Enhance Life Skills and Build Consumer Awareness
Improving Lifestyle Decisions
Conkwright, Ammerman, Veach
Financial Education - General
Communications and Expressive Arts
Apparel and Textiles (Non-Master Clothing Volunteer)
Promote positive personal finance behaviors prepares Kentuckians for any future economic shift. The United States has been in an extremely long period of economic expansion; however, expansions are cyclical, meaning growth is eventually followed by recession. Securing financial stability for Kentuckians will help families thrive no matter the economic outlook. Financial stability is achieved when families are able to secure and manage resources needed to supply food, clothing, and shelter. Through increased financial knowledge, families may be able to make wise financial decisions, increase buying power, avoid overextended credit, develop savings habits, and manage risks.
- Better family money management skills, such as reducing debt, increasing savings, and financial planning.
- More effective employees and community leaders.
- Improved financial capability for Kentuckians, results in better quality of life and stronger families.
- Practice one or more resource management behaviors resulting in increased savings or investments.
- Adopt financial planning strategies for short-, mid-, and long-term goals.
- Increased knowledge and skills related to managing financial resources, including savings, credit, and financial planning.
- Change knowledge, opinions, skills, and aspirations, to improve employability through work and practical living skills and continuing education practices.
- Increase financial literacy (knowledge and skills) related to savings and investments.
Initial Outcome: Knowledge Gained
Indicator: Participants are able to show increased knowledge and skills related to managing available resources
Method: Written or Oral Evaluation, Pre and Post Test
Timeline: Immediate
Intermediate Outcome: Behavior Change
Indicator: Apply one or more resource management behaviors resulting in increased savings or investments
Method: Oral and Written Evaluations, Pre and Post Tests.
Timeline: 1-3 Years
Long-term Outcome: Changes in the Financial Well-being of Grant County residents
Indicator: Higher financial stability, lower rates of student debt, increase in economic well-being
Method: Noticeable changes in census data, Number of individuals reporting improved family financial stability and economic well-being, and policy changes that promote financial stability.
Timeline: 10 years
Audience: Adults
Project or Activity: Farm Succession Planning
Content or Curriculum: UK/OSU Farm Transitions Program
Inputs: Agents, specialists, attorney
Date: Dec 2022
Audience: Adults
Project or Activity: Small Steps to Health and Wealth
Content or Curriculum: Small Steps to Health and Wealth
Inputs: Agent, Curriculum
Date: Jan 2023
Audience: Adults
Project or Activity: Estate Planning
Content or Curriculum: Estate Planning, Planning your digital estate
Inputs: Agents, Curriculum, Specialists
Date: Fall 2022
Audience: Adults
Project or Activity: Where does your money go?
Content or Curriculum: Managing in tough times
Inputs: Agent, Curriculum
Date: Summer 2023
Audience: 7th & 8th Grade Students
Project or Activity: Reality Store
Content or Curriculum: It’s your Reality
Inputs: Agents, Volunteers, Community Partners
Date: October 2022
Audience: 4th & 5th grade students
Project or Activity: Dollars and Sense
Content or Curriculum: It’s your Reality
Inputs: Agents, Volunteers, Community Partners
Date: March 2023
Audience: Adults
Project or Activity: Credit Education
Content or Curriculum: Good Credit Game
Inputs: Agent, curriculum publications and resources, Good Credit Game set
Date: Fall 2022
Author: Chris Ammerman
Major Program: Financial Education - General
The industry of separating hard earned income from a naïve population moves 5.8 billion dollars annually. Anyone with a telephone number receives a constant daily barrage of attempts to gain access to personal information, to hold electronic devices for ransom, or to deceive individuals into embarrassing situations and extorting money from them. The Grant County Chamber of Commerce, Forcht Bank, Federal Bureau of Investigations, Family and Consumer Science (FCS) agent, Asa Conkw