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Friday, October 16, 2020

October: Financial Planning Month

October is Financial Planning Month and it’s a great reminder for us to keep our spending in check and to prepare a budget before the upcoming holiday season. We have compiled some tips and other resources to help get you started.

Before you start it is important to have a defined goal as the first step. 

You can ask yourself: 

·       What are your goals? How are you tracking your goals? Who is helping you reach your goals?

These 5 Tips can help put you in the right direction:

·      Create a budget. Review previous monthly bank statements and cut expenses where you can. Eating out, monthly memberships, and drive-thru coffees add up over time!


·      Start saving. A little put away here and there also adds up over time! Keep that pocket change and cutting back on expenses goes a long way. Transfer over a portion of each paycheck when possible to your savings and watch it grow! We like to call this “paying yourself.” Do something nice for your future self.


·      Pay bills on time. When bills are not paid on time, late fees and penalties result in extra costs and can lower your credit score. 


·      Consolidate debt. Carrying a never-ending balance across many accounts can be challenging to manage. Our Debt Management program develops consolidated payment  plans that include lower interest rates and monthly payments which are made directly to our office and distributed appropriately to the creditors on the behalf of the client.


·      See a financial planner (at Origin SC). We can help you with our goals and set you on the path to success. We offer many resources, such as FREE workshops to help improve your credit and make ends meet ! Origin SC also has a Financial Coaching programWe provide education in developing and balancing your budget and managing your money to make the most of every paycheck. You will work to develop a simple budget that accommodates your unique financial situation and lifestyle. 


Written by: Allie Ryan

 

Wednesday, September 23, 2020

Thinking Outside of the Box: 5 Creative & Simple Ways to Help Domestic Violence Victims & Survivors

   October is Domestic Violence Awareness Month (DVAM). This month is about taking action, raising awareness, and bringing attention to the issue of domestic violence (DV). It is also about remembering those we have lost to domestic violence and honoring those that have survived. Change starts within ourselves and flows out; first touching our families and those closest to us, next reaching our communities, and then moving beyond to hopefully, a national level. If we want a world without domestic violence, we must take a stand in some way and remind ourselves, our communities, and our country that there are still countless people impacted by domestic violence directly and indirectly each year. We must continue to shed light on the issue until there is zero tolerance for domestic violence on a national level. For many of us, this can seem daunting & uncomfortable, and for many of us, we pose the same question in our heads. “How can I actually make a difference in a domestic violence situation?” The answer is simple, let’s change the way we think about making a difference on an issue such as intimate partner violence. Let’s change the way we think about offering help to create change should look like around domestic violence. Even though we want to, we don’t have to stop the abuse to help and create change around the issue.

   In honor of taking a stand against domestic violence, this article intends to offer a few examples on the ways you might be able to help a survivor or someone experiencing domestic violence.

1.    1. Give your talents- Do you have some special skill that comes so very easy to you it’s almost like second nature? Have your friends ever asked for your help with something because you are known to be quite good at it? Do you have special training/ certifications or professional skills and experience that others might benefit from? If so, you can always contact an organization that works with domestic violence victims and ask if their clients could use your skills. A personal trainer, yoga instructor, dance teacher may offer exercise, yoga, or dance classes periodically. A career coach might offer a class that focuses on preparing for a job interview. A writer or even college level English major, can provide a workshop on building resumes and writing cover letters. You might offer attendees the opportunity to develop their own resume during the class. Chefs can offer a cooking class. Artists can offer art therapy workshops. Call your local domestic violence shelter or organization and offer your talents. The possibilities are endless in this department!

2.   2.  Give your time – Many domestic violence organizations and shelters rely heavily on volunteers to ensure certain aspects of their programs continue to run and function efficiently and smoothly. Unfortunately, funding is limited for most, if not all, programs that work toward helping domestic violence victims and survivors. Limited funding means limited staff with heavy caseloads and not nearly enough time. This is why volunteers are so essential to these domestic violence shelters and organizations. If you are interested in volunteering, check your local DV shelter and DV organizations to see what opportunities they offer volunteers. A few options might include:

·         Answering calls that come through a domestic violence hotline or online chat

·         Providing agency/shelter approved transportation to appointments and job interviews

·         “Volunteering as an advocate who helps survivors find jobs, housing, childcare, and legal services”

·         Working at a DV fundraising or DV awareness & community event

·         “Cooking or cleaning for a shelter”

·         “Fostering a dog or cat whose “parent” can’t keep the animal in a domestic violence shelter”

3.   3.  Give a nonmonetary donation – When leaving a domestic violence situation, many survivors have to start over entirely. They often spend weeks if not longer planning to leave the abusive situation and often wait anxiously for the safest time to leave. They typically have a very limited window of time to escape and no means to take belongings other than a small bag of clothes for themselves and their children and important documents. If you have items that you no longer need such as clothes, like new household items (ex. towels, blankets/sheets, furniture) old cell phones, old vehicles, consider donating before throwing these items away. Toiletries, cleaning supplies, and food are always in high demand at shelters as well. You can also call your local DV shelter and ask what they need. Start a local drive with friends to obtain what is needed and raise awareness.

 

4.    4Give a monetary donation – Shelters and organizations often have limited funding and rely on grants and donations to keep their domestic violence programs running and afloat. Donations are always greatly appreciated and make a huge difference in the supportive services that most organizations and shelters are able to provide. If you’d like to donate to Origin SC’s Family Violence Intervention program, click the link. https://originsc.org/get-involved/donate/

 

5.    Help the people around you – You don’t have to work at a domestic violence shelter or organization to offer kindness and compassion to someone in need. Just offer to listen and see how you can help their particular situation whether it be babysitting for a few hours, or watching a pet, maybe they just need a safe place to stay one night. Perhaps you can be the safe location they come to first when they decide to flee and then you help get them to a shelter. With dv rates so high, chances are you do know someone who has or is experiencing intimate partner violence. If you know someone isn’t ready to leave a domestic violence relationship, just simply let them know you are here for them now and when they do decide to leave. Provide them with local resources and encourage them to call 911 if they are ever in an emergency.

jh Origin SC, has a Family Violence Intervention Program (FVIP) that offers group workshops and individual counseling for those who have experienced violence or abuse in the home. To learn more, visit the FVIP webpage or call 843.628.3000.

Written by: Lindsey Jenkins

 

Resources: https://www.goodtherapy.org/blog/four-ways-to-help-domestic-violence-survivors-besides-money-0517137

Adulting 101: Financial Tips for Young Adults

 

Adulting 101

 

Congrats! You’re on your own and have become an adult, but have you considered one of the hardest parts of becoming an adult…your finances?  We hear terms like budgeting, credit scores, taxes, interest, loans, etc. but most of us were never taught what these things mean. So how do we become educated in a time where our generation (Gen Z & Millennials) avoids the conversation involving their finances? We know taking the first step towards acknowledging your finances is the hardest part.  That’s why we have provided some tips and resources to help you overcome this fear and take action!

 

Everyone deals with money anxiety whether it be having enough to make ends meet, paying bills, buying a home, or even earning enough income to achieve long-term goals; you are not alone!

 

First things first, here are some tips to help take small steps to become more comfortable addressing your finances:

 

·         Create a monthly budget

·         Check your account balances once a week

·         Pay bills as soon as possible

·         Keep credit card accounts low and pay off as soon as you spend

·         Start to create long term financial goals

·         Invest in yourself

 

Still overwhelmed with your finances? Don’t be afraid to get help! The more you talk about money and listen to what works for others, the more your fear will begin to fade. We at Origin SC have amazing resources to help you, many are FREE. Take advantage of them while you can! Getting ahead early will help you with those long term financial goals.

 

Origin SC Free Virtual Classes: https://originsc.org/classes/

 

Credit Improvement & Making Ends Meet 

Learn the positive steps you can take to improve your credit & basic budgeting techniques and day-to-day money management strategies. This workshop can be especially helpful for potential homebuyers.

Intro to Homeownership

Gain a better understanding of the homeownership process – from the mortgage application to down payment assistance.

 

First Time Homebuyer

Take advantage of this comprehensive HUD-certified workshop! Learn the latest from our licensed homebuyer coaches and meet trusted professionals in the industry.

Bankruptcy Counseling

Get the counseling and education you need if you are facing bankruptcy.

Foreclosure Prevention

Learn how our licensed and experienced staff can advocate on your behalf to get you back on track with your payments or save your home from foreclosure.

·         To sign up for these virtual classes, you can find them here: https://originsc.org/classes/ or can call 843.628.3000

·         Each class is led by our HUD-licensed facilitator: Tavia Watson

By: Allie Ryan