Extension
It Starts With Us
Teaching families and youth to budget and spend money wisely
Securing Financial Stability
Danielle Barrett, Renata Farmer, Wayne Kirby
Securing Financial Stability (general)
Family and Consumer Sciences 4-H Core Curriculum
Managing in Tough Times
Real Skills for Everyday Life
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 Knox County, the poverty rate in 2009 was 37.7 percent according to the Southern Rural Development center. The Knox County Cooperative Extension Council identified this situation as a concern for our community.
*Number of clientele reporting improved family financial stability and economic well-being.
*Individuals and families are increasing their income as well as maximizing income resources consumption.
*Improve the quality of life for Knox County residents resulting in stronger families.
Number of people who:
-adopt short, mid and long term financial planning strategies.
-improve employability through practical living skills and continued education practices.
-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.
*Teenagers and adults will show increased knowledge and skills related to managing available financial and non-financial resources.
*Change knowledge, opinions, skills and attitudes to improve employability through practical living skills and continued education practices.
*Increase financial literacy related to savings and investments.
Initial Outcome: Families will learn to recognize where their money goes and identify needed areas or change.
Indicator: Families will create a budget and identify ways to increase savings and decrease spending.
Method: Information will be gathered through surveys/pre-post tests and individual testimonials.
Timeline: Program and evaluation will be conducted throughout the year 2017
Intermediate Outcome: Families will save money
Indicator: Establishment of savings accounts/increase in present saving plans.
Method: Information will be gathered through surveys/pre-post tests and individual testimonials.
Timeline: Program and evaluation will be conducted throughout the year 2017-2018
Long-Term Outcome: Decrease in the poverty rate/unemployment rate
Indicator: Families increasing savings based on employment.
Method: U.S. Census Bureau and other federal statistics for Knox County
Timeline: 2019-2020
Audience: General public; farm families; NEP clients; Homemakers; Youth
Project or Activity: MoneyWise Newsletter
Content or Curriculum: Managing in Tough Times Initiative
Inputs: Extension Agents, program assistants, volunteers. Kentucky CES publications and resources
Date: Sent throughout the year to FRC/Homemakers/Farm
Audience/4-H Parents/General Public
Project or Activity: Economic-Related PSA’s
Content or Curriculum: Managing in Tough Times Initiative, UK Agent Exclusives
Inputs: Extension Agents, local radio stations and Local newspapers
Date: Monthly throughout year
Project or Activity: 4-H Dollars and Sense
Content or Curriculum: 4-H Curriculum
Inputs: Extension Agents, FRC, Program Assistants, Teachers, Volunteers
Date: Spring 2017
Project or Activity: 4-H Reality Store
Content or Curriculum: 4-H Curriculum
Inputs: Extension Agents, FRC, Program Assistants, Teachers
Date: Throughout 2017-2018
Project or Activity: Steps to Health Wealth
Content or Curriculum: FCS Curriculum, 4-H curriculum
Inputs: Extension Agents, Local resources
Date: Throughout year 2017-2018
Project or Activity: Piggy Bank Design Contest with KY Saves
Content: FCS/ MITT initiative
Inputs: Extension Agents, Teachers, Local resources
Date: Dec/Jan 18
Author: Danielle Barrett
Major Program: Securing Financial Stability (general)
Limited income and resources brings overwhelming stress to many individuals and families throughout the year and especially at the holiday season. For the second year, Knox and Whitley FCS Agents partnered to present a special workshop for the holidays. This workshop included presentations on: traditional, inexpensive recipes made healthier; holiday food safety; inexpensive gifts to make; and decorations made with things on hand. 40 people attended, and the holiday workshop was deemed a huge suc
Author: Renata Farmer
Major Program: Family and Consumer Sciences 4-H Core Curriculum
A recent study from Harris Interactive revealed that 80% of parents believe that their children are being taught personal money matters in school, yet 90% of high school students and 87% of college students say that whatever they know about money they learn from their parents. Statistics find that most children merely imitate the saving and spending habits they see modeled at home. The Knox County 4-H program responded to requests by teachers for consumer programs by collaborating with the Youth
