Owsley County CES

Title:

Family Resource Management & Healthy Homes

MAP:

Securing Financial Stability

Agents Involved:

Crystal Osborne, Paul Sizemore, Jacob Brandenburg

MAJOR PROGRAM 1:

Securing Financial Stability (general)

MAJOR PROGRAM 2:

Money Habitudes

MAJOR PROGRAM 3:

4-H Communications and Expressive Arts Core Curriculum

MAJOR PROGRAM 4:

Promoting Healthy Homes and Communities (general)

Situation:

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.

Long-Term Outcomes:

* 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.

Intermediate Outcomes:

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.

Initial Outcomes:

* 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.

Evaluation:

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.

Learning Opportunities:

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 2019

Project or Activity: Money Management

Content or Curriculum: CES MITT Resources & Publications,and FDIC Money Smart Curriculum

Timeline: FY 2019-2020

Project or Activity: Money Habitudes

Content or Curriculum: CES Resources & Publications

Timeline: FY 2019-2020

Project or Activity: Credit Score Millionaire

Content or Curriculum: CES Resources & Publications

Timeline: FY: 2019-2020

Project or Activity: Dollars & Sense

Curriculum: It's Your Reality Curriculum

Timeline: Spring 2020

Project or Activity: Lunch-n-Learn

Curriculum: Managing in Tough Times, CES Resources, etc.

Timeline: FY 2019-2020

Project or Activity: Identity Theft

Curriculum: CES Resources, FDIC's Money Smart resources, etc.

Timeline: FY 2019-2020

Project or Activity:  Adulting Program

Curriculum:  CES Resources

Timeline - FY 2019 - 2020

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

Success Stories