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Credit Pacific Service Union Despite all our concerns with self-fulfillment, most Americans work to earn money, just as their forebears did 100 years ago.

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Credit First Service Union The relative costs of necessities have changed, and so has a fair definition of what is necessary. But even with all our economic growth, and even with some items much cheaper than they once were, families still spend about four-fifths of their budgets for core needs, just as their counterparts did a century ago. Perhaps there should be some national introspection about how much we have really gained.

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Card Credit Mobile Service Certainly, we have escaped the overwhelming tyranny of food. In 1901, the Bureau of Labor Statistics reported that in major industrial cities, the biggest expenditure item for families was food half of spending in low-income families and a third in more affluent ones. In 1999, food took only 15 percent of household spending, and more than a third of that spending was for food prepared away from home. For food from their own kitchens, Americans now use up only 9 percent of their budgets. They can cover that with a little more than a month of work probably the lowest level of work effort for food in human history. Even households in the lowest fifth of income use only 18 percent of total spending for food.

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Card Credit Discover Service Something similar has happened with clothing. In 1901 it took 10 to 15 percent of the family budget, and now it takes only 5 percent.

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Credit Public Service Union What, then, are Americans spending their money on? A common stereotype of the pampered consumer might suggest that large amounts are going for toys and luxuries, but I found while conducting studies for Redefining Progress, a public policy organization in Oakland, Calif., that this is a misconception. Electronic gadgets, for instance, have a small place in consumer spending 2 percent in 2000. Entertainment takes less than 6 percent.

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Card Credit Processing Service The largest expenditure item now is housing. Bringing together renters and owners, shelter, including utilities, takes 27 percent of our spending, compared to a very similar 25 percent in 1901. Although our homes today are much more luxurious, safe neighborhoods with good public schools remain out of reach for many.

Center Credit Service Union The big growth category is transportation. In the earliest studies of consumption, transportation wasn't even a separate category; it took only 1 or 2 percent of spending. But then came the automobile, and now we devote more than 20 percent of our spending to transportation. Just to cover that, the average American family works from New Year's Day to March 14. No society in history has worked so much just to be able to get around.

Card Credit Service Wireless A car may once have been a luxury, but as cities and suburbs have spread out, stores have disappeared from neighborhoods, and work and school have ceased to be within walking distance, nearly all Americans have become car-dependent. And with most women in the formal work force, many families have two automobiles not really as a matter of choice, but as a basic need.

Credit Security Service Union Another work-related item virtually unknown a century ago is day care. Self-sufficiency budgets, calculated by many states to determine families' costs for basic needs, allocate 25 to 30 percent of a low-income household's spending for day care.

Credit Report Service Though education remains only a minor category of spending 2 percent this is just on average. For families with children in college and college is now required for far more jobs than in the past this expense can be staggering.

Blogspot Com Christian So in a century of growing incomes and changing lives, what has been gained? While the energies of Americans are expended to obtain different items than they were years ago, what remains constant is the emphasis on the basics.

Christian Counseling Credit In 1901, 80 percent of spending went for food, housing and clothing. In 1999, 81 percent of spending went for food, housing, clothing, transportation and health care. A century of economic growth has certainly brought some genuine progress, but it is less clear-cut than we sometimes think.

Credit Federal Service Union By Jerome M. Segal, a senior research scholar in public affairs at the University of Maryland, the author of ``Graceful Simplicity.''

Credit Monitoring Service New York Times - 9/3/2001

Topic: Green Living

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