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Archive for category: Partner Family Homes

Financial Planning: The Cornerstone of Homeownership

As future homeowners partner with Habitat for Humanity to build a place they can call home, they work hundreds of hours to secure a better future for themselves and their families. Those future homeowners work to build their home — and the homes of others — alongside volunteers, but they also take steps that will help ensure their long-term success once they are in the home. Homeowners will not stay homeowners if they do not learn to take charge of their financial life. 76% of Homeowners live paycheck to paycheck.

All future Habitat homeowners participate in financial education classes that help them develop a solid foundation, often before the building process even begins.

Laura, a Habitat homeowner who has lived in the home she helped build for approximately a year and a half, says Habitat for Humanity’s classes can have a long-lasting, generational impact. “They set you up for success,” she says, “creating that sense of security that comes not only from homeownership, but savings and investments.”

We’d like you to join us for our next “Financial Peace University,” – a nine-lesson course focusing on money management taught by financial guru, Dave Ramsey and facilitated by Janie Hamilton. Janie is a Financial Peace University graduate, and she lives the methods learned through the course. She will present Dave’s tried and true method to walk you through the basics of budgeting, dumping debt, planning for the future and much more.

The best way to jump-start your financial planning and to see the most significant life-change is to join our local group and experience the class with other people. Classes typically meet for two hours once a week for nine weeks. The accountability and motivation you receive from discussing the lessons and meeting people face-to-face is the key to changing your life! Our classes start up in January.

“When we sit down, the very first class, we have them create a budget and list all of their outgoing payments and all of their incoming money each month so that they can get hands-on and actually see what’s going on,” says Janie Hamilton, course facilitator.

When you start “Financial Peace University,” you get immediate access to your online account which includes video of Dave’s teaching as well as additional reading and tools to help you win with money! You get one year of online access included when you purchase the course materials. Go through the video lessons and join our local group Monday nights starting in January for extra encouragement.

Schedule & Lessons

• Lesson 1 – January 08, 2018 – Super Saving
• Lesson 2 – January 15, 2018 – Relating With Money
• Lesson 3 – January 22, 2018 – Cash Flow Planning
• Lesson 4 – January 29, 2018 – Dumping Debt
• Lesson 5 – February 05, 2018 – Buyer Beware
• Lesson 6 – February 12, 2018 – The Role of Insurance
• Lesson 7 – February 19, 2018 – Retirement and College Planning
• Lesson 8 – February 26, 2018 – Real Estate and Mortgages
• Lesson 9 – March 05, 2018 – The Great Misunderstanding

For more information, including cost, or to purchase your class materials and register, click here: https://fpu.com/1050847
You can also contact Janie Hamilton directly with your questions at 304-720-0141 ext. 18 or email Janie at janie@hfhkp.org.

1 Year of Support

 

Help Us Help a Local Family

We’re working with a couple right now to give them a hand up and get them Home By Autumn.

The couple and their children live in an unsafe part of town in an overcrowded apartment. The building is not a safe haven for kids. There is consistent foot and car traffic outside the main entrance. The family was beginning to lose hope of finding an affordable home after years of bouncing around in small, expensive and problem-ridden apartments.

“I was tired of renting things that would never be mine. It’s difficult and tiring to have to move all of the time.”

Then, one conversation changed the family’s life. They were told about Habitat for Humanity from friends that had attended our regular open-house events. The couple researched the requirements, put in an application and are now approved to earn and own a home of their own.

Both parents tell us that they are proud to be able to provide their family with a more stable environment. “The entire family is excited! My kids don’t have to worry about moving every year or six months when the lease on our apartment ends.”

All of the family members have been working hard to earn their 500 hours of “sweat equity.” As with all of our future homeowners, the family must work towards owning their home before we offer them a zero-interest mortgage. They do this by volunteering on construction crews, working in our ReStores in Charleston and Teays Valley, and volunteering in our administrative office. The kids even get involved by making artwork for our construction volunteers.

Now, it’s almost time for them to have a home to call their own, but construction isn’t done yet.

This is where you come in! As they embark on their final steps toward a move in date, we invite you to help them by donating to the completion of their home.

Join us now by giving to our first Home By Autumn campaign.

Click Here to Donate Now

Click HERE to make a secure, online financial contribution.