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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! 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, 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

 

Escape the Chill of Winter with a Culinary Adventure

Imagine yourself surrounded by lights, music and fine food. Outside, it’s the middle of February. Inside, the air is warm and the mood evokes feelings of somewhere far away.  There is a hint of adventure in the room. Several items you could use to further escape the chill outside are at your fingertips.  You peer out of the room’s windows to see snow flurries in the wind.  You look across the spacious room and see the first course of a gourmet meal unveiled for the crowd. The scent takes you someplace far away from the cold.  You make your way to your seat to join your friends.  As the first bite hits your tongue, you’re transported to another place, leaving winter behind.  As the remaining courses make their way to your table, you find yourself losing sight of the chill outside.Taste of Teaser 2018

This February, Habitat for Humanity of Kanawha & Putnam gives you the chance to escape the blustery cold and dine with one of the state’s most popular gourmet restaurants.  As we’ve done in the past, we’re bringing one of the West Virginia’s top restaurants to Charleston.

The Grand Lobby of The Clay Center will fill with food, music and members of our community as we showcase a veteran chef’s creations for you to enjoy.  Our event will feature seven popular dishes, wine and spirits, as well as a signature cocktail.  You will indulge in several unique tastes and textures that most have only read about in travel magazines.

Music from a popular live band, inspired by your culinary adventure, will fill the Grand Lobby with excitement as we showcase the specially-selected items from our one-of-a-kind silent auction.  The things you’ll be bidding on will take you farther than you can imagine.  We’ve curated a selection of items to bring new adventures and exciting travel to your life!

All adventures should include in bit of mystery, so we can’t tell you too much yet.  In the coming months, we will drop hints and clues about what we have in store for the Kanawha Valley this winter.

Join us in the Grand Lobby of the Clay Center in Charleston this winter for a culinary adventure.  Leave the cold behind.

Country Singer Chris Stapleton Becomes a Major Habitat Donor

Country Singer Chris Stapleton Makes Surprise Donation to Habitat for Humanity of Kanawha & Putnam

Country music singer Chris Stapleton surprised local volunteers and board members from Habitat for Humanity of Kanawha & Putnam with a sizable donation that will enable Habitat to continue its mission of providing affordable housing.

The $10,000 grant from the Outlaw State of Kind Fund was bestowed on the local chapter of Habitat for Humanity through the Community Foundation of Middle Tennessee, based in Nashville.

“We didn’t know what to think at first; this was an unexpected surprise,” said Shawn Means, Executive Director of Habitat for Humanity of Kanawha & Putnam. Means said the donation came out of the blue.

Right now, Habitat for Humanity of Kanawha & Putnam is building a community along North Hills Drive in Charleston. Stapleton’s donation will be used to begin construction on Habitat’s 173rd home. That home will be located in the growing North Hills neighborhood.

Stapleton is wrapping up his All-American Road Show tour. The singer’s Charleston concert was rescheduled to November 2nd from its original June date after he sustained a hand injury. Stapleton’s next stop is Columbus, Ohio.

About Habitat for Humanity of Kanawha & Putnam

Habitat for Humanity of Kanawha & Putnam is a nonprofit Christian housing ministry that seeks to put God’s love into action by bringing people together to build homes, communities and hope. Since 1988, Habitat has built more than 170 homes in Kanawha and Putnam counties. Habitat welcomes volunteers and supporters from all backgrounds. Habitat for Humanity serves people in need of decent housing regardless of race or religion.

About The Community Foundation of Middle Tennessee

The Community Foundation exists to promote and facilitate giving in the 40 counties of Middle Tennessee and beyond. It does this by accepting gifts of any size from anyone at any time. The foundation empowers individuals, families, companies, nonprofits, and communities to respond to needs and opportunities that matter. The Community Foundation works with people who have great hearts, whether or not they have great wealth, to craft solutions that reflect their intentions and goals.

BrickStreet Insurance and Habitat for Humanity Partner to Build Homes in Charleston

More than a dozen volunteers spent their Friday working together to build a new home for a family in Charleston. BrickStreet Insurance teamed up with Habitat for Humanity of Kanawha and Putnam county for a third year to work on the project.

Work started at 8 a.m. Friday. Volunteers worked inside, avoiding the rain, to hang drywall throughout the house. By 4 p.m., the walls inside the home were all nailed in place. Some volunteer said they appreciate working for a company that gives back to the community.

“It means a lot because not only is this going to be my community, so I’m helping my neighbors. My neighbors are going to be living in this house soon. Just helping out. You know, people helped me get my home and of course I had to help build on my own home. It’s just a way to bring the community together.” – Michael, Habitat Homeowner & Volunteer

As well as donating time, the Brickstreet Foundation donated $3,500 to go toward supplies and future house builds.

“It is really important to have community partners like BrickStreet, but also to be blessed with additional funds to pay for construction materials – that’s a double blessing.” – Bill Andreas, Habitat for Humanity Development Director

You can click here to see our current volunteer opportunities – and register online – or call the Volunteer Hotline (304-720-4470) to learn more about how you can get involved with Habitat for Humanity. You can also e-mail our volunteer coordinator, Susan Keener, for more information – Susan@hfhkp.org.

BrickStreet Foundation

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

Your Future Home

Decent, Affordable & Yours!

Habitat for Humanity Family Partnering with Habitat for Humanity for a decent, affordable home does not mean compromising on quality. All of the houses that we work with homebuyers to build meet all current building codes, and some of the construction materials exceed those standards. Habitat for Humanity saves you money by offering a zero-interest mortgage. Our mortgages are affordable because we use mostly volunteer labor and some construction materials are donated. In the end, you get the final say in the look of your future home. Our homebuyer partners choose the exterior siding, kitchen countertops, flooring and deck stain on all new construction.

Habitat for Humanity houses save you money.

Our homes are energy efficient. The walls are insulated with R-13, three and a half inch fiberglass. We use a high-quality fiber cement siding on the exterior. It comes with a 15 year warranty and is far more durable than vinyl siding. Habitat houses also offer 30 year architectural shingles. When it comes to the walls inside your future home, we don’t cut corners – we reinforce them. We always build using 2×4 walls and then hang half-inch drywall. All of the quality materials we use in construction give our house walls a total R Value of 22.

Other energy-efficient features of Habitat for Humanity houses include:

  • R-38 Blow-in attic insulation
  • 3” closed-cell high performance spray insulation under subfloor preventing outside air infiltration – sealing floors completely from moisture
  • High-efficiency central heating and cooling system designed for minimal outside air filtration
  • Argon filled, Low E Insulated Vinyl Windows

Habitat for Humanity works with homebuyers to make homeownership manageable.

Our houses use arc-fault circuit breakers and outdoor GFCI outlets. Each house is pre-wired for future updates and customization. The water lines throughout our houses use an innovative PEX water system. PEX water lines are single pipes without joints – eliminating places where leaks can occur. All of the PEX piping we use in our houses are connected to a single manifold that is the hub of the plumbing system. The central water manifold distributes the house’s hot and cold water supply in the same way that an electrical panel distributes electricity. Each house has a minimum of a 40-gallon hot water tank.

The houses that Habitat for Humanity works with homebuyers to build are built for convenience and long term durability.

Each house is built with a covered porch. Each house has a washer and dryer hookup. The inside of our houses feature spacious, 40-inch wide closets in each bedroom. We work to put in as much storage as possible – with added storage space in the bathrooms. Each bathroom is outfitted with a seamless shower and bathtub combination that minimizes places for mildew – reducing cleaning time. For added convenience we use Panasonic Whisper Quiet® bathroom exhaust fans. For added security we use steel front and rear entry doors that are all keyed the same and include deadbolts for added reinforcement.

Habitat for Humanity HouseDuring construction, the land that the house is being built on is graded to drain water away from the house’s foundation. Proper drainage reduces the likelihood of foundation problems, mold and odors. After construction, we landscape and seed the lawn. Proper landscaping can prevent sewer issues and provides the added bonus of blocking wind and sun – adding to the overall energy efficiency of the house. We also make sure each of our houses have ample parking space. Habitat houses all have off-street parking for two vehicles.

Habitat homeowners say they feel like they are getting a quality home that is built to last. That’s because Habitat for Humanity builds homes that are decent and affordable without cutting corners. We’re proud to stand by the homes we work with our partners to build.
To date, we have built more than 150 homes in the Kanawha Valley, and we’re building more right now.

If you would like to apply for partnership with Habitat for Humanity, CLICK HERE to take our short pre-qualification quiz — or call Anne Plott, Homeownership Program Director, at 304-720-0141 ext. 12.

Click HERE to make a secure, online financial contribution.