Extension
It Starts With Us
Financial Stability
Securing Financial Stability
Lora Lee Frazier Howard, Alissa Sebastian, Jeff Casada
Small Steps to Health & Wealth
Money Habitudes
Real Skills for Everyday Life
4-H Youth Development Programming
Clay County families and youth have been hit hard by the current economy. Families need to understand and respond to changing economic conditions, while promoting healthy financial behaviors during all stages of the lifespan.
Financial stability is important to the overall well-being of families. Families and youth need to secure the basic needs of food and clothing. They need to make wise consumer decisions avoid over-extended credit, develop saving habits, and learn to better plan for their futures. 37% of Clay Countians are in the labor force. 35% of our families are below poverty level, 25.7% of our county are high school graduates, 31% have a college degree or above 33% work part time or full time, $23,445 is the median household income
-Apply smart financial behaviors related to budgeting, credit savings and investments resulting in improved quality of life and stronger family life.
-Number of families reporting improved economic and financial wellbeing due to maximizing resources to increase finances.
-Number of post-secondary education students increase
-Families adopt short, mid or long term financial planning strategies, practice resource management behaviors resulting in increased saving and investments.
-Youth adopt short, mid, and long term financial planning strategies
-Families will increase knowledge and skill related to managing financial
resources.
-Families will increase financial literacy related to savings and identify goals related to maintaining and improving financial stability.
-Youth will realize financial stability correlates with preparing for an employable future.
- Youth will demonstrate an understanding of the difference in needs and wants; spending, saving and investing
Long term Outcome: Families report improved economic wellbeing and financial stability.
Indicator: Number of families adopting one or more practices to reduce debt or increase saving.
Method: Word of Mouth, Formal and Informal Evaluation
Timeline: 2016-2020
Intermediate Outcome: Families practice resource management behaviors resulting in increased saving and investment.
Indicator: number of families that implement at least one financial management strategy.
Method: Word of mouth, formal and informal evaluation
Timeline: 2016-2020
Initial Outcome: Clients will increase knowledge and skills related to managing financial resources.
Indicator: Number of families reporting changes in knowledge, opinions, skills or aspirations related to money management.
Method: Word of mouth, formal and informal evaluation
Timeline: 2016-2020
Initial Outcome: Understanding of difference in needs and wants, spending, saving, and investing
Indicator: Change in Survey Results
Method: Pre and Post Survey
Timeline: 2016-2020
Audience: Families
Project or Activity: Healthy Walking - Healthy Life
Content or Curriculum: Small Steps to Health & Wealth by email, Walking Program
Inputs: Family & Consumer Science Agent
Date: 2018
Audience: Adults & Children
Project or Activity: Right On the Money
Content or Curriculum: Right On the Money Curriculum
Inputs: Headstart, schools, Family & Consumer Science Agent
Date: 2017 - 2018
Audience: Youth
Activity: Reality Store & Dollars and Sense
Content or Curriculum: 4-H Curriculum
Inputs: Curriculum, Agents, Teachers, Community Members, School System, Facilities
Date: 2017-2018
Audience: Families
Project or Activity Small Steps to Health and Wealth
Content or Curriculum Small Steps to Health and WealthInputs: leaflets, agent, Facebook
Date: all year
Audience: Adults
Project or Activity: Woman and Finance
Content or Curriculum: Leaflets
Inputs: Family and Consumer Science Agent/AARP
Date: 2017-2018
Author: Jeffrey Casada
Major Program: Farm Management
A local cattleman identified the need for more training in financial planning and budgeting. As a result, ANR Agents from Jackson, Laurel and Clay Counties collaboratively planned, resourced and executed a three part series on legacy and asset management in the first quarter of 2018. The three programs were Planning for the Next Generation of Landowners, Can I Afford This, and Minimizing Tax Burden/Maximizing Tax Benefits. The Agents leveraged local experts to speak to clients on the
Author: Alissa Ackerman
Major Program: Family and Consumer Sciences 4-H Core Curriculum
In today’s society, many children are exposed to social media, TV shows, movies and books from a young age. When individuals compare their wants and needs to what others might have, it can be difficult for youth and adults to acknowledge reality. According to the United States Census Bureau, 39.7 percent of Clay County residents live below the poverty level, compared to the national level of 15.5 percent. Clay County’s median household income has fallen below national average of $21,
