Boyle County CES

Title:

Home Resource, Financial Business, and Farm Management Education

MAP:

Resource Management for Individuals, Families and Farms

Agents Involved:

A. Price, K. Ragland, J. Little, A. Amorese

MAJOR PROGRAM 1:

Good Credit Game

MAJOR PROGRAM 2:

Securing Financial Stability (general)

MAJOR PROGRAM 3:

Family and Consumer Sciences 4-H Core Curriculum

Situation:

*Outstanding household debt continues to increase, as do bankruptcy fillings and home foreclosures.
*Debt is the most stressful condition consumers encounter.
*Shifts in structure of retirement plans have shifted burden to consumers.
*High costs of health and other insurance continues to rise.
*With seniors as the fastest growing population in the U.S., they bring issues of retirement, managing all resources, living within budgets as well as increased leisure time.
*Managing total resources wisely affects all in income levels as well as all age levels.
*Reduction of family income has resulted from loss of tobacco as a crop and of loss of jobs in local industries.
*Youth have brighter financial futures when they choose to advance their educations.
*Focus on core content in schools leaves little time for financial and personal resource management education for youth K-12 in schools.

Long-Term Outcomes:

Individuals and families will improve economic well being. Youth will establish good financial management habits early.

Intermediate Outcomes:

*Clientele will plan for their families' future financial well-being.
*Clientele will increase savings and reduce debt.
*Youth and adults will improve their financial situation, life skills and awareness, and make positive changes in their life styles.
*Youth will focus on career and educational choices that can insure future financial well-being.
*Youth will save money, avoid credit card debt, and establish their businesses.

Initial Outcomes:

*Clientele will increase their financial skills and knowledge as a result of attending program.
*Clientele will develop greater knowledge, good consumer skills, learn the value of planning and goal setting.
*Individuals will demonstrate learning the financial planning process of saving, goal setting, preparing asset and liability statements, tracking expenses and understanding investments.
*Youth will learn more about the American Economic System, prepare themselves for the work force, and learn about the personal financial decisions adults encounter.
*Youth will learn the benefits of savings and the pitfalls of credit card debt.
*Youth will learn about entrepreneurism and experience establishing their own businesses in a marketplace.

Evaluation:

Initial Outcome: Individuals will better manage resources to achieve better quality of life.
Indicator: The number of program participants who make positive changes and youth who indicate changes in knowledge, opinions, and expectations about careers and finances.
Method: Testimonials, record attendance, written and verbal surveys.
Pre- and Post-tests.
Timeline: Throughout the year as programs are conducted.

Intermediate Outcome: Individuals will learn various methods to better manage resources.
Indicator: Knowledge and experiences will improve in life skills
Method: Demonstration, written and verbal evaluation, testimonials
Timeline: Program year

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Learning Opportunities:

Audience:Adults and youth who participate in special interest programs.
Select Elementary, middle school, and high school youth.

Project or Activity: *24 hours in a day (time management).
*Simple ways to organize you home.
*Reality Stores and Reality World.
*Dollars and Sense.
*Home interior classes: quilting, holiday seminar, hand-made
items to sell for profit.
*Holiday Seminar
*American Private Enterprise System.
*High School Financial Planning.
*4-H Projects.
*Kentucky Saves Piggybank Design.
*4-H Means Business.
*4-H Babysitting Academy
*Life skills lessons in classroom 4-H clubs.
*Community Development.
*Agri-tourism.
*Couponing 101
*Food Preservation/Canning
*Freezer Meal Planning
*Cleaning with inexpensive natural agents
*Financial management
*Home Gardening/Homesteading
*Alternative gardening strategies
*24 hours in a day (time management)
*4H Means business
*High School financial planning
*"Money Habitudes" (with adults and middle/high school)
*"Where Does Your Money Go?"

Content or Curriculum: Reality Store, Dollars and Sense, National High School Financial Management, 4-H Means Business, APES curriculum, 4-H Babysitting curriculum debt and money management publications and curriculums from U.K. and other state's publications, estate and retirement publication series. Farmers tax information. FDIC, Clean it Quick Get it Done,

Inputs: Several programs will involve community collaborators specifically family resource centers and schools and rely heavily on volunteers.
Local professional speakers will assist agents with some of the teaching.
Funding will, in part come from a small registration fee from adult participants.
Dollars and Sense, Reality World, and Reality Stores offered in partnership with FRYSC coordinators in Danville and Boyle County Systems
for youth in Danville, Boyle County, Kentucky School for the Deaf and Danville Christian Academy Systems.
APES program conducted in cooperation with Chamber of Commerce every other year.
Date: : Spring and Fall for adults.
Throughout the year for youth.




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