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at Issue

POVERTY. at Issue. 2009. Making Ends Meet in Missouri. Definition of Poverty. +$3,600 for each additional member. Federal Register: Vol. 74, No. 14, Jan. 23, 2009. Definition of Poverty. +$3,600 for each additional member. Federal Register: Vol. 74, No. 14, Jan. 23, 2009.

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at Issue

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  1. POVERTY at Issue 2009 Making Ends Meet in Missouri

  2. Definition of Poverty +$3,600 for each additional member Federal Register: Vol. 74, No. 14, Jan. 23, 2009 University of Missouri Extension Poverty at Issue in MissouriROWEL Education Association

  3. Definition of Poverty +$3,600 for each additional member Federal Register: Vol. 74, No. 14, Jan. 23, 2009 University of Missouri Extension Poverty at Issue in MissouriROWEL Education Association

  4. Making Ends Meet What does it mean? • Short vs. Long term • Typical Expenditures • Needs vs. Wants • Bills Paid • Safe and Secure University of Missouri Extension Poverty at Issue in MissouriROWEL Education Association

  5. Family at Risk Safe Family Cannot meet its needs;growth potential of members minimal Secure and potential to move forward Thriving Family Growing and contributing tocommunity and well-being University of Missouri Extension Poverty at Issue in MissouriROWEL Education Association

  6. SAFE FAMILIES

  7. Even though a typical Missouri welfare family is a 28-year-old mom with two young children...

  8. ...families of all types struggle to make ends meet at times. University of Missouri Extension Poverty at Issue in MissouriROWEL Education Association

  9. Average U.S. Family Earns $4,892 per month Spends $3,867 per month University of Missouri Extension Poverty at Issue in MissouriROWEL Education Association

  10. Making Ends MeetAverage U.S. Family Monthly Expenditures Housing and Utilities $1276 (includes child care = $21 or 1%) 33% Total Budget Family Expenditures University of Missouri Extension Poverty at Issue in MissouriROWEL Education Association

  11. Making Ends MeetAverage U.S. Family Monthly Expenditures Food at Home $271 7% Total Budget Cumulative Expenditures Family Expenditures University of Missouri Extension Poverty at Issue in MissouriROWEL Education Association

  12. Making Ends MeetAverage U.S. Family Monthly Expenditures Food Away From Home $232 6% Total Budget Cumulative Expenditures Family Expenditures University of Missouri Extension Poverty at Issue in MissouriROWEL Education Association

  13. Making Ends MeetAverage U.S. Family Monthly Expenditures Transportation $696 18% Total Budget Cumulative Expenditures Family Expenditures University of Missouri Extension Poverty at Issue in MissouriROWEL Education Association

  14. Making Ends MeetAverage U.S. Family Monthly Expenditures Clothing $155 4% Total Budget Cumulative Expenditures Family Expenditures University of Missouri Extension Poverty at Issue in MissouriROWEL Education Association

  15. Making Ends MeetAverage U.S. Family Monthly Expenditures Health Care $232 6% Total Budget Cumulative Expenditures Family Expenditures University of Missouri Extension Poverty at Issue in MissouriROWEL Education Association

  16. Making Ends MeetAverage U.S. Family Monthly Expenditures Entertainment $193 5% Total Budget Cumulative Expenditures Family Expenditures University of Missouri Extension Poverty at Issue in MissouriROWEL Education Association

  17. Making Ends MeetAverage U.S. Family Monthly Expenditures Personal Insurance $39 1% Total Budget Cumulative Expenditures Family Expenditures University of Missouri Extension Poverty at Issue in MissouriROWEL Education Association

  18. Making Ends MeetAverage U.S. Family Monthly Expenditures Other (personal care, tobacco, alcohol, misc.) $193 5% Total Budget Cumulative Expenditures Family Expenditures University of Missouri Extension Poverty at Issue in MissouriROWEL Education Association

  19. Making Ends MeetAverage U.S. Family Monthly Expenditures Education, charity, religious $193 5% Total Budget Cumulative Expenditures Family Expenditures University of Missouri Extension Poverty at Issue in MissouriROWEL Education Association

  20. Making Ends MeetAverage U.S. Family Monthly Expenditures Pension and Social Security $387 10% Cumulative Expenditures Family Expenditures University of Missouri Extension Poverty at Issue in MissouriROWEL Education Association

  21. 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% University of Missouri Extension Poverty at Issue in MissouriROWEL Education Association

  22. Minimum Wage $14,664 $7.05 X 2080 Hrs. = $1,222  12 months = University of Missouri Extension Poverty at Issue in MissouriROWEL Education Association

  23. Making Ends Meet AverageMin. Wage $3867/month$1222/month Housing/Utilities 33% 1276. 403. (including child care) University of Missouri Extension Poverty at Issue in MissouriROWEL Education Association

  24. Making Ends Meet AverageMin. Wage $3867/month$1222/month Housing/Utilities 33% 1276. 403. (including child care) Food - at home 7% 271. 86. University of Missouri Extension Poverty at Issue in MissouriROWEL Education Association

  25. Making Ends Meet AverageMin. Wage $3867/month$1222/month Housing/Utilities 33% 1276. 403. (including child care) Food - at home 7% 271. 86. Food - away from home 6% 232. 73. University of Missouri Extension Poverty at Issue in MissouriROWEL Education Association

  26. Making Ends Meet AverageMin. Wage $3867/month$1222/month Housing/Utilities 33% 1276. 403. (including child care) Food - at home 7% 271. 86. Food - away from home 6% 232. 73. Transportation 18% 696. 220. University of Missouri Extension Poverty at Issue in MissouriROWEL Education Association

  27. Making Ends Meet AverageMin. Wage $3867/month$1222/month Housing/Utilities 33% 1276. 403. (including child care) Food - at home 7% 271. 86. Food - away from home 6% 232. 73. Transportation 18% 696. 220. Clothing 4% 155.49. University of Missouri Extension Poverty at Issue in MissouriROWEL Education Association

  28. Making Ends Meet AverageMin. Wage $3867/month $1222/month Housing/Utilities 33% 1276. 403. (including child care) Food - at home 7% 271. 86. Food - away from home 6% 232. 73. Transportation 18% 696. 220. Clothing 4% 155.49. Health Care 6% 232. 73. University of Missouri Extension Poverty at Issue in MissouriROWEL Education Association

  29. Making Ends Meet AverageMin. Wage $3867/month$1222/month Housing/Utilities 33% 1276. 403. (including child care) Food - at home 7% 271. 86. Food - away from home 6% 232. 73. Transportation 18% 696. 220. Clothing 4% 155.49. Health Care 6% 232. 73. Entertainment 5% 193. 61. University of Missouri Extension Poverty at Issue in MissouriROWEL Education Association

  30. Making Ends Meet AverageMin. Wage $3867/month$1222/month Housing/Utilities 33% 1276. 403. (including child care) Food - at home 7% 271. 86. Food - away from home 6% 232. 73. Transportation 18% 696. 220. Clothing 4% 155.49. Health Care 6% 232. 73. Entertainment 5% 193. 61. Personal Insurance 1% 39. 12. University of Missouri Extension Poverty at Issue in MissouriROWEL Education Association

  31. Making Ends Meet AverageMin. Wage $3867/month$1222/month Housing/Utilities 33% 1276. 403. (including child care) Food - at home 7% 271. 86. Food - away from home 6% 232. 73. Transportation 18% 696. 220. Clothing 4% 155.49. Health Care 6% 232. 73. Entertainment 5% 193. 61. Personal Insurance 1% 39. 12. Other 5% 193. 61. (personal care, tobacco, alcohol, misc.) University of Missouri Extension Poverty at Issue in MissouriROWEL Education Association

  32. Making Ends Meet AverageMin. Wage $3867/month$1222/month Housing/Utilities 33% 1276. 403. (including child care) Food - at home 7% 271. 86. Food - away from home 6% 232. 73. Transportation 18% 696. 220. Clothing 4% 155.49. Health Care 6% 232. 73. Entertainment 5% 193. 61. Personal Insurance 1% 39. 12. Other 5% 193. 61. (personal care, tobacco, alcohol, misc.) Education, charity, religious 5% 193. 61. University of Missouri Extension Poverty at Issue in MissouriROWEL Education Association

  33. Making Ends Meet AverageMin. Wage $3867/month$1222/month Housing/Utilities 33% 1276. 403. (including child care) Food - at home 7% 271. 86. Food - away from home 6% 232. 73. Transportation 18% 696. 220. Clothing 4% 155.49. Health Care 6% 232. 73. Entertainment 5% 193. 61. Personal Insurance 1% 39. 12. Other 5% 193. 61. (personal care, tobacco, alcohol, misc.) Education, charity, religious 5% 193. 61. Pension & SS 10% 387. 122. University of Missouri Extension Poverty at Issue in MissouriROWEL Education Association

  34. Making Ends Meet Average Min. Wage $3867/month $1222/month Housing/Utilities 33% 1276. 403. (including child care) Food - at home 7% 271. 86. Food - away from home 6% 232. 73. Transportation 18% 696. 220. Clothing 4% 155.49. Health Care 6% 232. 73. Entertainment 5% 193. 61. Personal Insurance 1% 39. 12. Other 5% 193. 61. (personal care, tobacco, alcohol, misc.) Education, charity, religious 5% 193. 61. Pension & SS 10% 387. 122.

  35. $403+232$635 Making Ends Meet Average Min. Wage $3867/month $1222/month Housing/Utilities 33% 1276. 403. (including child care) Food - at home 7% 271. 86. Food - away from home 6% 232. 73. Transportation 18% 696. 220. Clothing 4% 155. 49. Health Care 6% 232. 73. Entertainment 5% 193. 61. Personal Insurance 1% 39. 12. Other 5% 193. 61. (personal care, tobacco, alcohol, etc.) Education, charity, religious 5% 193. 61. Pension & SS 10% 387. 122. University of Missouri Extension Poverty at Issue in MissouriROWEL Education Association

  36. $159+232$391 Making Ends Meet Average Min. Wage $3867/month $1222/month Housing/Utilities 33% 1276. 403. (including child care) Food - at home 7% 271. 86. Food - away from home 6% 232. 73. Transportation 18% 696. 220. Clothing 4% 155. 49. Health Care 6% 232. 73. Entertainment 5% 193. 61. Personal Insurance 1% 39. 12. Other 5% 193. 61. (personal care, tobacco, alcohol, etc.) Education, charity, religious 5% 193. 61. Pension & SS 10% 387. 122. University of Missouri Extension Poverty at Issue in MissouriROWEL Education Association

  37. 2 or more children in family + yearly income less than $38,646 (or $41,646 for married workers) = Up to $4,824 One-child family + yearly income less than $33,995 (or $36,995 for married workers) = Up to $2,917 No children & between 25 & 64 + yearly income less than $12,280 (or $15,880 for married workers) = Up to $438 Federal Earned Income Credit University of Missouri Extension Poverty at Issue in MissouriROWEL Education Association

  38. 2 or more children in family + yearly income less than $38,646 (or $41,646 for married workers) = Up to $4,824 One-child family + yearly income less than $33,995 (or $36,995 for married workers) = Up to $2,917 No children & between 25 & 64 + yearly income less than $12,280 (or $15,880 for married workers) = Up to $438 Federal Earned Income Credit University of Missouri Extension Poverty at Issue in MissouriROWEL Education Association

  39. The Challenges of Making Ends Meet University of Missouri Extension Poverty at Issue in MissouriROWEL Education Association

  40. Earnings vs. Educational Level University of Missouri Extension Poverty at Issue in MissouriROWEL Education Association

  41. Local Job Profiles • Types of jobs • Hourly wage • Full or part-time, shift work, seasonal • Benefits • Location • Education, skills, experience University of Missouri Extension Poverty at Issue in MissouriROWEL Education Association

  42. 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 University of Missouri Extension Poverty at Issue in MissouriROWEL Education Association

  43. Assistance Sources Community County State Federal Food Pantry Habitat for Humanity Health Department Nursing Homes Job Services Interfaith Services WICRed Cross •Government •Non-Government University of Missouri Extension Poverty at Issue in MissouriROWEL Education Association

  44. Food Stamps Health Services Tax Credits Assistance Sources University of Missouri Extension Poverty at Issue in MissouriROWEL Education Association

  45. Assistance Sources As Income goes up… Eligibility may go down University of Missouri Extension Poverty at Issue in MissouriROWEL Education Association

  46. Education or skills training? Repairs? Medical Emergency? Fire or disaster? Home repairs? Illness? Whatever? Challenges What if… University of Missouri Extension Poverty at Issue in MissouriROWEL Education Association

  47. The Challenges of Making Ends Meet University of Missouri Extension Poverty at Issue in MissouriROWEL Education Association

  48. The Challenges of Making Ends Meet University of Missouri Extension Poverty at Issue in MissouriROWEL Education Association

  49. The Challenges of Making Ends Meet University of Missouri Extension Poverty at Issue in MissouriROWEL Education Association

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