For this assignment, I had to create a monthly budget for a family in Oswego, Illinois. I choose this location because this is my hometown and also because it has the lowest crime. The family included a single mother of 3 children and the mother consistently brings home $2000 per month. I started this project by looking for a house that was affordable for the family’s budget. I found a nice house that had 4 bedrooms, 1 bathroom, and it was 2 stories. The mortgage on the house was $84,500, and so that makes it $399 per month. I think this is a great price for this family’s budget because it is a good size family house and it is a reasonable price for her income. How I found the insurance on the house was by trying to find the average cost of homeowners in Illinois which is $70.56. Then how I found the property tax was by trying to find the average cost in Kendall County, Illinois which was 2.16%. The calculation included the mortgage which was $84,500 and then multiplied the average property tax which was 2.16 and that equaled to $1,825.2 per year. However, I needed to find the price per month and so I found that by 1,825.2 divided by 12 and that equaled $152.1 per month. The next thing is did was find the families’ budget for food. The family is on the SNAP (supplemental nutrition assistance program) that provides food and funds to help keep client sufficiently fed. So, through the SNAP calculator the family is able to receive $217 per month. The family is also in the WIC (women infant children) program which provides mothers and young children with required nutritional needs for the family. The two children are able to get free lunch because of the low income. The family is also able to go to a food pantry at a local church in O... ... middle of paper ... ...ine according to that requirements. The children are able to get their school fee waiver for free because they fit into the low income family’s requirement. So, after calculating all of the prices the total was $1,718.94 which mean it has an extra bill of $281.06. The family decides to save the money for either future emergencies, for school activities, or save it for next month. So in conclusion, how it felt to manage Genevieve’s monthly finances was a stressful process at first because I did not know where to get started. However, as I found more resources and information, the process became less difficult. I really enjoyed this project because I did not realize the average cost that people need to pay in America to provide for their family. At the end of the project, I am a lot more knowledge about saving money and how people have to survive on a low income bill.
The Nolan family have an old tin-can bank that they keep in a closet in their house. Katie was told to have this bank to accumulate money to buy land so she could pass it on to her children. They put as much in as they can afford every day, and it slowly accumulates little by little. This book shows that, a penny saved, is a penny earned. And that every little bit counts. It makes you realize that money is not everything.
She knows she will never truly experience poverty because this is nothing more than a project but she leaves behind her old life and becomes known as a divorced homemaker reentering the workforce after many years. Her main goal is to get enough income to be able to pay for all her expenses and have enough money to pay next months rent.
Raquel and Melanie are two poverty stricken students that attended University Height’s High School in the South Bronx, because their school was not federal funded, it lacked resources; so it does not come as a surprise, perspective students like Melanie and Raquel have more of a ...
Miss. Moore takes the children to a toy store in New York that is very high-class. She believes that it is her job to teach the children in her neighborhood since she has a higher education, unlike the children's parents. When they get to the toy store the children are excited and run to look at the toys. They were shocked and surprised at the price of the toys. The lesson she teaches them is about what things cost.
She would mostly be alone and sit by herself being buried in books or watching cartoons. In high school she attended a program for troubled adolescents and from there she received a wide range of support from helping her get braces to helping her get information to attend community college. (59) Even with this she was already too emotionally unstable due to her family issues and felt like she couldn’t go through with her dreams to travel and even go into the art of culinary. She suffers from psychological problems such as depression and worries constantly about almost every aspect in her life from work to family to her boyfriend and just hopes that her life won’t go downhill. (60) Overall Kayla’s family structure shows how different is it now from it was in the 1950’s as divorce rates have risen and while before Kayla’s type of family structure was rare now it is becoming more common. This story helps illustrate the contributions of stress that children possess growing up in difficult homes in which they can’t put their own futures first they must, in some cases, take care of their guardian’s futures first or others around them. Again, this adds into the inequality that many face when it comes to being able to climb up the ladder and become successful regardless of where one
due to weak funding in the educational system. Milloy makes the readers wonder why certain schools do not live up to the standards of others in nearby towns. Although a play ground was built for this school, Maurice may never be able to play on it because he must learn how to walk, talk, and eat all over again. People take forgranted the daily rituals of life and if put in the shoes of a parent of this boy, one would realize how tragic this accident was and even the effects the education system has.
“I always knew I wanted to be a teacher,” she stated. Her passion for helping children with special needs was developed at a later age. The reason why Chris decided to be a special education teacher was because of two twin boys in her grade who had special needs. Chris was only in kindergarten at the time, but she recalls that one of these boys did not get to go to school. The other boy, Jimmy, could come to school, but he would have to leave halfway through the school day. Chris was confused and upset about how Jimmy could not be at school and asked her mom about this. The reason why Jimmy and his brother were not at school was because there was no special education program. This moment, even though she was in kindergarten, shaped Chris’s plan for her
Jeanette had somewhat of an usual childhood compared to other kids in the United States. Where most kids don’t have to worry about if there are going to school or the money problems that come up, nevertheless Jeannette has to worry. Jeannette have to deal with her self center mother , her eccentricity father , her older sister that does not protect her and her brother that give up almost everything for her. Jeannette overcome it all and become the strong woman that all reader will believe she is .
Koppich, Julia E. “Journal Issue: Financing Schools.” The Future of Children. 7.3. (1997). Web. 30 Apr. 2014.
The lack of education can lead to poverty and poverty can lead to a lack of education, this is a cycle that is hard to get out of. Author Wes mother was able to go to college and get her degree. She wasn 't the first to go or the first two finished. She was able to overcome the situation poverty and found a way to go to college. This desire for college was something she gave to author Wes. She knew the public school was a bad place to be for her son so she did what she had to have the money to send Wes to Riverdale Country School. Author Wes got the schooling that had more of a focus on attending college as an end goal by attending Riverdale Country School. Since he went to Riverdale Country School he got the desire to get a degree that he probably would have never got in the public school in his neighborhood. The other Wes mother 's life was different and she didn 't put that need to get a degree into her
She mentions how schools would have to increase their spending by around 1,000 dollars per student to achieve the same results that are gained through parental involvement. Geoffrey Canada’s Harlem Children’s Zone is a great example of how parents can be involved in their child’s early education. Canada created this project as a way to help low income parents rear their children toward the goal of them being ready and having success in school. The program starts at birth and follows the children to college and operates on the principle that each child will do better if the children surrounding them are also doing well. By entering their children into this program, the parents are helping to ensure that the child is on the same level playing fields as all of those who enter school. Parental involvement is key in a child’s education, but for parents who are working multiple jobs or do not speak the same language that is being taught at the school, it can be very difficult. Lower income families may struggle with parental involvement because of a lack of resources or time. The language barrier also creates a divide in the communication lines between schools and families. Parents who cannot understand what their child is learning are not going to want to be as involved. They won’t be as willing to talk to the teacher or other parents if they don’t understand what is happening because of a language or educational
According to the American Psychological Association, “In 2010, the poverty threshold, or poverty line, was 22,314 dollars for a family of four” (2). People living in poverty may be forced to depend on public assistance programs such as food stamps, or more formally known as Supplemental Nutrition Assistance Program or SNAP. On the exterior, this program seems to benefit hungry families, but in all actually it is actually facilitating their obesity. The formerly mentioned family of four would be qualified to receive a maximum of 688 dollars a month in food stamps (North Carolina Department of Health and Human Services). That equates to just over 170 dollars a week or 40 dollars per family member. A paltry amount such as this forces families to make difficult decisions regarding the amount and type of food they provide their family.
“I always knew I wanted to be a teacher,” she stated. Her passion for helping children with special needs was developed at a later age. The reason why Chris decided to be a special education teacher was because of two twin boys in her grade who had special needs. Chris was only in kindergarten at the time, but she recalls that one of these boys did not get to go to school. The other boy, Jimmy, could come to school, but he would have to leave halfway through the school day. Chris was confused and upset about how Jimmy could not be at school and asked her mom about this. The reason why Jimmy and his brother were not able to be at school was because there was no special education program available. This moment, even though she was in kindergarten, shaped Chris’s plan for her life.
Alaimo, K., Olson, C. M., Frongillo, E. A., & Briefel, R. R. (2001). Food insufficiency, family income, and
Budget is combining your income and expenses to decide how much money you are going to spend on an item. Budget is an important step to determine your financial health and financial stability. It’s an important financial tool because it can help plan for expenses, cut cost were unneeded, save for future goals, plan for emergencies that occur inexpediently, and list what you are spending and saving.