PENNSYLVANIA — A new report highlights the growing financial strain on Pennsylvania families, revealing that many are cutting back on dining out as everyday expenses outpace wages.
According to a survey of 3,002 households conducted by Advance America, Pennsylvanians must work an average of 19 days each month just to cover basic living costs — including housing, food, utilities, and transportation. The findings underscore what many residents already feel: household budgets are being stretched to the breaking point.
Nationally, the data shows wide variation in financial pressure. Families in Alabama spend the most time working to meet monthly bills, averaging 26 days, while Colorado households require only 10 days.
When asked what they would eliminate first to save $1,000, nearly half of Pennsylvania respondents (47%) said restaurant dining and takeout. Entertainment subscriptions followed at 26%, with only 8% citing grocery spending as flexible and 4% willing to trim utilities.
The survey also found that 56% of families identified groceries as their fastest-rising expense, far outpacing utilities (17%) and housing (15%). Respondents said these core necessities — not luxuries — now account for the bulk of household stress.
Generational comparisons revealed deep pessimism: 44% said $1,000 today buys far less than it did for their parents at the same age.
When asked how they’d handle an unexpected $1,000 expense, 51% said they’d rely on savings, while others would turn to credit (17%), family loans (19%), or extra work (13%).
“These results show just how differently families experience the cost of living,” said Laura McCutcheon, Vice President of Marketing at Advance America. “In some states, it takes nearly half the month’s work just to cover the bills, while in others it’s under a week. But everywhere, essentials like groceries and energy are the biggest strain.”
The report paints a stark picture of economic fragility across the country — one where even small financial shocks could tip families into hardship.
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