at Issue

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POVERTY
at Issue
2007
Making Ends Meet in Missouri
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Definition of Poverty
3,600 for each additional member
Federal Register Vol. 72, No.15, Jan. 24, 2007
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Definition of Poverty
3,600 for each additional member
Federal Register Vol. 72, No.15, Jan. 24, 2007
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Making Ends Meet

• What does it mean?
• Short vs. Long term
• Typical Expenditures
• Needs vs. Wants
• Bills Paid
• Safe and Secure

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Safe Family
Family at Risk
Cannot meet its needsgrowth potential of
members minimal
Secure and potential to move forward
Thriving Family
Growing and contributing tocommunity and
well-being
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SAFE FAMILIES
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Even though a typical Missouri welfare family is
a 28-year-old mom with two young children...
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...families of all types struggle to make ends
meet at times.
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Average U.S. Family

• Earns 4,892 per month

Spends 3,867 per month
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Making Ends MeetAverage U.S. Family Monthly
Expenditures
Housing and Utilities 1276 (includes child
care 21 or 1)
33
Total Budget Family Expenditures
12
Making Ends MeetAverage U.S. Family Monthly
Expenditures
Food at Home 271
7
Total Budget Cumulative Expenditures Family
Expenditures
13
Making Ends MeetAverage U.S. Family Monthly
Expenditures
Food Away From Home 232
6
Total Budget Cumulative Expenditures Family
Expenditures
14
Making Ends MeetAverage U.S. Family Monthly
Expenditures
Transportation 696
18
Total Budget Cumulative Expenditures Family
Expenditures
15
Making Ends MeetAverage U.S. Family Monthly
Expenditures
Clothing 155
4
Total Budget Cumulative Expenditures Family
Expenditures
16
Making Ends MeetAverage U.S. Family Monthly
Expenditures
Health Care 232
6
Total Budget Cumulative Expenditures Family
Expenditures
17
Making Ends MeetAverage U.S. Family Monthly
Expenditures
Entertainment 193
5
Total Budget Cumulative Expenditures Family
Expenditures
18
Making Ends MeetAverage U.S. Family Monthly
Expenditures
Personal Insurance 39
1
Total Budget Cumulative Expenditures Family
Expenditures
19
Making Ends MeetAverage U.S. Family Monthly
Expenditures
Other (personal care, tobacco, alcohol, misc.)
193
5
Total Budget Cumulative Expenditures Family
Expenditures
20
Making Ends MeetAverage U.S. Family Monthly
Expenditures
Education, charity, religious 193
5
Total Budget Cumulative Expenditures Family
Expenditures
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Making Ends MeetAverage U.S. Family Monthly
Expenditures
Pension and Social Security 387
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Cumulative Expenditures Family Expenditures
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Making Ends MeetAverage U.S. Family Monthly
Expenditures
Expenditure
Percent Housing/Utilities (incl. child care)
1276 33 Food at home 271
7 Food away from home 232
6 Transportation 696
18 Clothing 155 4 Health
Care 232 6 Entertainment 193
5 Personal Insurance 39 1 Other (pers.
care, tobacco, alcohol, misc.) 193
5 Education, charity, religious 193
5 Pension Social Security 387 10
TOTAL 3,867 100
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Minimum Wage
13,832
6.65 X
2080 Hrs.
1,152
? 12 months
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Making Ends Meet
Average Min. Wage 3867/month
1152/month
Housing/Utilities 33
1276. 380. (including child care)
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Making Ends Meet
Average Min. Wage 3867/month
1152/month
Housing/Utilities 33
1276. 380. (including child care) Food - at
home 7 271. 80.
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Making Ends Meet
Average Min. Wage 3867/month
1152/month
Housing/Utilities 33
1276. 380. (including child care) Food - at
home 7 271. 80. Food - away
from home 6 232. 69.
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Making Ends Meet
Average Min. Wage 3867/month
1152/month
Housing/Utilities 33
1276. 380. (including child care) Food - at
home 7 271. 80. Food - away
from home 6 232. 69. Transportation
18 696. 207.
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Making Ends Meet
Average Min. Wage 3867/month
1152/month
Housing/Utilities 33
1276. 380. (including child care) Food - at
home 7 271. 80. Food - away
from home 6 232. 69. Transportation
18 696. 207. Clothing
4 155. 46.
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Making Ends Meet
Average Min. Wage 3867/month
1152/month
Housing/Utilities 33
1276. 380. (including child care) Food - at
home 7 271. 80. Food - away
from home 6 232. 69. Transportation
18 696. 207. Clothing
4 155. 46. Health Care
6 232. 68.
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Making Ends Meet
Average Min. Wage 3867/month
1152/month
Housing/Utilities 33
1276. 380. (including child care) Food - at
home 7 271. 80. Food - away
from home 6 232. 69. Transportation
18 696. 207. Clothing
4 155. 46. Health Care
6 232. 68. Entertainment
5 193. 57.
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Making Ends Meet
Average Min. Wage 3867/month
1152/month
Housing/Utilities 33
1276. 380. (including child care) Food - at
home 7 271. 80. Food - away
from home 6 232. 69. Transportation
18 696. 207. Clothing
4 155. 46. Health Care
6 232. 68. Entertainment
5 193. 57. Personal Insurance 1
39. 11.
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Making Ends Meet
Average Min. Wage 3867/month
1152/month
Housing/Utilities 33
1276. 380. (including child care) Food - at
home 7 271. 80. Food - away
from home 6 232. 69. Transportation
18 696. 207. Clothing
4 155. 46. Health Care
6 232. 68. Entertainment
5 193. 57. Personal Insurance 1
39. 11. Other 5 193.
56. (personal care, tobacco, alcohol, misc.)
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Making Ends Meet
Average Min. Wage 3867/month
1152/month
Housing/Utilities 33
1276. 380. (including child care) Food - at
home 7 271. 80. Food - away
from home 6 232. 69. Transportation
18 696. 207. Clothing
4 155. 46. Health Care
6 232. 68. Entertainment
5 193. 57. Personal Insurance 1
39. 11. Other 5 193.
56. (personal care, tobacco, alcohol,
misc.) Education, charity, religious 5
193. 56.
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Making Ends Meet
Average Min. Wage 3867/month
1152/month
Housing/Utilities 33
1276. 380. (including child care) Food - at
home 7 271. 80. Food - away
from home 6 232. 69. Transportation
18 696. 207. Clothing
4 155. 46. Health Care
6 232. 69. Entertainment
5 193. 57. Personal Insurance 1
39. 11. Other 5 193.
56. (personal care, tobacco, alcohol, misc.)
Education, charity, religious 5 193.
56. Pension SS 10 387.
115.
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Making Ends Meet
Average Min. Wage 3867/month
1152/month
Housing/Utilities 33
1276. 380. (including child care) Food - at
home 7 271. 80. Food - away
from home 6 232. 69. Transportation
18 696. 207. Clothing
4 155. 46. Health Care
6 232. 68. Entertainment
5 193. 57. Personal Insurance 1
39. 11. Other 5 193.
56. (personal care, tobacco, alcohol,
misc.) Education, charity, religious 5
193. 56. Pension SS
10 387. 115.
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380215595
Making Ends Meet
Average Min. Wage 3867/month
1152/month
Housing/Utilities 33 1276. 380. (inclu
ding child care) Food - at home 7
271. 80. Food - away from home
6 232. 69. Transportation
18 696. 207. Clothing 4 155.
46. Health Care 6 232.
68. Entertainment 5 193.
57. Personal Insurance 1 39.
11. Other 5 193.
56. (personal care, tobacco, alcohol, etc.)
Education, charity, religious 5 193.
56. Pension SS 10 387. 115.
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149215364
Making Ends Meet
Average Min. Wage 3867/month
1152/month
Housing/Utilities 33 1276. 380. (inclu
ding child care) Food - at home 7
271. 80. Food - away from home
6 232. 69. Transportation
18 696. 207. Clothing 4 155.
46. Health Care 6 232.
68. Entertainment 5 193.
57. Personal Insurance 1 39.
11. Other 5 193.
56. (personal care, tobacco, alcohol,
etc.) Education, charity, religious 5
193. 56. Pension SS
10 387. 115.
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Federal Earned Income Credit
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Federal Earned Income Credit
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The Challenges of Making Ends Meet
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Earnings vs. Educational Level
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Local Job Profiles
Types of jobs Hourly wage Full or
part-time, shift work, seasonal Benefits Locat
ion Education, skills, experience
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Do families have realistic opportunities?

• Family supporting wages?
• Safe housing available
• Alternative transportation
• Affordable, quality child care available?
• Financial assistance to help with child care
• Emotional, physical, financial support

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Assistance Sources
Community County State Federal
Food Pantry Habitat for Humanity Health
Department Nursing Homes Job Services Interfaith
Services WIC Red Cross
Government Non-Government
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Assistance Sources
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Assistance Sources
As Income goes up
Eligibility may go down
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Challenges
What if
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The Challenges of Making Ends Meet
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The Challenges of Making Ends Meet
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The Challenges of Making Ends Meet
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The Challenges of Making Ends Meet
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The Challenges of Making Ends Meet
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The Challenges of Making Ends Meet
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What can our community do to be sure families
really can Make Ends Meet?
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Partners in aCollaborative Effortto
IncreaseAwareness of Poverty

This organization no longer exists in the state
of Missouri. University of Missouri Extension
continues to update and maintain information
created through the original partnership.
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This project is supported by the University of
Missouri Extension, Outreach Development Fund.
University of Missouri Extension does not
discriminate on the basis of race, color,
national origin, sex, religion, age, disability
or status as a Vietnam-era veteran in employment
or programs.
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Credits

• Consumer Expenditures in 2006, U.S. Department of
  Labor Bureau of Labor Statistics,
  http//www.bls.gov/news.release/cesan.nr0.htm
• Current Population Survey, U.S. Census Bureau,
  2006
• Federal Register Vol. 71, No.15, January 24,
  2006, pp. 3848-3849.
• A Measure of How Families Are Doing, Karen
  Shirer, Iowa State University, University
  Extension
• The Missouri Self-Sufficiency Standard Necessary
  Wages for Essential Needs, Missouri Department of
  Economic Development, http//www.ded.state.mo.us/b
  usiness/researchandplanning/community/welfare/self
  -suffc.shtml

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Credits

• Poverty At Issue web site http//outreach.missouri
  .edu/cfe/poverty/
• Procter, B., Poverty At Issue newsletter,
  University Outreach Extension, Columbia,
  Missouri, Fall/Winter 2002
• ROWEL Education Association, 5300 Delmar, St.
  Louis, MO 63112
• USDA Cost of Food at Home Thrifty Plan, May 2006,
  http//www.cnpp.usda.gov/Publications/FoodPlans/Mi
  scPubs/TFP2006Report.pdf

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Thanks To

• Suzanne McGarvey, Consumer Family Economics
  Extension Associate
• Jeanette Mott Oxford and Amy Smoucha, ROWEL
  Education Association
• ROWEL Education Association Members attending
  Leadership Academy, June 1998, Mexico, MO
• Poverty At Issue Team Members
• Lucy Schrader, Consumer Family Economics
  Extension Associate
• Nodaway County Community Solutions for Rural
  Health Poverty Task Force

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Power Point Presentation Prepared By

• R. Beth Burke,
• NW Region Consumer and Family Economics
  Extension Specialist
• Karma Metzgar,
• NW Region Nutrition Extension Specialist
• Brenda Procter,
• MU Consumer and Family Economics Extension
  Specialist
• Jeanne Bintzer,
• Human Environmental Sciences Extension Graphic
  Designer

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Questions and Comments
Brenda Procter MU Consumer and Family Economics
Specialist Human Environmental Sciences
Extension 162 Stanley Hall, Columbia, MO
65211 [phone] procterb_at_missouri.edu
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POVERTY
at Issue
2007
Making Ends Meet in Missouri