2021 Financial Education, Developing Human Capital, Real Skills for Everyday LifePlan of Work

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Kenton County CES

Title:
2021 Financial Education, Developing Human Capital, Real Skills for Everyday Life
MAP:
2021 Life Skills and Consumer Awareness
Agents Involved:
Dan Allen, Joan Bowling, Diane Kelly, Mary Averbeck, Kathy Byrnes, Linda Brown-Price, Denise Donahue, Hort agent
MAJOR PROGRAM 1:
Financial Education - General
MAJOR PROGRAM 2:
Master Clothing Volunteer
MAJOR PROGRAM 3:
Family and Consumer Science
MAJOR PROGRAM 4:
21st Century Skills (Career & Workplace Development)
Situation:

Kenton County has a population of 167,053 citizens,13% of the population lives in poverty with a 3 % unemployment rate (2019 data). The United States has been in an extremely long period of economic expansion; however, the recent pandemic has caused an economic downturn, creating the possibility of a 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. The recent Community Assessment and feedback from the County Extension Council indicated there was a need for more training in life skills for youth and families in money management, reducing debt, increasing savings, financial planning, and career readiness.

Long-Term Outcomes:
Intermediate Outcomes:
Initial Outcomes:
Evaluation:

Outcome: Increase awareness of sound financial behaviors 

Indicator(s): Number of individuals who implemented at least one strategy to reduce expenses or manage money Number of individuals who made a sound financial decision (regarding credit, budgeting, savings, and/or debt) 

Method: Pre-post test, Verbal Feedback, phone calls, emails

Timeline: Following the workshops


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: Pre-post tests, Testimonials, phone calls

Timeline: two months after workshops 


Outcome: Increase knowledge and skills related to estate planning 

Indicator: Number of individuals who took action toward implementing at least one estate planning strategy.

Method: Written evaluation, verbal Feedback, emails.

Timeline: One month after the workshop.


Outcome: Increase knowledge and skills to improve employability. 

Indicator: Increase number of responses to job inquiries, long-term employability
 
 Method
: Surveys, phone calls, success stories
 
 Timeline
: 3 to 6 months after class then a year follow-up


Learning Opportunities:

Audience: Adults, teens, limited-resource families.

Project or Activity:  Money Habitudes

Content or Curriculum: Money Habitudes

Inputs: FCS Agent curriculum, publications, videos
 Date: September 2020



 Audience: Adults, retirees, young adults

Project or Activity:  Estate Planning Workshop

Content or Curriculum: curriculum, publications, videos

Inputs: Local collaborators, estate Attorney financial planner, UK curriculum, resources, publications,          

Date: April 2021



 
Audience: Adults, teens unemployed individuals, limited-resource individuals, parolees

Project or Activity: Forming a Job Club

Content or Curriculum: KY CES Resources

Input: FCS Agents, Community Partners (Unemployment Office)
 Date: September 2020



Audience: Adults, young adults, and teens
Project or Activity: Financial Education Content or Curriculum: Real Skills for Everyday Life
 Input: FCS Agents, Community Partners (High Schools)
 Date: August 2020


Audience: public
Project or Activity: Let the Consumer Beware in Tough Economic Times
Content or Curriculum: KY CES Curriculum
Inputs: KY CES Specialists, FCS Agents
 Date: Winter 2021


Audience: general public especially women
Project or Activity: Women and Money
Content or Curriculum: KY CES
Inputs: UK curriculum
 Date: Spring 2021

Audience:  Elementary and Middle School Youth 

Project or Activity:  Consumer Savvy

Content or Curriculum: Kentucky 4-H curriculum

Inputs: UK curriculum, agent, 4-H assistants
 Date: September 2020-May 2021



 Audience:  Middle School Youth 

Project or Activity:  Spend, Share or Save
Content or Curriculum: Kentucky 4-H curriculum
Inputs: UK curriculum, agent, 4-H assistants
 Date: September 2020-May 2021



 Audience:  Elementary School Youth 

Project or Activity:  4-H Money Sense
Content or Curriculum: Kentucky 4-H curriculum
 Inputs: UK curriculum, agent, 4-H assistants

Date: September 2020-May 2021



Audience: Elementary School Youth
 Project or Activity:  After-school Sewing

Content or Curriculum: Kentucky 4-H curriculum

Inputs: UK curriculum, agent, 4-H assistants

Date: September 2020-May 2021



 Audience:  Kenton County 4-H Youth

Project or Activity:  Bring a Buddy Unit 1 Sewing

Content or Curriculum:  KY 4-H curriculum

Inputs:  Agent, volunteers

Date:   January-March 2021



 Audience:  Kenton County Youth

Project or Activity:  Junior Unit II, II, IV, V and VI Sewing Classes

Content or Curriculum:  KY 4-H curriculum

Inputs:  Agent, volunteers, program funds, families purchase supplies

Date:   Spring 2021



 Audience:  Kenton County 4-H Youth

Project or Activity:  Senior Units Sewing

Content or Curriculum:  KY 4-H curriculum

Inputs:  Agent, volunteers, program funds, families purchase supplies

Date:   Spring 2021


Audience:  Kenton County 4-H Youth

Project or Activity:  4-H Quilt Camp

Content or Curriculum:  KY 4-H curriculum

Inputs:  Agent, volunteers, program funds

Date:   Summer 2021


Audience:  Kenton County 4-H Youth

Project or Activity:  4-H Non-clothing Sewing

Content or Curriculum:  KY 4-H curriculum

Inputs:  Agent, volunteers, program funds

Date:   Summer 2021


Audience:  4-H Youth 

Project or Activity:  4-H Spring Showcase
 Content or Curriculum:  UK/4-H leadership curriculum

Inputs:  UK curriculum, agent, assistants, volunteers

Date: May 2021


Project or Activity: Beginning Sewing for Adults series
Content or Curriculum: FCS Agent and Master Clothing Volunteer designed
Inputs: Master Clothing Volunteer Curriculum, FCS designed
 Date: Fall 2020, Spring 2021


Project or Activity: Adult Sewing Project Group
Content or Curriculum: FCS agent and Master Clothing Volunteer designed
Inputs: UK Clothing publications
 Date: Monthly, beginning September 2020


Project or Activity – Area Homemaker Zoom – Managing Holiday Expenses
Content – KEHA Homemaker lesson
Inputs – FCS agent designed for zoom
 Date – October 2020


Activity: County Ham Speeches
Content or Curriculum: 4-H County Ham
Inputs: 4-H School Club programs; Volunteer leaders and community leaders as judges, guest speakers; UK Inputs
 Date: August 2021



Success Stories

Small Kitchen Equipment

Author: Kathy Byrnes

Major Program: Food Preparation and Preservation

According to marketing research firm Modor Intelligence, the Unites States small kitchen appliance market is witnessing huge growth, innovation and consumer engagement. Consumer buying patterns include growth in the percentage of buyers purchasing housewares online. In addition, the trend of small kitchen appliances is gaining momentum among millennials, as they look for small space appliances that use less energy and are useful in smaller homes. Earlier research from Utah State University found

Full Story

Answering Questions on Social Security Aid in Financial Planning

Author: Linda Brown-Price

Major Program: Financial Education - General

 Answering Questions on Social Security  Aid in Financial Planning

The coronavirus crisis has shattered the financial security of many Americans, hitting hard the older population. Millions have become unemployed or saw a reduction in wages. Some people are tapping into their retirement savings to make ends meet, while others didn’t have enough in retirement savings to fall back on. This has caused those who are eligible to receive Social Security benefits to have several questions.A virtual training utilizing the zoom platform was used by the  Kento

Full Story

Adulting 101

Author: Joan Bowling

Major Program: Positive Employability

In today’s society it is essential that emerging adults are able to adapt to meet the challenges they face upon high school graduation and beyond. Ironically, 2020 further complicated the transition into adulthood as many families were not well equipped to handle the magnification of issues the COVID pandemic generated. Joblessness, financial insecurity, and relationship conflicts, created a crisis that many people never imagined they would endure. Concerns raised at an advisory council me

Full Story
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