26 
BULLETIN 1466, U. S. DEPARTMENT OF AGRICULTURE 
The average expenditures for the remaining kinds of advance- 
ment goods, much less significant than those discussed, may be studied 
as desired from Table 5. With all advancement goods, expenditures 
may carry little indication of the social or the spiritual satisfactions 
which these expenditures make available to the family. 
PERSONAL GOODS 
The average value of goods for personal uses amounting to $41 per 
family is 2.6 per cent of the value of all family living. Considerable 
variation in expenditures for this purpose, for the three sections is 
apparent. There were 134 families which reported no expenditures 
for personal goods. Of these, 28 were in the New England States, 
32 in the Southern States and 74 in the North Central States. The 
expenditures for the several kinds of personal goods are shown by 
sections in Table 6. 
Table 6. — Average value per family of the different kinds of personal goods 
used during one year, 2,886 farm families of selected localities in 11 States, 
1922-1924, owners, tenants, and hired men 
All 
States, 
2,886 
families 
New- 
England 
States, 
317 
families 
Southern 
States, 
1,130 
families 
North 
Central 
States, 
1,439 
families 
Personal goods .__ . ... 
$41. 00 
$50. 90 
$37. 40 
$41.80 
Gifts . 
14.50 
1.20 
9.40 
4.30 
11.60 
19.70 
3.30 
9.20 
5.40 
13.30 
9.40 
1.30 
8.00 
4.10 
14.60 
17.30 
.80 
10.70 
4.30 
Tobacco, pipes, etc .... . ... . . ... 
8.70 
INSURANCE, LIFE, AND HEALTH 
The average expenditure for premiums on life and health insur- 
ance, life insurance primarily, $40.80 per family, is slightly less than 
the average expenditure for personal goods. Money spent for insur- 
ance is highest in the North Central States. Approximately 55 per 
cent of all families reported no expenditure for insurance. Of the 
1,305 families reporting expenditures for this purpose 145 were New 
England families, 465 were southern families, and 695 were north 
central families. 
UNCLASSIFIED 
Only a small percentage of the schedules carried expenditures for 
goods not readily classified. The average amount of money spent 
per family for unclassified goods amounted to only $2.70 per family, 
or 0.2 per cent of the value, of all goods used. 
GBAPHIC COMPARISONS 
Further comparisons of the principal groups of goods, food, cloth- 
ing, rent, and all others may be made from the graphic presentation 
of data in Figure 5. 
DISTRIBUTION OF THE AVERAGE VALUES OF GOODS BY TOTAL VALUE GROUPS 
The distribution of the average values of goods for ten $300 total 
value or income groups is shown in Table 7. These total value 
groups range from less than $600 to $3,000 and over, and the averages 
