Building Strong Financial BehaviorsPlan of Work

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Henderson County CES

Title:
Building Strong Financial Behaviors
MAP:
Consumer and Financial Education
Agents Involved:
Druin, Hardy, Johnson, Lambert, Rideout
MAJOR PROGRAM 1:
Family and Consumer Sciences 4-H Core Curriculum
MAJOR PROGRAM 2:
Real Skills for Everyday Life
MAJOR PROGRAM 3:
Estate Planning
MAJOR PROGRAM 4:
Good Credit Game
Situation:
Henderson County's population is 46,513 as of 2012 and the median income is $41,244. In 2012 unemployment in Henderson County was 7.4% and in Kentucky it is 8.2%. The percent of poverty in Henderson County is 16.7%, while the percent living in poverty under the age of 18 is 24.4%. How we live is ever-changing but learning basic life skills is still as important as ever. Learning to create and live within a budget is basic to everyday life. Reality is that today's youth and adults are busier than ever. These basic life skills are not consistently taught to youth at home or at school.
Long-Term Outcomes:
Gain and maintain employment through life skill development.
Intermediate Outcomes:
Demonstrate practical living skills related to economical enterprise development.
Initial Outcomes:
Increase financial literacy related to practical living skills.
Evaluation:

Initial Outcome: Participants will increase there knowledge on practical living skills.

Indicator: How much they already know about subject.

Method: pre test

Timeline: July 2017-June 2018


Intermediate Outcome: Participants will demonstrate there knowledge on practical living skills.

Indicator: What they know.

Method: Interview

Timeline: July 2017-June 2018


Long-term Outcome: Participants will gain knowledge to interview and keep job

Indicator: maintain job

Method: Post test

Timeline: July 2017-July 2018


Initial Outcome: Participants will increase there knowledge on financial education as it relates to practical living skills.

Indicator: How much they know before the program

Method: Pre-Test

Timeline: July 2017-June 2018


Intermediate Outcome: Participants will demonstrate there knowledge on financial and practical living skills.

Indicator: What they know.

Method: Interview

Timeline: July 2017-June 2018


Long-term Outcome: Participants will gain knowledge to create a budget and use financial skills.

Indicator: Demonstrate skills

Method: Post test

Timeline: July 2017-July 2018


Initial Outcome: Participants will increase there knowledge on financial education as it relates to Home maintenance/budgeting

Indicator: How much they know before the program

Method: Pre-training interview

Timeline: Twice annually as needed for new Habitat homes.


Intermediate Outcome: Participants will demonstrate there knowledge on financial and practical living skills.

Indicator: What they know.

Method: Interview

Timeline: spring


Long-term Outcome: Participants will gain knowledge to plan for long term home maintenance and use financial skills.

Indicator: Demonstrate skills

Method: Habitat annual follow up data

Timeline: annually

Learning Opportunities:

Audience: Middle School Youth

Project or Activity: It's Your Reality

Content or Curriculum: Consumer and Financial Education

Inputs:

Date: Spring 2018


Audience: Elementary Youth

Project or Activity: Dollars and Sense

Content or Curriculum: Consumer and Financial Education

Inputs:

Date: Spring 2018


Audience:Henderson County Residence

Project or Activity:Life Skills

Content or Curriculum:Real Skills for Everyday Living, Moneywise

Inputs: Extension Staff

Date: June 2017-July 2018


Audience:Henderson County Residence

Project or Activity:Estate Planning

Content or Curriculum:Estate Planning Publications

Inputs: Extension Agents, Specialist, Lawyer, CPA

Date: Winter 2017

Audience:Henderson County Residence


Project or Activity:Habitat new Home Owner Training

Content or Curriculum:UK publications/Agent developed

Inputs: Extension Agent

Date: Twice per year as needed



Success Stories

Estate Planning

Author: Amanda Hardy

Major Program: Estate Planning

Regardless of net worth, estate planning is important to protect, and help ensure, your personal and financial goals are realized after death. Unfortunately many people fail to properly plan for transfer of their possessions and property at the time of death.  A properly executed estate plan can reduce family stress, reduce federal and state tax obligations, and allow the estate to be settled in an expedient fashion saving both time and money. Many individuals perceive e

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