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In the text, the author outlines their financial situation over several academic years. They spent $15 on railroad fares and $8.24 on sundries. During the following summer, they earned $100 by waiting tables at a $4 boarding house, providing half-board while paying $1 per week for their room. Sophomore year expenses totaled $394.50, with earnings of $87.20 from work, a $70 scholarship, and $12.50 in gifts, ultimately borrowing $150 to cover expenses. In junior year, they rented a furnished room for $60, earning $37, full board from waiting tables, a $70 scholarship, and $55 in gifts, borrowing an additional $70, which balanced their account except for $40 due for tuition.
