WHERE THE BUCK GOES Break-up of Indian middle class expenditure. (expressed in %) Food & grocery Toys & gifts 3% Apparel Education 2.8% 24.5% Loan repayment 2.3% 8.9% Cable & Internet Entertainment 2.2% Household help 8.3% Mobile phones 7.7% Fuel & transportation 2.2% Home care 1.5% Rent & utilities 1.3% 4.3% Jewellery Stationery 1.3% 4.3% Vacations 4.2% Furnishing Personal care 0.7% Communication 3.7% 0.6% Others Health care 3.2% Footwear 3.1% 10% CLSA did the survey in late 2007, as part of their Mr & Mrs Asia series surveying 1,616 households across 16 state capitals. Source: CLSA Asia-Pacific Markets