A Scottish wife, an English wife, and an Irish wife were all talking about how they never had enough money to go shopping. All of a sudden, the English wife had an idea.

"I know! We can take off our underwear, and then when our husbands notice, we can say we don't have enough money even for knickers!"

Everybody thought this was a good idea, so they went home to try it. When the English wife's husband noticed, he gave her 200 pounds to go shopping with. When the Irish wife's husband noticed, he gave her his credit card. The next day, they all three met up to discuss how it went. The Irish wife and the English wife were all dressed up in their new clothes, but the Scottish wife was still in rags. The other two demanded to know what had happened.

"Well," said the Scottish wife. "As I was gardening, I bent over to show him I wasn't wearing any undies. But when he saw, he gave 40p to get a comb!"