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Phone: (607) 273-4611
Toll Free: (877) 273-AFCU      Contact

Living Wage Chart 2009



Category Month (2006) Month (2008) Percent Change Year (2008) Comments Source
Rent $628 $763 21.50% $9,156 Fair market rent, single BR incl. utilities HUD
Food $180.95 $203.25 12.32% $2,439 Average of low-cost food plan for males/females 19-50 USDA
Transportation $164.22 $167.52 2.01% $2,010.24 Weighted average of amount spent on cars and public transportation ACS, BLS, EIA, TCAT
Communication $56.48 $61.49 8.87% $737.88 Local calling plan, 30 minutes long-distance and Internet BLS, Verizon
Health Care $122.62 $143.53 17.05% $1,722.36 Employee's share of premium and out-of-pocket medical expenses BLS, Alternatives
Recreation $100 $100 0.00% $1,200.00 Arbitrary Claritas
Savings  $56  $59.81  6.80%  $717.72  Adjusted for inflation  BLS
Miscellaneous  $105.08  $111.13  5.76%  $1,333.56  housekeeping supplies  Claritas
Net (Subtotal)  $1,413.35  $1,609.73  13.89%  $19,316.76    
Payroll Tax  $130.42  $147.29  12.93%  $1,767.45    
Federal Tax  $118.58  $117.95  -0.53%  $1,415.39    
State Tax  $41.83  $50.35  20.36%  $604.15    
 TOTAL  $1,704.18  $1,925.31  12.98%  $23,103.75    
 hourly@40 hrs/week  $9.83  $11.11*        
* The Tompkins County Workers Center/Living Wage Coalition figures that the hourly living wage without health insurance is $12.11 an hour.

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Joe Nolan, Home Green Home

My family's credit union has been Alternatives since '96; We liked the mission, and who could resist banking in a converted house? In 2005 I started thinking about a retail start-up called "Home Green Home" that would sell healthy and eco-conscious home furnishings and renovation supplies. The Business CENTS class helped me to understand and develop the elements of a business plan, and set me on the path to taking the big leap.

At every stage, I've felt well supported by Alternatives' friendly staff. From one-on-one consultation to business banking and credit needs, I've received quick, helpful service at Alternatives. We always look to partner with organizations that share our values, and Alternatives fits the bill.

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