens in the autumn until the 
 day in the spring following when the committee’s term 
 expires and its successor is appointed. 
 
 Chairman .—The chairman should possess the qualities of 
 strong leadership, good business ability, a willingness to 
 co-operate with others and, above all, devotion to the spiritual 
 purpose of the Association. She must accept the responsi¬ 
 bility of financing in an adequate and dignified way an Asso¬ 
 ciation whose purpose is far-reaching and whose influence is 
 immeasurable. She must have faith in the willingness of 
 g rls to support, if the proposition is clearly presented to 
 them, an organization which has a high purpose and which 
 stands upon a good business basis. 
 
 Treasurer .—It is desirable in the larger Associations, 
 although it is not necessary in smaller ones, that the chair¬ 
 man of the Finance Committee and the treasurer of the 
 Association should be different persons. The treasurer should 
 
 4 
 
unquestionably be a member of the Finance Committee. She 
 must be accurate, methodical, businesslike and must have a 
 fair knowledge of simple bookkeeping. Such knowledge may 
 be easily and quickly acquired immediately after her election 
 to office, if it is not one of her previous assets. 
 
 Members. —Committee members should not be chosen at 
 random. Resourcefulness, quiet persistence, faith in people, 
 business ability, and understanding of and devotion to the 
 purpose which glorifies all methods must characterize each 
 member of the committee as well as its chairman. The 
 number of girls serving on the committee will vary naturally 
 with the size and the subsequent needs of the Association. 
 As a whole it should be as representative of the entire 
 student body as possible. 
 
 Training of the Committee. —Immediately after the forma¬ 
 tion of the committee should come a period of training. 
 Thorough preparation is indispensable to efficient finance 
 work. Such training should include: 
 
 1. Careful and detailed study, of the current budget, to 
 ascertain the reason back of every item in the budget. 
 
 2. Study of the application of the budget to the actual 
 receipts and expenditures of the year which closes in June. 
 Where did the budget fail to cover, or more than cover, the 
 actual receipts and expenditures? 
 
 3. Study of the local student community in relation to the 
 amount of money which can be raised, and to the best methods 
 of raising it. 
 
 4. Study of “The Association Hand-Book” for knowledge of 
 the whole Association movement and of the responsibility 
 and obligation of the local student Association to the great 
 work of the National organization which is carried on 
 through the National Board, its Field Committees, the 
 World’s Committee and the Foreign Department. 
 
 5. Familiarity should be established at once, if it does not 
 already exist, on the part of each member of the committee 
 as regards The Association Monthly and The North American 
 
 5 
 
Student. Such familiarity should be uninterrupted during 
 the year. 
 
 6. Consultation with the advisory committee is most 
 important. They should be consulted not only concerning the 
 drawing up of the policy and the budget, but frequently 
 during the year, concerning the actual progress of the work. 
 
 The chairman of the Finance Committee may appoint one 
 or more sub-committees if she thinks wise. The assignment 
 to individual girls, as sub-chairmen, of definite responsibility 
 for certain pieces of work is usually desirable. (See para¬ 
 graph on Committee Organization, p. 10.) 
 
 All plans suggested by such sub-committees must be pre¬ 
 sented to the Finance Committee for approval, and having 
 been approved, may be put into execution. 
 
 III. Responsibilities and Work 
 
 The Finance Committee, in accordance with its purpose, 
 has grave responsibilities. The Association ideal must be 
 accomplished. What means will be needed, in order as 
 nearly as possible to fulfill the purpose? What are the 
 chief sources of receipts? By how much will this income 
 have to be supplemented? What disbursements are essential 
 to strong Association life? Some plan of action is needed. 
 
 Policy 
 
 A policy is as necessary to clean-cut committee work as a 
 pattern is to a well-cut gown. It should be framed as soon 
 after the formation of the committee as the necessary infor¬ 
 mation has been acquired, and should include everything 
 which the committee intends to accomplish during the year. 
 Perish the handed-down policy! A new policy every year, 
 built upon last year’s policy and stepping out toward next 
 year’s policy, is the rule. Perish also the policy tucked away 
 in the secretary’s note-book, which does not see the light of 
 day from the beginning of the year until the end! Printed 
 in attractive form, it should be a part of every committee 
 
 6 
 
member’s personal belongings, woven into her every-day life. 
 Such a policy, so used, will accomplish its end. 
 
 Budget 
 
 The full financial responsibility can be clearly faced only 
 through the preparation of a budget; this is absolutely indis¬ 
 pensable to a Finance Committee. The budget is an estimate 
 of the receipts and expenditures of the local Association for 
 a coming year. 
 
 A budget saves time, money and energy. It means a 
 thoughtful, thrifty handling of the money with which the 
 committee is entrusted. It makes possible good stewardship. 
 It should be prepared by the Finance Committee after a care¬ 
 ful study of the budget of the preceding year, and a compari¬ 
 son of that budget with the actual receipts and expenditures 
 for the year. Each committee’s needs should be determined 
 by consultation with various chairmen and new items may be 
 introduced or gifts increased. 
 
 The budget should be made to cover a college year, Sep¬ 
 tember to June, inclusive. The fact that the term of service 
 for the treasurer and finance chairman begins and ends in the 
 spring does not make any material difference. 
 
 After the budget has been presented by the Finance Com¬ 
 mittee to the cabinet and has been approved by the cabinet, it 
 should be presented with full explanation to the Association 
 for adoption. It is suggested that the budget be published 
 in the college paper after its approval by the cabinet, but 
 before its discussion and adoption by the Association, and 
 that after its adoption a copy be put in the hands of every 
 Association member. 
 
 The adoption of the budget by the Association gives the 
 committees the right to proceed in their expenditures as the 
 budget indicates. It becomes the duty of the Finance Com¬ 
 mittee to watch committee expenditure and to see that it 
 keeps within the prescribed allowance. Failure to secure the 
 amount of money anticipated by the budget means, of course, 
 a reduction of outlay. 
 
 7 
 
The following is a simple, practicable, and comprehensive 
 form of budget: 
 
 Student Budget (September to June) 
 
 Estimated Expenditures 
 
 1. Gift to National work .. 
 (40% of student fees) 
 
 2. Local adminis¬ 
 trative expense . 
 
 (60% student 
 fees) 
 
 (other member¬ 
 ship fees) . 
 
 General expense . 
 
 Membership . 
 
 Voluntary Study. 
 
 Finance . 
 
 Religious Meet¬ 
 ings . 
 
 Social Service . 
 
 Social . 
 
 Publicity . 
 
 3. Gift to foreign Associa¬ 
 
 tion work, other mis¬ 
 sions or benevolences 
 
 4. Conferences and con¬ 
 
 ventions 
 
 5. Balance on hand ( June) 
 
 Total 
 
 If the items covered by No. 2 under “Receipts” balance the 
 items covered by No. 2 under “Expenditures,” etc., it is clear 
 that at the close of the year there will be a surplus which is 
 approximately equal to the balance on hand in September. 
 
 It is suggested that in practically every case the 60% of 
 the student and faculty membership fees, increased by the 
 contributions from the honorary members, shall take care of 
 all local administrative expense. 
 
 Each Association committee is entitled to an appropriation 
 which will cover the work for the year. The request for such 
 an appropriation, made after careful consideration of the 
 year’s policy, should be presented promptly by the committee 
 chairman to the Finance Committee. 
 
 8 
 
 Estimated Receipts 
 
 1. Balance brought forward 
 
 (September) 
 
 2. Membership 
 
 Student fees 
 Faculty fees 
 Honorary members’ 
 contributions 
 
 3. Systematic Giving and 
 
 personal pledges 
 
 4. Receipts from special 
 
 efforts or from un¬ 
 usual sources 
 
 Total 
 
Basis of National Support 
 
 Our National organization has been called a great family. 
 Privilege and responsibility are always accompaniments of 
 family life. Certain financial obligation, which is also a 
 privilege, devolves consequently upon every local student 
 Association, an obligation which should take the form of 
 a voluntary gift to national work, advisory and extension, in 
 accordance with the standard of support which has been 
 adopted by the national organization of the Young Women s 
 Christian Associations. This standard for student Associa¬ 
 tions, sanctioned by the Association representatives in the 
 Indianapolis Convention in 1911, states that a yearly con¬ 
 tribution amounting to 40 per cent of the student membership 
 fees covers adequately the obligation of the local Association 
 to the national organization. This amount should be for¬ 
 warded through your field office. 
 
 This method is really effective from the point of view of 
 relating the individual girl to the movement as a whole, when 
 every Association member understands the basis of support 
 and therefore voluntarily makes her contribution in accord¬ 
 ance with the standard. It may clarify matters to explain 
 that the membership fee of $1.00 is divided approximately as 
 
 follows: 
 
 60 cents—Administration of local work 
 24 cents—Administration of Field Committee work 
 09 cents—Administration of National Headquarters work 
 07 cents—Administration of World’s work 
 
 The Finance Committee should as speedily as possible 
 comply with this standard of support. It will probably be 
 advisable each year to send two distinct pledges and corre¬ 
 sponding contributions to the field office, the first based upon 
 the paid membership at the close of the autumn membership 
 work, the second based upon the additional paid-up member¬ 
 ship at the close of the school year. 
 
 Item No. 4 under “Expenditures” should include: 
 
 9 
 
Conferences 
 
 Summer 
 
 Field or sectional 
 
 State Student Missionary or Student Volunteer 
 National Conventions 
 
 Young Women’s Christian Associations (triennially) 
 
 Student Volunteer Movement (quadrennially) 
 
 Meetings—Annual members at Field Headquarters 
 
 Item No. 4 under receipts allows for the appeal for addi¬ 
 tional support which may be necessary under unusual cir¬ 
 cumstances. Sources from which such financial help may 
 reasonably be expected are the students, alumnae, faculty 
 and friends of the college. 
 
 Committee Organization 
 
 The responsibilities for the year having thus become 
 clearly defined by the policy and the budget, the committee 
 work will be along three general lines, which suggests the 
 following logical committee organization: 
 
 The duties of the chairman are as follows: 
 
 To call, and preside over, all meetings of the committee. 
 
 To supervise the work of the sub-committees. 
 
 To turn over to the treasurer, personally or through the 
 members of her committees, all moneys received, carefully 
 accounted for in writing. 
 
 To present the budget to the cabinet and the Association 
 for sanction and adoption. 
 
 To present a monthly written report to the cabinet, includ¬ 
 ing recommendations for disbursements. 
 
 To turn over the treasurer’s books to the auditor at the 
 close of her term of service. 
 
 To present an annual written report to the Association. 
 
 The sub-chairmen. 
 
 A. The first sub-chairman shall be responsible for the col¬ 
 lection of membership fees. 
 
 B. The second sub-chairman shall be responsible for the 
 collection of all pledges, systematic or otherwise, to home or 
 foreign benevolences and missions. This may or may not 
 
 10 
 
include co-operation with other committees in a joint 
 presentation of appeal. Co-operation is usually found to be 
 advisable as it prevents duplication of appeals and gives 
 added strength. 
 
 C. The third sub-chairman shall be responsible for the 
 supervision of all affairs which are promoted for the purpose 
 of money making. 
 
 It is wise to have the same committee member collect both 
 the membership fee and pledge from an individual Associa¬ 
 tion member. Sub-chairman A and B may co-operate easily 
 in this effort. 
 
 Chairman 
 
 Sub-chairman A | an y number of 
 
 Sub-chairman B r girls 
 
 Sub-chairman Cl 
 
 Treasurer—ex-officio member of committee. 
 
 The treasurer, being a regularly elected officer of the Asso¬ 
 ciation, is of course a member of the cabinet—even if only a 
 member of the Finance Committee and not chairman of it. 
 Her duties are as follows: 
 
 To keep a careful, accurate account in good business form 
 of the money at the disposal of the Association. 
 
 To make weekly deposits of all money received, in a 
 specified bank where the account shall stand in the name of 
 the Association and that of the treasurer for the current year. 
 Upon the appointment of a new treasurer the bank should be 
 instructed to honor the new signature. 
 
 To pay by check all bills which have been voted by the 
 cabinet and duly signed by the president. 
 
 To make a monthly written statement to the cabinet, of all 
 receipts, disbursements and accounts payable. 
 
 To balance the accounts once a month and verify them with 
 the bank balance. 
 
 To be accessible regularly each week, at a stated time and 
 place, to the members of the committee who may wish to 
 turn over money collected and present receipt books for 
 approval. 
 
 11 
 
A petty cash account, if deemed advisable, may be 
 opened by the treasurer for the settlement of such bills as 
 are payable upon presentation, such as for express or tele¬ 
 grams. Bills too small to be conveniently covered by checks 
 may be paid from petty cash. An exact statement of petty 
 cash expenditures must accompany the monthly statement of 
 the treasurer. For information regarding the opening of a 
 petty cash account, see paragraph on Good Business Methods. 
 
 Program for a Year of Committee Work 
 
 A normal year’s program for a Finance Committee will be 
 
 somewhat like the following: 
 
 Spring—after committee has been formed 
 Committee training 
 Formation of the policy 
 Preparation of the budget 
 
 Submitting of the budget to the cabinet and the Association 
 Finishing the year’s work 
 Autumn and Winter 
 
 Collection of membership fees 
 
 Collection of pledges to missions and benevolences 
 Auditing of books 
 Annual report 
 
 Special efforts for raising money may be undertaken at 
 any time during the year. 
 
 “Un-Commercialized” Membership 
 
 There is need to get away from the old, erroneous idea that 
 membership in the Association depends primarily upon the 
 payment of the membership fee. Membership is a privilege 
 which should never be purchasable. The dollar contribution 
 from each member should partake of the nature of a voluntary 
 gift of standard size rather than of an exacted fee. 
 
 Some few Associations are urging their members to make 
 contributions, not limiting them to the usual one dollar fee. 
 In such cases they base their contribution to national work 
 on forty cents per member. Many Associations find that 
 having' a Pay Day is a helpful method of collecting mem¬ 
 bership fees. 
 
 12 
 
Upon the Finance Committee rests the responsibility for 
 using methods of collection which will contribute to a right 
 attitude toward and understanding of membership. 
 
 A girl who is approached by a member of the Finance 
 Committee should always be made to feel: 
 
 1. That her sympathetic membership in the Association is 
 of far more value than her dollar in the treasury. 
 
 2. That there is a certain privilege in membership which is 
 also an obligation. 
 
 3. That her contribution in the form of a fee makes pos¬ 
 sible a local and National and World extension of the organ¬ 
 ization which purposes to hasten the coming of the Kingdom 
 of God. 
 
 Systematic Giving 
 
 Every member of the Association should be given an 
 opportunity early in the year to share in the support of the 
 mission work or the benevolent enterprise which the Asso¬ 
 ciation has undertaken. The approved method of sharing in 
 such support is Systematic Giving, which includes obviously. 
 
 1. Pledge of a stated amount per week or month for a 
 specified period. 
 
 2. Weekly or monthly payments of the pledge. 
 
 The real value of Systematic Giving as a method lies essen¬ 
 tially in its reaction on the giver, in the development of her 
 strength of will, in the increasingly regular mindfulness of 
 the work of Christ’s Kingdom in which she shares, in the 
 enlarging of vision and the deepening of interest. 
 
 There are frequently certain difficulties in the way of a 
 weekly or monthly collection of Systematic Giving pledges 
 by the Finance Committee. The principle of Systematic 
 Giving requires not the weekly or monthly collection of the 
 pledges by the committee, but the regular setting aside by 
 the individual girl of the amount pledged. The total pledge 
 may be gathered by the committee in one or two collections 
 during the year, if so desired, or a strong box may be 
 conveniently placed where a girl may deposit her gift. 
 
 13 
 
Money-making Enterprises 
 
 Occasionally during the year it may be necessary to resort 
 to some special method for money-making as suggested in 
 item No. 4 under Receipts in the budget. Two rules may 
 well be observed: 
 
 1. One large, worth-while event requires less expenditure 
 of time, energy and money, and nets better returns, than a 
 number of small affairs. 
 
 2. The character of the affair should always be in harmony 
 with the dignity of the Association and the spirit of its 
 purpose. 
 
 Good Business Methods 
 
 Determined effort should be made to establish the Associa¬ 
 tion upon a good financial basis and insure the use of the 
 best business methods. 
 
 The bookkeeping outfit with which every treasurer should 
 be equipped includes a substantial, permanent treasurer’s 
 book, carbon copy receipt books, bank book, check book, and, 
 most important of all, a working knowledge of simple book¬ 
 keeping. 
 
 All money received should be entered in due form in the 
 treasurer’s book and deposited in the bank. 
 
 Receipts should be given for all contributions received. 
 
 All bills should be paid promptly by numbered checks, 
 unless it seems desirable to open a petty cash account from 
 which small bills may be paid. 
 
 To open a petty cash account a check may be drawn to the 
 order of petty cash for a stated amount agreed upon by the 
 Finance Committee. From this allowance the treasurer may 
 pay small items of expense, rendering a monthly account of 
 such disbursements. The total amount expended monthly 
 may be replaced by a check for that amount to petty cash. 
 
 Checks should be written only in payment of those accounts 
 for which written statements have been presented. After 
 payment, such statements should be kept on file. 
 
 14 
 
Cancelled checks should be attached to the corresponding 
 stub and filed. Vouchers should be filed alphabetically or 
 numerically. 
 
 Tradesmen with whom the Association does business reg¬ 
 ularly should be paid monthly by check on receipt of monthly 
 statements from such tradesmen. 
 
 The treasurer’s book should be balanced once a month and 
 verified by comparison with the bank balance. 
 
 Written monthly reports and statements, together with the 
 annual report and statement, should be filed in the secretary’s 
 book. 
 
 Books should be audited at the close of each Association 
 year by the college auditor or by the person agreed upon by 
 the cabinet and the faculty adviser or advisory committee. 
 
 Neatness and accuracy are qualities indispensable to every 
 member of the Finance Committee. 
 
 IV. Committee Meetings 
 
 Effective finance work necessitates regular monthly com¬ 
 mittee meetings throughout the year. The chairman is 
 justified in assuming the regular and punctual attendance of 
 every committee member. 
 
 Time is precious. The program should be prepared in 
 advance. Do not shilly-shally through the meeting. Be 
 businesslike and to the point. Adjourn promptly upon com¬ 
 pletion of the business in hand. Have some member appointed 
 to act as secretary for the committee and keep full record of 
 all actions taken. 
 
 An increasingly efficient committee is an increasingly intel¬ 
 ligent committee. A part of each committee meeting hour 
 should be devoted to study: study of the spiritual purpose of 
 the Association and of the way in which that purpose is being 
 realized on the campus; study of the local situation in order 
 that the plans made and the methods used may grow out of 
 a thorough and sympathetic knowledge of the girls; study of 
 the National and World’s Association movements and of all 
 related movements that the relationships may be real and 
 
 15 
 
not perfunctory; study of the work and of the workers in the 
 foreign field for which the Association has assumed definite 
 responsibility. 
 
 No matter how hurried or how short the time, never omit 
 or pass hastily over the time for quiet thought and prayer 
 at the beginning or close of the meeting. Unmeasured re¬ 
 sponsibility for making possible the fulfillment of the purpose 
 of the Association rests upon the Finance Committee and its 
 members need to pray much, both as a group and as indi¬ 
 viduals, that they may know how to spend wisely and to the 
 end that the coming of the Kingdom may be hastened. 
 
 Close co-operation should exist between the Finance Com¬ 
 mittee and the other Association committees. Team work 
 between committees is as valuable as team work between 
 individuals. 
 
 V. Thrift and Efficiency 
 
 Thrift? Balanced living, thoughtful investment in money 
 and moral values, good sense, good taste, good handling of 
 all one's resources, whether they be material or spiritual. 
 
 Efficiency? The best use of the powers of body, mind and 
 spirit measured against the one hundred per cent perfection 
 standard which Jesus Christ Himself attained and which He 
 set as the goal for those who follow after Him. 
 
 Realizing the need of American college women for balanced 
 living, which is the thrifty use of all that one is and has, and 
 the attainment in the use of all natural and acquired qualities 
 and powers of an efficiency which approaches Jesus' standard 
 of perfection, the Finance Committee shall: 
 
 1. Strive individually and as a committee to be increasingly 
 thrifty and efficient. 
 
 2. Study the reports of the Commission on Thrift and 
 Efficiency. 
 
 3. Co-operate in the promotion of the study of Thrift and 
 
 Efficiency among college women. 
 
 4. Present annually at an open meeting both personal and 
 Association finance as a spiritual asset. 
 
 16 
 
STUDENT LEAFLETS 
 For Universities and Large Colleges 
 
 Advisory Committee. Bertha Conde. 10 cents. 
 
 Association Membership and Church Work. Bertha Conde. 
 10 cents. 
 
 Association Meetings. Oolooah Burner. 10 cents. 
 Association News Committee. Edith Dabb. 5 cents. 
 
 Bible Study Committee and the Voluntary Study Plan. 
 Ethel Cutler. 10 cents. 
 
 Cabinet, The. Bertha Conde. 5 cents. 
 
 World Fellowship (for the Missionary Committee). Mar¬ 
 garet Burton. 10 cents. 
 
 Conferences and Conventions Committee. Louise Brooks. 
 5 cents. 
 
 Finance Committee. Blanche Geary. 5 cents. 
 
 How to Promote Eight Week Clubs. Mabel Stone. 5 cents. 
 How to Realize Our National Association Membership. 
 Eliza R. Butler. 10 cents. 
 
 For Colleges, Seminaries and Academies 
 The first six leaflets listed above, and “World Fellowship,” 
 “Conferences and Conventions Committee,” “How to Pro¬ 
 mote Eight Week Clubs,” and “How to Realize Our National 
 Association Membership,” as listed above. In addition: 
 
 Committee Work in Small Associations. Eleanor Rich¬ 
 ardson. 5 cents. 
 
 Finance Committee in a School or College Association. 
 Edith Helmer. 10 cents. 
 
 Social Service Committee. Eliza R. Butler. 5 cents. 
 Year’s Outline for Religious Meetings. Oolooah Burner. 
 10 cents. 
 
 -Nater As the cost of each of these lists totals $1.05, a 
 packet of each will be sent for $1.00. 
 
 Watch The Association Monthly for announcement of 
 additional leaflets during 1916-17. 
 
 Order from 
 
 Publication Department 
 
 National Board of the Young Women’s Christian Associations 
 
 600 LEXINGTON AVENUE, NEW YORK