HOUSEHOLD AND PERSONAL EXPENSES, 1999                     
                  North Dakota Farm Business Management Education Program            
                                       State Report                                  
                             (Farms sorted by Net Farm Income)                       
                                                 Average Of   Average Of   Average Of
                                                  All Farms     Low 20%     High 20% 
     Number of Sole Proprietors                        320           54           65
     Average family size                               3.6          3.1          3.9
     FAMILY LIVING EXPENSES
       Food and meals expense                         5629         4637         6346
       Medical care and health insurance              5589         4248         7128
       Cash donations                                  707          386          954
       Household supplies                             4027         2941         5280
       Clothing                                       1971         1462         2628
       Personal care                                  3085         1666         5338
       Child / Dependent care                          439          318          507
       Gifts                                          1223         1159         1440
       Education                                       799          568          892
       Recreation                                     2088         1270         2743
       Utilities (household share)                    1645         1341         2008
       Nonfarm vehicle operating expense              1660         1649         1452
       Household real estate taxes                      52           32           78
       Dwelling rent                                   137           78           71
       Household repairs                              1129         1135         1281
       Nonfarm interest                                599          549          569
       Life insurance payments                        1349         1256         1737
     Total cash family living expense                32129        24695        40450
       Family living from the farm                     205          164          117
     Total family living                             32334        24859        40567
     OTHER NONFARM EXPENDITURES
       Income taxes                                   3818         1629         7205
       Furnishing & appliance purchases                339          414          455
       Nonfarm vehicle purchases                      2422         2119         2992
       Nonfarm real estate purchases                  1210        -1479         2168
       Other nonfarm capital purchases                 489          119          896
       Nonfarm savings & investments                  2592         1284         4656
     Total other nonfarm expenditures                10871         4086        18372
     Total cash family living,
     investment & nonfarm capital purch              43000        28781        58822