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Many people think homelessness and hunger are personal failings. But with rising housing costs and inflation, simple economics are often to blame.
Our Tough Choices exercise makes it easy to see how everyday Georgians can quickly become housing and food-secure. At HOPE Atlanta, calls for help are increasing — especially among lower and fixed-income families like “Harold and Anita.”
They rely on our critical services and support to stay afloat. We need your help to answer the call. Take a walk in their shoes, then help us provide HOPE for these neighbors facing tough times.
HOPE Atlanta helps prevent homelessness and hunger by not only providing rental assistance and food for people who are struggling, but also giving them the individualized support they need to overcome challenges and reclaim self-sufficiency.
To calculate Social Security and Disability payments, We assumed Harold made above the average salary for a bus driver, $41,688, before he retired at age 65. Anita worked full-time during her career as a bookkeeper, earning $41,654 annually.
We calculated their auto loan amount based on average used car prices in the U.S., including interest at current rates. We assumed they drove an average number of miles per year (14,263) in a vehicle that gets 24 MPG (also the U.S. average). In Fulton County at the time of this writing, the average gasoline price was $3.60/gal. Gasoline prices rose 25.6% in Georgia between 2021 and 2022.
Keep in mind that these transportation costs don’t include maintenance or repairs!
Even seniors who are covered by Original Medicare (Part A) must purchase additional coverage for prescriptions, dental, and other important healthcare expenses.
We looked at average premiums for Medicare Part D (prescription) coverage and average dental plan premiums to arrive at these numbers. Keep in mind that premiums and costs can vary widely, and Harold and Anita would still be responsible for meeting deductibles or partially covering certain visits and procedures.
Who doesn’t love their pets? While pet ownership costs can vary widely, we found the average monthly pet ownership costs here and went with the lowest number in the range.
Clothing and other non-food necessities. The family in this scenario would need to find a way to secure these must-have items cheaply or through donations.
Renter’s insurance. Many apartment buildings require renters to carry renter’s insurance, which costs around $25 per month.
Emergency or savings account contributions. Every family needs an emergency fund. Unfortunately, with Harold and Anita’s income and the current living costs, it would be difficult to find extra money to put aside in savings.