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Budgeting Makes Things Budgeting Makes Things HappenHappen
A Budgeting Course for Homeless Parents in Athens-Clarke CountyA Budgeting Course for Homeless Parents in Athens-Clarke CountyEDIT 6170 Introduction to Instructional Design
The Designing WomenPatty Freeman-Lynde
Sara Ruth Kerr
BackgroundBackground
66% of homeless in Athens have an income.
Low income individuals are less likely to prepare budgets than higher income individuals.
Learning new skills or relearning skills to become independent is an important part of overcoming homelessness.
Training and the Homeless Training and the Homeless CommunityCommunity
“Educational and training programs may be the most critical serviceoffered by community-based organizations to enhance the ability oflower-income households to accumulate assets” -Alan Greenspan in a speech in 2002 while serving as Chairman of the Federal ReserveBoard.
“I am a firm believer that education is the key to moving out ofpoverty.”
-Pastor Earl Delmarter, Director of the Sparrow’s Nest Mission, Athens, GA
Course objectiveCourse objective
Given an introduction to budgeting and its purposes, the student will be able to
generate a personal budget and choose to maintain this budget by ensuring expenses do not exceed income.
Homeless Parents in ACCHomeless Parents in ACC
Most of our learners were motivated tolearn about budgeting.
“When a crisis hits, I’ll have some
savings available.”
“When a crisis hits, I’ll have some
savings available.”
“I need to learn how to
pay bills, expenses, and have money
left for things I want to do.”
“I need to learn how to
pay bills, expenses, and have money
left for things I want to do.”
“I could manage my
money better.”
“I could manage my
money better.”
Course DesignCourse Design
AA
Instructional StrategiesInstructional Strategies
Informal small group fosters relaxed discussions
"Can you remember the last 5 things you bought and how much they cost?"
Hands-on practice creating a real personal budget
Distribute small notebooks for writing down expenses before next lesson
Field TrialField Trial
The field trial took place at Athens Area Homeless Shelter.
Four homeless parents completed the lesson.
Students were given paper budgeting forms to complete, pencils and note cards for a game.
Hands-on budgeting activityHands-on budgeting activity
What did you learn in this course?
“Budget awareness, what are you working with.”
“That I need a very good paying job to get by nowadays.”
“That general living expenses cost way more than I thought and budgeting goes a long way.”
AssessmentAssessment
Personal Financial Well-Being ScalePre and Post Test Results
EvaluationEvaluation
What parts of the course were confusing?
“None, I just need someone over my shoulder yelling:
‘Budget, Budget!!’”
What parts of the course were confusing?
“None, I just need someone over my shoulder yelling:
‘Budget, Budget!!’”
Will you create a budget for your family?
“Definitely, as soon as I get a
job.”
Will you create a budget for your family?
“Definitely, as soon as I get a
job.”
Will you create a budget for your
family?“Maybe, cause
here I don’t really have much
to budget.”
Will you create a budget for your
family?“Maybe, cause
here I don’t really have much
to budget.”
What would you change about the course?
“Have more than one session.”
What would you change about the course?
“Have more than one session.”