This guide is a reference on adequate standards of living for specific categories of family expenditures, primarily intended for use in counselling families or individuals on money management. The guide can also be used as a reference for authorities and organizations that provide financial assistance. The guide presents living costs in the form of budgets (prices effective for June 1991) covering family food requirements, shelter costs, clothing, home upkeep, health care, personal care, transportation, and certain discretionary expenditures such as education and recreation. The guide also contains notes about special circumstances, achieving economies, and the use of credit; a directory of social services in the Toronto area; sample budgets for various households; and a summary discussion of the costs associated with raising children.