couponing in the holy land

Frugal food shopping for the Anglo Israeli

Archive for the tag “home economics”

How the other half lives: The Wolfowitz Family

Yael (30) and Mor (29) Wolfowitz have three children: Ariel (9), Netanel (8) and Yasmine (5).

They live in a 4 room (3BR) garden apartment in Yishuv Avnei Hefeitz in the Shomron for which they have a mortgage.

Yael is a secretary for the rehabilitation work center “Chimes Israel” in Kfar Saba.  Mor is a networks manager for Machon Mor as well as studying for a bachelor’s degree in information security in Michlelet Or Yehuda.  Their car is a company car.

Hobbies and chugim: Netanel takes a drums chug, Ariel is in an art chug and Mor loves to fish.

Vacations: “After three years where we didn’t go on a vacation due to financial reasons, last July we went away for four days to the family hotel Nova Like in Eilat.  Every year we also go on a vacation on Sukkot.”

Budget: Yael: “I am on the internet obsessively and check my bank account all the time.  We had a fall, but when that happened we returned to Paamonim, got myself together and returned to proper financial management.  It isn’t simple, especially in the months of July and August.  In the past we were dependent on our parents but now we are completely independent.  Because of Paamonim I am more careful and on my own I began to volunteer to help others better manage their home finances.  Today I am a different person and that makes me much happier.  When I get into a disaster I know how to get out of it, and that is the best present that I received.”

Monthly expenses:

Apartment: 2093 shekels

Electricity and water: 520 shekels

Communication and television: 350 shekels

School and chugim: 2050 shekels

Car and gas: 220 shekels

Insurance: 400 shekels

Kupot Cholim: 230 shekels

Food and household expenses: 2800 shekels

Culture and leisure time: 200 shekels

Vacations: 300 shekels

Miscellaneous expenses ( pets, haircuts, fines, clothing, shoes, present, etc.): 845 shekels

Loans: 1500 shekels

Savings: 1000 shekels

TOTAL MONTHLY EXPENSES: 12, 508 shekels

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How the other half lives- The Bass Family

One of the most important issues for new olim is learning how to make ends meet at the end of each month.  Sometimes it feels as if we are drowning and wonder how it is that Israelis seem to have it so much easier than us.  Every once in a while the newspapers publish stories about average Israeli families and their financial situations.  I think it is important for olim to see how the other half lives to help us put our own financial struggles in perspective.  This article was published in Yisrael HaYom  on 12 September 2014.

Yasmine (34) and Amit (36) Bass

Two children: Orin (6) and Yanai (4)

They live in a 3 room apartment (2BR) in Haifa for which they have a mortgage.

Yasmine has a bachelor’s degree in psychology and is studying social work at the University of Haifa.  Amit is a welder for the electric company.  They own a 2006 Renault Scenic.  For hobbies, Amit plays sports on the beach for free.  Yasmine: “I am a proud housewife and student, and my hobbies and free time revolves around the house.”  The last vacation they took was three years ago when they went to Eilat through Amit’s work so it was very cheap.

The budget: “We are constantly in minus but we know that it is a temporary situation because learning is intensive right now.  We are about 4000 shekels short each month.  We generally live on Amit’s salary. Since I started learning two years ago we are living on our savings.  We sold our apartment in Rishon L’zion specifically so I would be able to learn.  With what we earned from the sale we were able to buy the apartment in Haifa and be able to start learning.   To my luck I am an excellent student – so that I am able to deliver the goods.  We received help from Paamonim and got insight into household financial management and we are trying to pay up front so that we don’t build up debt.”

Monthly expenses:

Apartment: 3388 shekels

Electricity and water: 565 shekels

Communication and television: 540 shekels

School and chugim: 742 shekels

Car and gas: 2210 shekels

Insurance: 660 shekels

Kupot Cholim: 223 shekels

Food and household goods: 3000 shekels

Culture and socialization: 233 shekels

Vacations: 0 shekels

Miscellaneous expenses (pets, haircuts, fines, clothing, shoes, presents, etc.): 1175 shekels

Loans: 350 shekels

Savings: 500 shekels

TOTAL MONTHLY EXPENSES: 13,586 shekels

Home Economics: The Tadmor-Levy Family

Kfir (36) and Dafna (34).  Children: Tali (3.5) and Shahar (7 months).  The live in a four room (3BR) apartment in Tivon.  Kfir is an administrator in a company and Dafna is the office  manager of a conservatory in Kiryat Tivon.  They own a Hyundai Accent, 2000 model.

Chugim: none- the kids are too young.

Hobbies: Kfir is studying for a masters in English literature in Haifa University and Dafna translates books.

Last vacation: We don’t go on vacation because it isn’t our style.  If we had a ton of money, we would, but with two little kids it isn’t fun.  If we go out, it is to the forest in Tivon.

Budget:  We don’t have a television for ideological reasons, we shop at secondhand stores and don’t get haircuts outside of the house.  We are not in minus right now, but in the last few years the money issue has become more difficult- at one point we had a 45,000 shekels minus for 4 months.  We are in a different situation completely now because of Paamonim.  They taught me not only to decrease our expenses but also find ways to increase our income.  My new job that I found is because of Paamonim.

Monthly expenses (shekalim): apartment (3015), electricity/water (425), Communication/television (400), school/chugim (2100), car/gas (2000), insurance (250), medical (200), food/household (1700), culture/leisure (250), vacation (0)- divided into 12 months, miscellaneous (120)- pets, haircuts, fines, clothing, shoes,presents, loans (2200), savings (450).  TOTAL: 13,110 shekels

If you are interested in participating, send an email to tzarchanut@israelhayom.co.il

Source: Yisrael HaYom, 22/11/2013, Tzarchanut supplement p13.

 

Home Economics: The Dvash Family

As a new oleh, one of the most important questions we ask is “How much money do we need to survive?”  The follow-up question after receiving our first paycheck is “How do Israelis survive on this?”

The answer is that many of them don’t.  That is, until the organization Paamonim stepped in. I wrote about them in previous posts (also here): instead of donating money to a family, they teach them how to live within their budget.  Mekor Rishon had previously posted examples of family budgets and the tips the family received to save money.  Yisrael HaYom has now started posting fmily descriptions, but without the tips.  I am translating them in the hopes that you can see how the other side lives.

The Dvash Family, Or Yitzhak 

Meital (38); 3 children- Idan (10), Shaked (7) and Yarden (5)

They live in a 5 room apartment (4 bedrooms) on the yishuv kehilati Or Yitzhak.  Meital has two degrees from the US in mental health and criminology.   She works as a rehab trainer in a hostel for people with psychological disturbances.  They own a Hyundai Accent Family, 2005 model.

Chugim: Idan- soccer, Shaked- basketball and Yarden- gymnastics.

Meital’s hobbies: being a full time single mom.

Their last vacation: 3 days at the Kineret in tents.

Budgeting: much better since she started working with Paamonim.   She used to take out loans of 2000-3000 shekels at a time.

Monthly expenses (shekalim): apartment (5420), electricity/water (530), Communication/television (686), school/chugim (2150), car/gas (660), insurance (0), medical (80), food/household (1200), culture/leisure (500), vacation (200)- divided into 12 months, miscellaneous (600)- pets, haircuts, fines, clothing, shoes,presents, loans (2000), savings (0).  TOTAL: 14,026 shekels

Source: Yisrael HaYom, 22/11/2013, Tzarchanut supplement p12.

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