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Kodey
I, as of recently, have lost 95% of my hours at my part-time secondary job. My primary workplace however, is currently paying me $10.50/hr. I am now curious if myself, along with my fiance and 2-year-old daughter could survive off of the estimated 1300/month.
Currently, expenses that I can track (or estimate) are as follows:
Rent 540 (2bd 1b apt)
Electric 100-120 summers 50-80 winter
Gas 0 (included in rent)
Water 0 (also included in rent)
Car insurance 115
Groceries 300-350+
Fuel 120+
Toiletries 40+
I would also like to add that for the time being, I am currently receiving government assistance in the grocery department. I suppose that should be added to my monthly income. I would like to release myself from the assistance as soon as I am able to go without.
Long story short, 1550 a month is a better estimate for my monthly income at this point in time.
If my partner was to pick up a part-time job, I would then need a form of daycare for my 2 year old. Greatly increasing my monthly expenses. We are also working with just the one vehicle, bring the issue of limited transport into play. How could we counter this to improve our current state of living?
This is NET not GROSS if that makes any difference at all.
Answer
$1300 a month to play with (go with the pessimist view always so that you have "left-overs" to play with).
10% goes to long-term (retirement) savings: $130 a month. While you're in the crapper, make this 3% ($39) towards retirement and 7% ($91) towards your emergency fund.
15% goes to debt repayment/emergency fund: $195 a month that should be going to a regular savings account until you have at least 6 times your monthly income ($7800); in your case, you should just be aiming to save as much as you can beyond that amount.
35% goes to housing (rent, mortgage, bills, utilities, insurances, etc.): All-inclusive, you can afford under $455 a month, which means that you would be over-spending by $165; get more income to cover this gap.
15% goes to transportation (gas, insurance, repairs, bus): $195 a month, which you are over-spending by $40; more income to cover the gap.
25% goes to life (food, entertainment, clothing, gifts, travel, medical, wants, phone, internet, cable, other): $325 a month, or $81.25 a week. I suppose it depends on where you live, but I'm a young adult living on my own and that's what I can support myself on only.
So you need at least $205 extra every month to cover your gaps, and preferably a bit more than that so you can add some to life/savings.
What about the side-jobs? Tutor, baby-sit, pet-sit, house-sit, walk dogs, clean pools, weed gardens, mow lawns, shovel snow, rake leaves, clean houses, run errands for people, etc.
Your fiancé is staying home anyway to take care of your child, why doesn't she do a home-daycare? If she took care of one extra child five days a week and charged $25 per day, she'd be making $500 extra every month doing what she already does with your kid; not to mention she would have a play-date all the time.
$1300 a month to play with (go with the pessimist view always so that you have "left-overs" to play with).
10% goes to long-term (retirement) savings: $130 a month. While you're in the crapper, make this 3% ($39) towards retirement and 7% ($91) towards your emergency fund.
15% goes to debt repayment/emergency fund: $195 a month that should be going to a regular savings account until you have at least 6 times your monthly income ($7800); in your case, you should just be aiming to save as much as you can beyond that amount.
35% goes to housing (rent, mortgage, bills, utilities, insurances, etc.): All-inclusive, you can afford under $455 a month, which means that you would be over-spending by $165; get more income to cover this gap.
15% goes to transportation (gas, insurance, repairs, bus): $195 a month, which you are over-spending by $40; more income to cover the gap.
25% goes to life (food, entertainment, clothing, gifts, travel, medical, wants, phone, internet, cable, other): $325 a month, or $81.25 a week. I suppose it depends on where you live, but I'm a young adult living on my own and that's what I can support myself on only.
So you need at least $205 extra every month to cover your gaps, and preferably a bit more than that so you can add some to life/savings.
What about the side-jobs? Tutor, baby-sit, pet-sit, house-sit, walk dogs, clean pools, weed gardens, mow lawns, shovel snow, rake leaves, clean houses, run errands for people, etc.
Your fiancé is staying home anyway to take care of your child, why doesn't she do a home-daycare? If she took care of one extra child five days a week and charged $25 per day, she'd be making $500 extra every month doing what she already does with your kid; not to mention she would have a play-date all the time.
Can someone answer these questions on the movie Cinderella Man for me please?
Belen J
These are the questions :
3. THROUGHOUT THE FILM, Braddock and his family are shown walking the streets of New York and
during these scenes we see examples of how people reacted and survived the Great Depression. An example of
this is when Braddock walks to Madison Square Garden and a mother is shown urging her sons to get out of the
car and collect pieces of wood. List and describe 2 examples from the movie.
4. After working the docks, Jim Braddock and his co-worker Mike Wilson discuss the situation of the Great
Depression. How do BOTH Braddock and Wilson view the situation.
10. Explain what âHoovervilleâ was and describe how it is displayed in the movie?
11. During the press conference for the championship bout, what does Braddock say he is fighting for this time
round and what do you think it means?
12. Where does Mae go before Braddockâs championship fight? What does she realize while she is there?
13. What is the final result of the championship bout between Jim Braddock and Max Baer?
They don't need to be lengthy answers . Thank you (:
Answer
3. There are several examples of how The Great Depression affected people:
*The Braddock's had their gas and electric turned off and became cold even though Mae and the kids tried to collect fire wood from fence slats, etc.
*They mention the long "bread lines" in which people stood in line to receive government relief such as bread and other staples.
*Braddock, himself, though reluctant, has to apply for public assistance from the Emergency Relief Administration of New Jersey.
*At the ERA of New Jersey, you hear a male's voice complaining to an employee that his wife has lost all her teeth because she has to continue to nurse their child because the child needs milk (calcium), and the wife/mother has an insufficient diet since they can't afford vitamin-rich foods.
*Work is scarce. Relief shifts at the dock are usually for just a small number of men -- maybe five or nine per shift. The men beg to be chosen fy the shift foreman.
*People were living in shacks in Central Park.
* Husbands are abandoning their wives and children because they can no longer provide for them.
* People are stealing food because they are hungry but Jay, the oldest son of the Braddock's steals a salami sausage because he doesn't want his parents to send him away to live with wealthier relatives -- all because there was not enough food on the table.
* The main meat source that the children (Rosemarie, Howard and Jay) ate was: what-looked-like canned SPAM.
4. Mike Wilson, Braddock's new friend whom he met on the docks, wants the men to unionize and fight back. But Braddock says: "Fight what? Bad luck? Greed? Drought? You can't fight what you can't see. FDR is gonna' handle it." In other words, Braddock still has faith in the country's government to eventually correct the economic situation, that President Franklin D. Roosevelt will fix matters. Wilson disagrees since he lost his home, his job as a stockbroker, etc.
10. http://en.wikipedia.org/wiki/Hooverville Braddock's co-worker and friend Mike Wilson first mentions Hooverville and says that it's the cardboard shacks in shantytown (located in Central Park). Later, Hooverville is where union organizers fight with the police and Wilson is crtically injured when he was trampled by a runaway horse cart.
11. Braddock says something like: "I know what I'm fighting for [this time] -- milk!" Braddock was fighting to earn enough money to put food on the table, including milk, for his young children. Bread and milk were basic food staples during the Great Depression years. Jobs, money, food, etc. were scarce. Remember the scene in which Mae adds water to the milk bottle to make it go further?. Too, the fight matches paralleled the daily fighting of Americans, at the time, to make ends meet and survive from one day to the next with an uncertain future.
12. First, Mae took the kids and went to her sister Alice's house and forbid herself and the kids from listening to the radio so as to not hear the blow-by-blow fighting match. But she later found the kids with the radio in the closet listening to the radio anyway.
Too, after dropping off the kids at Alice's, she next went to her neighborhood church to pray for her husband but was surprised that the church pews were full of other people (primarily the poor) and the priest who were ALL praying for Braddock. She was then convinced that her husband needed to fight this big boxing match for the sake of the people who admired him as a hero.
13. Braddock defeats the seemingly-invincible Baer to become the heavyweight champion of the world.
3. There are several examples of how The Great Depression affected people:
*The Braddock's had their gas and electric turned off and became cold even though Mae and the kids tried to collect fire wood from fence slats, etc.
*They mention the long "bread lines" in which people stood in line to receive government relief such as bread and other staples.
*Braddock, himself, though reluctant, has to apply for public assistance from the Emergency Relief Administration of New Jersey.
*At the ERA of New Jersey, you hear a male's voice complaining to an employee that his wife has lost all her teeth because she has to continue to nurse their child because the child needs milk (calcium), and the wife/mother has an insufficient diet since they can't afford vitamin-rich foods.
*Work is scarce. Relief shifts at the dock are usually for just a small number of men -- maybe five or nine per shift. The men beg to be chosen fy the shift foreman.
*People were living in shacks in Central Park.
* Husbands are abandoning their wives and children because they can no longer provide for them.
* People are stealing food because they are hungry but Jay, the oldest son of the Braddock's steals a salami sausage because he doesn't want his parents to send him away to live with wealthier relatives -- all because there was not enough food on the table.
* The main meat source that the children (Rosemarie, Howard and Jay) ate was: what-looked-like canned SPAM.
4. Mike Wilson, Braddock's new friend whom he met on the docks, wants the men to unionize and fight back. But Braddock says: "Fight what? Bad luck? Greed? Drought? You can't fight what you can't see. FDR is gonna' handle it." In other words, Braddock still has faith in the country's government to eventually correct the economic situation, that President Franklin D. Roosevelt will fix matters. Wilson disagrees since he lost his home, his job as a stockbroker, etc.
10. http://en.wikipedia.org/wiki/Hooverville Braddock's co-worker and friend Mike Wilson first mentions Hooverville and says that it's the cardboard shacks in shantytown (located in Central Park). Later, Hooverville is where union organizers fight with the police and Wilson is crtically injured when he was trampled by a runaway horse cart.
11. Braddock says something like: "I know what I'm fighting for [this time] -- milk!" Braddock was fighting to earn enough money to put food on the table, including milk, for his young children. Bread and milk were basic food staples during the Great Depression years. Jobs, money, food, etc. were scarce. Remember the scene in which Mae adds water to the milk bottle to make it go further?. Too, the fight matches paralleled the daily fighting of Americans, at the time, to make ends meet and survive from one day to the next with an uncertain future.
12. First, Mae took the kids and went to her sister Alice's house and forbid herself and the kids from listening to the radio so as to not hear the blow-by-blow fighting match. But she later found the kids with the radio in the closet listening to the radio anyway.
Too, after dropping off the kids at Alice's, she next went to her neighborhood church to pray for her husband but was surprised that the church pews were full of other people (primarily the poor) and the priest who were ALL praying for Braddock. She was then convinced that her husband needed to fight this big boxing match for the sake of the people who admired him as a hero.
13. Braddock defeats the seemingly-invincible Baer to become the heavyweight champion of the world.
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Title Post: Can a family of 3 survive on just over 1300 a month?
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Rating: 92% based on 925 ratings. 4 user reviews.
Author: Unknown
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