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Financial Peace University

Classes Start June 3, 2019

Click here to register now.

budget Through video teaching, class discussions and interactive small group activities, the Financial Peace University course presents practical steps to win with money. You’ll learn how to walk out of debt, build significant savings, and leave a lasting legacy for your family and community. You will also learn the truth about credit cards and credit bureaus, how marketing can sway your spending decisions, what insurance you actually need, and how to plan for college and retirement.

Financial Peace University is a proven course that started out as a small class taught in a church. Twenty years after the course was developed, its creator, Dave Ramsey, continues to teach people God’s way of handling money. Lisa, a recent course graduate says, “Dave explains so much about money and how to handle it the way God intended. You will learn a lot about money.”

The cost of the nine-week course is $109 dollars. Kelly, a first-time homebuyer says, “The great thing is you pay for the class, but get back so much more.”

The course is structured around a seven-step plan.

debtStep 1: Save $1000 in a beginner emergency fund
Step 2: Pay off all debt, except mortgage
Step 3: Put three to six months of expenses in savings
Step 4: Invest 15% of your household income into retirement
Step 5: Save for your children’s college
Step 6: Pay off your mortgage early
Step 7: Build Wealth and Give

Course coordinator, Janie Hamilton, says that each step is achievable, but moving from step one to step seven takes time. “It can take three to four years before you make it past step three, but it can be done,” Hamilton explains.

Now is the time to sign up for summer 2019 Financial Peace University courses. Click here to register.

Location:

815 Court Street, Charleston

Schedule:

Mon, Jun 3 at 5:45 PM – Baby Step 1 & Budgeting

Mon, Jun 10 at 5:45 PM – Baby Step 2

Mon, Jun 17 at 5:45 PM – Baby Step 3

Mon, Jun 24 at 5:45 PM – Baby Steps 4, 5, 6, & 7

Mon, Jul 1 at 5:45 PM – Buyer Beware

Mon, Jul 8 at 5:45 PM – The Role of Insurance

Mon, Jul 15 at 5:45 PM – Retirement Planning

Mon, Jul 22 at 5:45 PM – Real Estate & Mortgages

Mon, Jul 29 at 5:45 PM – The Great Misunderstanding

 

Need More Information? Contact Us!

Giving Back to Your Community During Easter

Although Easter is considered a Christian holiday, that doesn’t mean those who don’t identify as Christians can’t use the opportunity to give back to their communities through service-related projects. You can pay a visit to your local nursing home or volunteer through programs such as Habitat for Humanity. Regardless of how you contribute, Easter is a wonderful time to illustrate the importance of giving back.

Charities

If religion is important to you and you want your donation to reflect that this Easter season, look for a Christian-based charity.

When you make a donation of any kind, be sure to do your homework on the charity to ensure your contributions are put to good use. Make sure the charity is a tax-exempt 501(c)(3) organization and check out their finances on GuideStar.com.

Donating to charities is really about generosity and the goodness you feel in your heart, but that doesn’t mean you shouldn’t take advantage of the tax benefits available to you. A donation to Habitat for Humanity, whether it’s monetary or property, may provide a deduction against your income tax if you itemize deductions. The donation is deductible in the year in which it’s paid, so you’re eligible for the deduction each year that you donate.

Programs

If you’re looking for more of a hands-on approach to giving back, consider volunteering somewhere such as Habitat for Humanity. We offer volunteering opportunities to build safe, affordable housing. You can volunteer somewhere close to home. Right now we’re building in Charleston, West Virginia. Habitat volunteers are welcome on the construction site any day we’re building. Just check out calendar out here: http://hfhkp.volunteerhub.com. If you’re more comfortable away from the construction site, consider volunteering at our ReStore in the coming weeks.

Habitat also welcomes group volunteer efforts. You can get a group of people together from your work, church, or a community organization to form a partnership with Habitat to contribute to their vision. We have jobs and tasks for all skill levels and abilities, including construction, beautification, and landscaping. You can even help us in the office by volunteering for one of Habitat’s committees.

Your Own Time

Visiting your local nursing home or children’s hospital is another way to contribute to your community this Easter. Call before you go to discuss ways you can cheer up the people in these locations. Perhaps you can gather a group of friends to sing karaoke and get the residents at the nursing home or patients at the children’s hospital to join in on the fun. You can also make Easter-themed crafts or some creative Easter eggs with your kids to distribute to residents and patients to bring a smile to their faces.

Many homeless shelters offer a large Easter lunch, and they welcome volunteers to assist in setting up, cooking, serving, and cleaning up for the event. Check a volunteer search engine to find an opportunity near you.

No matter how you donate, contributing to your community helps you connect with your city and feel a sense of pride as you give back. We rely on volunteers and donations to continue thriving and providing for those in need. Easter is a great time to remember to think bigger than yourself and help those who need it most.

Spring Cleaning Just Got Easier.

The temperatures are rising, and the sunshine is back. Now more and more people are turning to home projects to break out of their winter hibernation. Spring cleaning is the most common – and easiest – thing you can do now as the weather still warms up. No one really looks forward to spring cleaning, but it helps to think about the final result: a clean and fresh house!

You may feel unsure where to start, but get your spring cleaning started by removing the clutter from your home. It’s as simple as taking stock of what you have and haven’t used lately. Outside of seasonal items, anything that you haven’t used in the last year is probably a safe bet to donate.

Divide your household items into separate piles with “keep”, “toss out”, and “donate” labels to make sure nothing is done away with improperly. It may seem hard at first, but once you get started it you’ll likely be surprised at how much you really don’t need.

Don’t just toss all of your unwanted belongings in the trash. Remember that “donate” pile. A lot of the items that have accumulated in your home are probably still in good shape and could be used by someone else. You can donate your gently used items to Habitat for Humanity’s ReStores in Charleston and Teays Valley. Both ReStores can arrange pickup for large items that won’t fit into your car. The ReStore accepts things like building materials, furniture, light fixtures, lumber, sinks, toilets, bathtubs, and home goods. You can even donate your unused paint as long as it is not oil based paint.

Don’t let the fear of possibly needing an item scare you into keeping things you don’t need. Repurpose it so someone else can enjoy it. Donate your items and give your stuff a second life.

Call to Donate.
304-881-0262

 

GuideStar’s Highest Seal of Transparency

Habitat for Humanity of Kanawha & Putnam today earned the 2019 Platinum Seal of Transparency, the highest level of recognition offered by GuideStar, the world’s largest source of nonprofit information.

By sharing metrics that highlight the progress Habitat is making toward our mission, we are giving our donors the best possible means of evaluating how their donations are being used.

“In accordance with our long-held belief in being transparent about our work,” said Shawn Means, “we are excited to convey our organization’s results in a user-friendly and highly visual manner. We can now easily share a wealth of up-to-date organizational metrics with our supporters, donors, peers, and the media.”

View Habitat’s GuidStar Listing by Clicking Here!

Saying Goodbye to Bill

Bill Andreas

After five productive years of raising support for Habitat’s work, Development Director William “Bill” Andreas is moving to North Carolina to be nearer to family. Bill’s last day with Habitat for Humanity of Kanawha & Putnam was March 3.

Bill started with Habitat in 2014 after moving to West Virginia from Fort Wayne, Indiana where he had spent many years working for Easterseals. During His five-year stopover in Charleston, Bill helped expand Habitat’s signature annual fundraising event “A Taste of… in Charleston” where each year a restaurant from hours away comes to Charleston for one evening in support of Habitat’s mission. He created the “TGIF Builder’s Club” that helped bring out an additional 300 volunteers each year, and Habitat’s Legacy Society, a planned-giving program.

As one of his final achievements with Habitat, Bill helped secure an Affordable Housing Program grant that will help complete the North Hills Drive neighborhood on which Habitat has been working for the last several years.

Bill is moving south to be closer to his family. He says he is excited to watch his 15-month-old granddaughter grow and spend time with his son and daughter-in-law. He will be living in Wilmington, North Carolina and spending his free time fishing the waters of the Atlantic. If you go looking for Bill, you will find him smiling on Carolina Beach with a fishing pole in hand.

Eliminating Debt & Empowering Homeowners

Habitat for Humanity empowers future homeowners to successfully own and maintain a home. One such way we achieve this is by teaching our Habitat partners about financial responsibility. We use a proven course that started out as a small class taught in a church. From that, Financial Peace University was born. Twenty years after the course was developed, its creator, Dave Ramsey, continues to teach people God’s way of handling money. Lisa, a recent course graduate says, “Dave explains so much about money and how to handle it the way God intended. You will learn a lot about money.”

debt free familyRamsey is a personal money-management expert and popular national radio personality. His seven best-selling books – Financial Peace, More Than Enough, The Total Money Makeover, EntreLeadership, The Complete Guide to Money, Legacy Journey and Smart Money Smart Kids – have sold more than 10 million copies combined.

Through video teaching, class discussions and interactive small group activities, the Financial Peace University course presents practical, biblical steps to win with money. You’ll learn how to walk out of debt, build significant savings, and leave a lasting legacy for your family, church, and community. You will also learn the truth about credit cards and credit bureaus, how marketing can sway your spending decisions, what insurance you actually need, and how to plan for college and retirement.

The cost of the nine-week course is $75 dollars. Habitat homebuyers get a rebate once they complete all nine classes. Kelli, a current Habitat homebuyer says, “The great thing is you pay for the class, but get back so much more.”

The course is structured around a seven-step plan.

  • Step 1: Save $1000 in a beginner emergency fund76% of Homeowners live paycheck to paycheck.
  • Step 2: Pay off all debt, except mortgage
  • Step 3: Put three to six months of expenses in savings
  • Step 4: Invest 15% of your household income into retirement
  • Step 5: Save for your children’s college
  • Step 6: Pay off your mortgage early
  • Step 7: Build Wealth and Give

Course instructor, Janie Hamilton, says that each step is achievable, but moving from step one to step seven takes time. “It can take three to four years before you make it past step three, but it can be done,” Hamilton explains.

The Financial Peace University course is offered twice a year on Monday nights at the John L. Dickinson Homeowner Education Center at 815 Court Street in Charleston. Each class runs from 5:30 p.m. to 7:30 p.m. If you miss a class, you can make it up during the next course offering.

Schedule & Lessons

• Lesson 1 –  Super Saving
• Lesson 2 – Relating With Money
• Lesson 3 – Cash Flow Planning
• Lesson 4 – Dumping Debt
• Lesson 5 – Buyer Beware
• Lesson 6 – The Role of Insurance
• Lesson 7 – Retirement and College Planning
• Lesson 8 – Real Estate and Mortgages
• Lesson 9 – The Great Misunderstanding

For more information, including cost, or to purchase your class materials and register, contact Janie Hamilton directly at 304-720-0141 ext. 18 or email Janie at janie@hfhkp.org.

1 Year of Support

March 8: International Women’s Day

Celebrating Women Volunteers

March 8, 2019 is International Women’s Day. As part of the mission of Habitat for Humanity, we engage community members to give them volunteer opportunities. Most of our construction volunteers are men, but we do see our fair share of women on Habitat job sites. Many of our Habitat Homebuyers are women, and many are single women raising children on their own.

girls groupWe want to take this opportunity to recognize and thank our female volunteers who lend their time, talent, voice, and support to Habitat for Humanity. We also want to commend our female homebuyers for their dedication to bettering the lives of their families.

Homeownership empowers women here in West Virginia and around the world. Owning an affordable home can remove barriers to opportunity and success and lead to improved health, stronger childhood development, and financial stability.

This International Women’s Day, take some time out to recognize the women in your life that are working hard to better the world around them.

 

Volunteer opportunities are available. Click here to view Habitat’s Construction Calendar or call the Habitat for Humanity Volunteer Hotline at 304-720-4470 to learn more.

 

Master Homeowner Tips: Being a Good Neighbor

It’s easy to be a good neighbor if you love where you live.

Maintain your domain.

Take a walk across the street and look at your property. Is it an advertisement for home repair services? Aside from old cars on blocks, avoid leaving toys in the yard, mow your lawn regularly, and fix any broken fence gate that goes clink-clank in the night. These little nuisances won’t make you friends.

Don’t blare the tunes.

Everyone loves a good party, but watch the volume when you crank up the music. If you plan on having a bash, let your neighbors know, so if they want, they can choose to have a quiet evening at home another night.

Keep an eye on Fido.

If your dog spends time in the backyard, be mindful if he’s a barker (as a rule, don’t let a barking dog woof it up for more than two minutes). If your yard isn’t fully fenced in, make sure your pooch doesn’t take his bathroom breaks on your neighbor’s lawn.

Make yourself helpful.

If you know your next-door neighbor is taking off to Japan, offer to collect her packages or mail until she gets back. If you’re sweeping your sidewalk, keep going and sweep hers, too.

Don’t drive like a maniac.

Keep it light on the gas pedal. Always be mindful of children, bikers, and runners. Think about safety.

Smile and say hello.

Make a habit of taking a stroll after dinner. Offer a smile. Strike up a conversation. Tell someone you like their garden. Or just give a small wave. Send out some good vibes and you’ll definitely get some in return.

If you ever decide to build a fence, confer with your neighbor first, and purchase one that’s attractive on both sides.

If you’d like to learn more about being a good neighbor, check out our Master Homeowner Class, Neighborhood Relations.

Master Homeowner Program

Fayetteville Comes to Charleston

Tiny Fayetteville, West Virginia, with a population of less than 3,000, has to be the per-capita state champion of food. There are so many fantastic locally-owned restaurants in this one small town that it boggles the mind.

Pies and Pints (which began in Fayetteville before spreading to 13 locations in six other states) still serves their amazing craft pizzas right there on Maple Avenue, and just down the hill on Keller Avenue you will find Secret Sandwich Society serving to-die-for sandwiches, burgers and salads to anyone lucky enough to get a table. Over on Court Street, The Cathedral Café, a Fayetteville institution, serves – among other things – fantastic breakfasts featuring their one-of-a-kind Sweet Potato Pancakes. Up the hill from Cathedral is Wood Iron Eatery, the new kids in town, serving wonderfully creative breakfasts and lunches with a California spin. Throw in a cute little ice cream called The Stache (where you can pose for a picture with your ice cream mustache) and, rumor has it, a new noodle restaurant called New River Curry House, and you have all the makings of a culinary wonderland just an hour’s drive from Charleston, and all within short walking distance of each other.

And perhaps the crown jewel in this culinary treasure chest is The Station: A casual fine-dining restaurant that features craft cocktails and a local farm-to-table vibe. Sitting right there on Court Street, at the threshold of the historic district, The Station offers discriminating diners Appalachian-inspired comfort food prepared with a mix of local and regionally sourced ingredients. From Artisan Cheese Plates, to Roasted Beet Salad, to Bangers and Mash, to Shepherd’s Pie, to Pastas and Curry, a visit to The Station is sure to please the pickiest palate.


The Station’s credo is all about local: “We believe that people have a growing interest in knowing where their food comes from and how it is produced,” says co-owner Amy Summerford. “We also believe in eating food that is produced in a way that is kind to what is being produced, where it is being produced, and to whom is producing it. Therefore we strive to create unique and delicious meals using thoughtfully sourced local ingredients that are respectfully and skillfully prepared. We delight in nourishing our customers while supporting our local economy because we believe it is the right thing to do and because it makes us happy.”

It makes a lot of people happy. And on February 20, Habitat for Humanity is happy to bring The Station to town for one night only for this year’s iteration of our annual fundraiser, “A Taste of The Station in Charleston.”

Join us! You can purchase tickets online at ATasteOfTheStation.com

Partnering with Habitat for a Better Life

“If I hadn’t found Habitat, we would still be in that one-bedroom apartment, and it wasn’t the best of conditions.

There was an old electric stove, and depending on what you were doing, you’d get shocked. The dryer was always going out, and we had to hang clothes all over the house. It seemed really quiet when we were looking for a place, but then over time, there was a lot of violence. There was actually a homicide in our building. It’s those things that put a lot of stress on people, and we were definitely feeling that.

I didn’t think I was going to qualify, but they considered my situation a dire need: four people in one bedroom, having the issues that we were having.

I had no idea that I was capable of doing a lot of the things we ended up doing. I loved it. For over a year, I was working full time, plus doing sweat equity to build my future home. I was also enrolled in Habitat’s Master Homeowner Program.  It taught me everything I needed to know to maintain my home for life.

Monday evening I took classes at Habitat’s education center, and I put in my construction hours on the weekends.

Habitat Family

While constructing my house, I got to know my neighbors. We built each other’s homes, and you can’t get much closer than that.

The biggest difference overall is that general sense of security. Just knowing that it’s ours, and we make all the decisions — it’s been really comforting for our family. I think the kids knowing that they won’t have to move is very comforting. We’ve made a lot of moves over the years — 13, in fact. I know my son really appreciates having his room. Having his space, his own room — he really likes it a lot.

You know, I think I was more scared buying a car than buying the house. The only reason for that was Habitat for Humanity. I feel really comforted knowing that, if anything were to happen, Habitat would work with me. So I didn’t feel scared, just willing.

When I went to sign all the official paperwork, and they hand you the real keys and the title and everything, that’s when I was like, “This is happening. This is now my house, and these are my keys.”

We moved in right away, that next weekend, and even with boxes all over the place it felt like, “This is my house.”

Click HERE to make a secure, online financial contribution.