Extension
It Starts With Us
Family Resource Management & Healthy Homes
Securing Financial Stability
Crystal Osborne, & Paul Sizemore
Securing Financial Stability (general)
Managing in Tough Times
Family and Consumer Sciences 4-H Core Curriculum
Promoting Healthy Homes and Communities (general)
The consequences of the Great Recession and the extended period of slow economic growth which followed, encouraged Kentuckians to become more aware of their financial situation. Kentucky consistently lags behind other area of the United States in key household economic indicators, including: personal income, population living below the poverty line, unemployment numbers became more exaggerated during the period of the Great Recession. According to the 2010 Census,Owsley County's population is 4,755 with 585 children living in poverty and 44.3% of seniors age 65 & over also living in poverty. In 2011,2,473 individuals received SNAP benefits.
The elementary and middle/high schools are located in Booneville. The Owsley County Headstart Program has 90 children enrolled for 2016-2017. The Owsley County Early Headstart has an enrollment of 24 for 2016-2017. The Owsley County Home Based Head Start has an enrollment of 24 as well for 2016-2017. The public elementary school consists of Kindergarten-sixth grade with enrollment for 2016-2017 totaling 493 students. The public high school consists of grades 7-12 with enrollment for 2016-2017 totaling 352 students. One hundred percent of the public elementary school students receive free lunch and 93.62% of the middle/high school students receive free lunch. The county has one private Christian school which consists of 20 students K-12.
Healthy couple and parenting relationships and resulting family stability benefit the well-being of adults and children. Co-habiting, divorced, widowed and single households are the new majority with many grandparents raising grandchildren. Children who live absent from their biological fathers are two to three times more likely to be poor, to experience educational, health, emotional and behavioral problems than their peers who live with their married, biological (or adoptive) parents. In 2013, 25 percent of Kentucky children lived in poverty, ranking Kentucky 40th in the nation. Children who live in poverty are more likely to have learning disabilities and developmental delays. Furthermore, children who start kindergarten with delayed development and fewer assets are by far more likely to repeat grades, get tracked into lower tier classes and drop out of high school than more advantaged children. More than half of Kentucky's 56th judicial circuits have some form of mandated divorce education. Kentucky consistently lags behind other areas of the United States in household income indicators, including personal income, population living below the poverty line, unemployment and revolving debt loads.
In 2008, Kentucky ranked 18th in total energy consumption per capita. In 2010, the statewide household participation rate for all curbside garbage collection types was 86.6%. In 2010, Kentuckians recycled 35.7% of all municipal solid waste and 29% of common household recyclables. The average Kentuckian used 67 gallons of water per person per day.
* Number of individuals reporting improved family financial stability and economic well-being.
* Maximize or extend resources to maintain or increase financial.
* Number of individuals who avoided breaches in personal or financial security.
* Improve the quality of life for Kentuckians resulting in stronger families.
*Create safe homes within environments that promote and support the physical and mental well-being of families throughout the life cycle.
*Improve the built and natural environment to increase active and healthy lifestyles.
*Participate in an activity or event that improves the built or natural environment.
Number of people who
* Adopt one or more short, mid and long term financial planning strategies.
* Demonstrate practical living skills related to economic or enterprise development, as well as seeking to ascertain advance education credentials.
* Practice one or more resource management behaviors resulting in increased savings or investments.
*Examine personal & financial stability on a regular basis (at least annually).
*Demonstrate skills to improve: Home Safety, Built Environment, and Energy and Water Conservation.
* Teenagers and adults will show increased knowledge and skills related to managing available financial and non-financial resources.
* Participants will increase understanding of their consumer rights and privacy protection measures.
*Teens and young adults will simulate life situations to recognize importance of education and employability skills.
*Participants will identify short, medium and long term personal goals and objectives related to maintaining and improving their financial stability.
*Identify one or more practices that will improve: Going Green, Home Safety, Built Environment, Energy and/or water conservation.
Long-Term Outcome: Owsley County participants will improve their family financial stability and economic well-being.
Indicator: The number of participants that demonstrate a positive change regarding their financial health.
Method: Pre and post tests, personal testimonies, observations & surveys
Timeline: On-going, Follow-up evaluations conducted after a 6 month period and beyond the program.
Intermediate Outcome: Owsley County participants will adopt short, mid and long term financial planning strategies.
Indicator: The number of program participants that report a change in their financial behaviors.
Method: Surveys, observations, follow-up evaluations 3 months after programs
Timeline: Fiscal Year 2018-2019
Initial Outcome: Owsley County participants will gain knowledge and increase their skills related to money management.
Indicator: Total number of program participants reached through different learning opportunities that gain knowledge about effective money management.
Method: Pre & Post Evaluations
Timeline: Before & after programs & events.
Audience: Youth, preschool through grade 12,Low Income/Low Literacy adults,College Students,General Public,Young adults, Organizations, Community partners,Businesses, Parents, grandparents, Headstart parents & staff, & community members.
Project or Activity: 4-H Reality Store
Content or Curriculum: CES Curriculum & Publications
Timeline: Fall 2018
Project or Activity: Money Management
Content or Curriculum: CES MITT Resources & Publications,and FDIC Money Smart Curriculum
Timeline: FY 2018-2019
Project or Activity: Money Habitudes
Content or Curriculum: CES Resources & Publications
Timeline: FY 2017-2018
Project or Activity: Credit Score Millionaire
Content or Curriculum: CES Resources & Publications
Timeline: FY: 2018-2019
Project or Activity: Dollars & Sense
Curriculum: It's Your Reality Curriculum
Timeline: Spring 2019
Project or Activity: Lunch-n-Learn
Curriculum: Managing in Tough Times, CES Resources, etc.
Timeline: FY 2018-2019
Project or Activity: Identity Theft
Curriculum: CES Resources, FDIC's Money Smart resources, etc.
Timeline: FY 2018-2019
Inputs:• Kentucky Cooperative Extension Service (CES) agents, program assistants, specialists and volunteers
• Kentucky CES publications and resources
• National online, research-based resources: eXtension resources
• Extension resources from other states
• Kentucky Extension Homemaker Association (KEHA)
• National online, research-based resources: CYFERnet
• Kentucky Extension Homemakers Association (KEHA)
• Kentucky CES publications and resources including:
- Managing in Tough Times (MITT )Initiative
- MoneyWi$e website
- Ky. High School Financial Planning Program (KHSFPP) website
- Community and Economic Development in Kentucky (CEDIK) Initiative
• eXtension resources
• Family Development & Management (FDM)
• Local, state and federal resources
- KY Attorney General’s Office
- KY Housing Authority
- Security and Exchange Commission (SEC)
- Federal Deposit Insurance Corporation (FDIC)
- U.S. Census Bureau
- Federal Trade Commission (FTC)
- National Endowment for Financial Management
- National Consumer League
• Extension Disaster Education Network (EDEN)
• Jump Start Coalition
• Non-profit organizations (e.g. AARP, United Way, faith-based organizations
Author: Crystal Osborne
Major Program: Promoting Healthy Homes and Communities (general)
With the ever-changing world of laundry detergents, machine choices, stain removal products and general laundry care and safe laundry practices to consider, the need to educate consumers to make the safest, most efficient choice is needed. Every 45 minutes, a poison control center in the U.S. receives a call about a child who has been exposed to laundry detergent chemicals. (Center for Injury Research and Policy at National Children’s Hospital) The Lee and Owsley County Family &a
Author: Crystal Osborne
Major Program: Securing Financial Stability (general)
According to 2017 US Census Data – QuickFacts, the median household income in Owsley County is $22,736.00 and 36.8% of the population of Owsley County is living in poverty.Because the holidays are both a joyous and financially stressful time for Owsley County citizens, especially those living at or below the poverty line, it is very important that such audiences have access to educational information to help them financially manage during the holiday season.To assist individuals in underst
Author: Crystal Osborne
Major Program: Master Clothing Volunteer
In today’s technologically advanced society, basic life skills such as sewing has become a lost art. “Sewing is a discipline that helps develop self-esteem, confidence, focus, patience, fine motor skills, problem solving, process thinking and visualization. Additionally, sewing encourages creative ability (The Creative Art of Sewing; www.NorthJersey.com; September 13, 2012).” The Owsley County Cooperative Extension Service, through the dedication of an Extensi
Author: Jacob Brandenburg
Major Program: Family and Consumer Sciences 4-H Core Curriculum
4-H Reality Store 2019…Huge SuccessOn Friday, March 15th, the Owsley County Cooperative Extension Service in cooperation with the Owsley County High School, Owsley Drug Awareness Council, Youth Service Center and Farmers State Bank held their seventeenth (17th) annual 4-H Reality Store. The event was held to give students a glimpse of their future in a fun and exciting way; to help youth become aware of their need for basic skills in financial planning, goal setting, decision making and c
