Extension
It Starts With Us
Financial Education
Securing Financial Stability
Davidson, Easley, Williams
Financial Education - General
FCS Employment Skills
Business Retention and Expansion
Farm Management, Economics and Policy
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: Increased Awareness of sound financial behaviors
Indicator: number of individuals who implemented at least one strategy to reduce expenses or manage money.
Method: evaluation
Timeline: following financial management workshops
Intermediate Outcome: Increase knowledge and skills related to managing financial resources
Indicator: number of individuals reporting increased levels of understanding in the area: confidence in handling money issues or specific financial matters
Method: evaluation
Timeline: following financial management workshops
Long-term Outcome: Increase knowledge and skills related to estate planning
Indicator: Number of individuals who took action toward implementing at least one estate planning strategy in regard to the subject matter presented
Method: evaluation
Timeline: following financial management workshops
Audience: KY Saves
Project or Activity: social media marketing campaign
Content or Curriculum: FCS curriculum and KY Saves
Inputs: FCS Agent
Date: February
Audience: Seniors
Project or Activity: Senior Vouchers Farmers Market Program
Content or Curriculum: NEP
Inputs: FCS and Horticulture Agent, EFNEP, KY Dept of AG
Date: Summer
Audience: General Public
Project or Activity: Small Steps to Health and Wealth
Content or Curriculum: SSHW
Inputs: FCS Agent and State specialists
Date: January - June
Audience: General Public
Project or Activity: Money Habitudes
Content or Curriculum: Money Habitudes
Inputs: FCS Agent
Date: Fall
Audience: Farmers
Activity: Farm Record book Workshop
Content or curriculum: UK publications
Inputs: Extension Agent and staff, farm record books and CD's, Volunteers, CPA,
Extension Office
Date: Winter
Audience: Adults
Activity: Integrated Pest Management
Content or curriculum: UK Publications
Inputs: Extension Agents and staff, extension Office, Volunteers
Date: Spring
Audience: Farmers
Activity: Private Pesticide Applicator Training
Content or curriculum: UK publications; Kentucky Department of Agriculture
Inputs: Extension Agents and staff, extension office,
Date: ongoing
Audience: Youth
Activity: Dollars and Sense
Content or Curriculum: 4-H Dollars and Sense curriculum
Inputs: Extension agents, staff, volunteers, materials, family resource and youth service centers
Date: Fall and Spring
Audience: Youth
Activity: Reality Store
Content or Curriculum: 4-H It's Your Reality
Inputs: Extension agents, staff, volunteers, materials, family resource and youth service centers
Date: Spring
Audience: 4-H Youth
Project or Activity: 4-H School Programs
Content or Curriculum: 4-H curriculum
Inputs: 4-H agents, 4-H assistants, volunteers, local schools
Date: September-May
Author: Victor Williams
Major Program: Farm Management, Economics and Policy
According to the 2022 Census of Agriculture, the number of farms in Laurel County is rapidly decreasing. Between the 2012 and 2017 Census reports, there was a 5% decrease. The most recent data shows an additional decrease of 9%. Approximately 98% of the operations are family farms; however, many farm owners are unaware of the proper planning needed to protect the farm as it is passed down through generations.Even farm owners who have prepared a Last Will and Testament may not be awar
Author: Elizabeth Easley
Major Program: Family and Consumer Science
The problem:According to the 2024 Most and Least Financially Literate States report, Kentucky ranks 48th in the nation for financial literacy. Kentucky’s youth lack the fundamental knowledge and skills to manage their finances and make wise financial decisions. Research has shown that financial habits and attitudes begin early in youth. A University of Michigan study found that children as young as five already had distinct emotional reactions to spending and saving money. These emotional
