Table 1.

Dependent Variables.

Variable	Hypothesis	Percentage of Total	Description
Total spending	1	100.0	Total household spending on food, housing, utilities, furniture, appliances, childcare, clothes, personal care, transportation, health care, health insurance, entertainment, education, reading material, personal insurance, pensions, alcohol, tobacco, and other miscellaneous expenditures
Groceries	2	12.5	Food prepared and consumed at home
Owned housing	3A	14.1	Mortgage principal and interest, homeowner’s insurance, property taxes, management fees, maintenance fees, service or repair charges paid by homeowner
Rented housing	3B	8.6	Rent, renter’s insurance, management fees, maintenance fees, service or repair charges paid by renter
Utilities	4	9.6	Natural gas, electricity, heating fuels, telephone, water, and sewage costs for owned or rented properties
Transportation	5	14.1	Gasoline, diesel fuel, and motor oil, costs for new or used vehicle purchase, vehicle finance charges, maintenance and repairs, insurance, lease charges, cash down, termination fees for leased vehicle, driver’s license cost, rental costs, vehicle inspection fees, parking and tolls, Global Positioning System fees, towing charges, membership fees for automobile service clubs
Health care	6	8.7	Medical and laboratory services (physicians, dentists, and eye care providers), hospitalization, convalescent care, prescription drugs, eyewear, hearing aids, convalescent medical equipment (e.g., wheelchair), general medical supplies, and health insurance premiums
Entertainment	7	4.5	Fees and admission for health clubs, country clubs, swimming pools, tennis clubs, social clubs, and other civic, service, or fraternal organizations; televisions, radios, and sound equipment; pets, toys, and playground equipment; miscellaneous recreational equipment (e.g., musical instruments, boating equipment, photography equipment)