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 Kelley, 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:

• 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, resulting in better quality of life and stronger families. 
• Increase the number of clientele reporting improved privacy security measures and reduction in reports of financial fraudulent matters across the state. 
• Maximize or extend resources to maintain or increase financial resources.

Intermediate Outcomes:

• Practice one or more resource management behaviors resulting in increased savings or investments. 
• Adopt financial planning strategies for short-, mid-, and long-term goals.
• Practice better employee “soft/essential skills” such as communication, networking, teamwork, time management, problem-solving, etc.

Initial Outcomes:

• 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. 
• Participants will increase understanding of consumer rights and privacy protection measures.

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 2021

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 2022

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 2021-May 2022

 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: September to November 2021

 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: October 2021

 Audience: general public, especially women
 Project or Activity: Women and Money
 Content or Curriculum: KY CES
 Inputs: UK curriculum
 Date: September 2021 to April 2022

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 2021-May 2022

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 2021-May 2022

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 2021-May 2022

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 2021-May 2022

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 2022

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 2022

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 2022

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 2022

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 2022

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 2022

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 2021, Spring 2022

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 2021

Project or Activity: Big Blue Goals
Content or Curriculum: FCS state big blue goals
Inputs: FCS agent and St. Aloysius
Date: July 2021

Project or Activity: 3 part Kitchen Appliance Series
Content or Curriculum: UK fact sheets
Inputs: FCS agent
Date: September 2021

 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 2022

Success Stories