How to Live on 24 Hours a Day

"Yes, he's one of those men that don't know how to manage. Good situation. Regular income. Quite enough for luxuries as well as needs. Not really extravagant. And yet the fellow's always in difficulties. Somehow he gets nothing out of his money. Excellent flat-half empty! Always looks as if he'd had the brokers in. New suit-old hat! Magnificent necktie-baggy trousers! Asks you to dinner: cut glass...