Housing: 870. 190,000 on a 4 bed, 2 bath historic home in downtown.

Utilities: 250. Basic gas and electric after weatherization in the winter

Food: 850. For 2 adults, 5 children under 10

Healthcare: 159 + copay (avg 80) Monthly premium for employer-subsidized HMO

Recreation: 100. 2 family events monthly

Dozen Eggs: 1.19

Michalena's Frozen Lunch: $1

2 oz. Mid-grade pipe tobacco: $4.39

Daily Paper: $.50

20 minutes relaxing with a pipe and a paper after the office and before screaming kids: priceless