Archive | Savings

Ms. Laverne

By on 12/21/17 in Durham, General, Highlight, Housing, Member Story, Savings, Story

Romeo, Romeo! Ms. Laverne adores her Romeo

She showers him daily with belly rubs and bacon bits. “If you rub his belly, he’ll go to sleep,” Ms. Laverne intimates. And Romeo has stuck with Ms. Laverne through thick and thin, including the years when they were sleeping in her car, and in and out of hotels or friends’ homes. “Romeo would let me sleep, and when I woke up, he’d sleep. We would both watch out for each other.”

The day they first saw their new home, Romeo raced up and down the long hallway with barks of approval.

Ever since she moved into the new apartment this past June, Ms. Laverne has been relishing the daily things: “Opening the door is a blessing. Closing the door is a blessing. Laying in my bed is a blessing. Cooking. Decorating a house. It’s just a blessing not wondering where your next step is going to be.”

Even through homelessness, Ms. Laverne never stopped fighting for what is right for herself and others. She worked with CEF and her support networks to find her stable home! Photo collages of beloved family members adorn the walls of the living room and hallway, side-by-side with school photos of her children and grandchildren, their ribbons and certificates of achievement, baptismal certificates, Bible verses, and a poem written to her by her son. Her home is filled with the people she honors and loves, making space for memory and hope for loved ones who have passed on or are locked away.

Ms. Laverne’s favorite room is the bathroom. It’s large and luxurious-feeling, with a floral shower curtain and plush towels folded in neat stacks. “I came a long way from going around and taking bird baths.”

How Ms. Laverne Found Her Home

Ms. Laverne connected with CEF when she came to a public meeting of the Homeless Services Advisory Council in Durham to advocate for her needs as an individual experiencing homelessness — bearing witness to her own experience and the experiences of so many others, while making a prophetic call to action.

After 9 years of faithfully paying rent on time, Ms. Laverne had been evicted after a dispute with her landlord. For two whole years, Ms. Laverne and Romeo navigated homelessness together — finding food and safe places to sleep, taking “bird baths” in public restrooms, and struggling to find a healthy, non-abusive place to recover from back surgery in the midst of this experience.

“I’ve never been homeless before. This is my first time,” she shares. “I didn’t give up on myself. More people did me wrong, I kept pushing myself. More people lie on me, I kept defending myself. I’m not a bad person, I’m a good person. I live for God, and I like helping people.”

At that public meeting, CEF and Ms. Laverne connected and have stuck together ever since.  She connected with staff at the Durham Housing Authority at that same meeting, and worked through the process to secure a permanently affordable apartment with DHA. With CEF, she connected to legal services and addressed credit issues that were preventing her from securing housing. She also got a job at Harris Teeter, where her co-workers have been a wonderful community of support. She gives a special shout-out to all of these groups, and Angela Holmes (Chair of the Homeless Services Advisory Council) for helping with her transition into housing.

About CEF, Ms. Laverne shares, “[CEF] made sure I was okay, and we started working on everything.”

“[CEF] don’t do the talk, they do the walk. And since I’ve been coming here, all I see is friendly faces glad to help you. [They] ask you, ‘What do you want?’ and take everything you say to the heart. And they love my dog.”  (Indeed, Romeo charms the entire office when he comes in with Ms. Laverne.)

What’s Next for Ms. Laverne?

Ms. Laverne has new goals to share with CEF. “I’m going to take computer classes, to get a laptop, so that when I go to school I can have it… I want to get my GED.”  

She hopes to eventually use it in support and advocacy of other people who are experiencing homelessness. Even while she slept in her car and struggled with issues of discrimination, Laverne never stopped fighting for what is right and helping others. “When I was homeless, I helped homeless people. I paid for a hotel room for a family. So, though I was down and out, I still helped, and I didn’t ask for nothing back in return. I just told them, ‘Do it for the next person.’”

Ms. Laverne dreams of managing her own shelter one day. “I wish I had money to build a place. This would be my shelter: a lot of flowers. A lot of love. Respect. Trust. And a church inside my shelter.” In a way, she has already built this sanctuary space inside her home.

P.S.     We’ll be sharing more stories of “Sticking with it” through the holidays. Follow us on Facebook, Instagram, and Twitter!  #CEFstickstogether

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Chinita

By on 12/13/17 in Chapel Hill, Highlight, Housing, Member Story, Research + Publications, Savings, Videos

“Six months ago, I was a person that lived in the trees. When [Hurricane] Matthew was running, and you were home safe, I was in the trees. Thinking about if they fell on me, would anyone find me? I was in the trees. I was in the trees because I could no longer afford housing in this city that I had lived for 6 years. I had an income. I was homeless, but not hopeless. I only wanted to trade trees for keys.”

Now, from her new, affordable apartment, Chinita is still surrounded by the trees, but she has keys. She remarks in bursts of joy to see the chipmunks scurry past her window, to see nature as her neighbor, but not her shelter.

Chinita grew up in Greensboro, and received degrees in Journalism and Education from NC A&T University. She built a career based on service and a love of people, working as a teacher and as a Hospice caregiver, and even for several years as a publicist and media sales.

In 2010 Chinita relocated to Chapel Hill to be closer to her doctors, and shares, “I had been living in the same place since I came to Chapel Hill — for six years. It wasn’t the best place, but it was home, it was comfortable, it was safe.” Each year, Chinita says, “I would go through the annual time to renew your lease and it’s nothing abnormal, normally it’s anywhere from $20 – $25 more but nothing shocking. Last year was shocking.”

Last year, her rent went up from $680 per month to $2,110 at her lease renewal. More than triple. This was more than she could possibly afford, and forced  her to seek new housing with short notice. She moved into her housing of last resort: her Jeep.

“In this city, I found trees that would cover me, that would protect me, so that I could be close to my doctor.” The social worker at her doctor’s office actually first referred her to CEF.  

Chinita describes using a fan plugged into her car lighter as her source of cooling down in 100 degree summer weather. She describes meeting the “golden warriors” of the Meals on Wheels team that delivered her daily meal to her in a parking lot. And she describes coming to CEF each week during the two months of her homelessness to find the resources to move back into a safe home.

About her work with CEF Advocates, Chinita shares “Every element that I’ve needed them to assist me – glasses, legal services, housing, food…I think they look at the whole person, and their whole needs, and if they don’t have an answer, they have a wealth of resources.”

“When you go to other services you feel like you’re given a band-aid. But the difference is with CEF it’s more of a healing process.”

For Chinita, this meant staying connected to CEF while finding an apartment she could afford, and eventually signing a lease with a senior housing community where she can sustain her housing for the long-term.

“I appreciate you being here at my lowest point, but I’m more appreciative of helping me find the resources that I can hold my head up again, and hope again. I don’t think there’s anything more grateful than feeling like you’ve got someone’s hand that’s holding you through the storm, and that’s what CEF has been for me… They have been the anchor in my life.”

To listen to Chinita speak is to listen to the voice of a poet, whose first love and first refuge was found in words – the world of words a place of connection and relief ever since she was a young girl. To listen to Chinita speak is to hear the “caged bird” sing, to quote a sentiment she references often, as you hear in her lyricism and in her powerful voice the influences of Dr. Maya Angelou (or “Mother Maya,” as Chinita lovingly calls her).

And Chinita is sharing the gifts of her inspirational speaking and her love of stories with the CEF community. Chinita now volunteers to lead CEF’s new member orientation sessions every week, to help others gain the financial stability she has found and to be the first person to welcome people into the community she loves. She shares, that for her, “The faith is restored, the hope is restored, the homes are obtained, the jobs are obtained, the glasses are obtained. I feel better about me. About life. I feel so great about it that I want to tell everybody about it. And I enjoy being orientation coordinator working with our new members in orientation, because they get to see Chinita over and over again. And I get to see individuals who come and they look like there’s no hope, but I get to tell them that there is.”

Chinita encourages you to join her in supporting and being a part of CEF. “When you can be with an organization that pulls out dreams that you’ve never even considered, that’s priceless.”

“It’s tax deductible, but it’s priceless too. I think that all of our givers should know that giving to CEF is not just putting band-aids… I want to say my spine and my neck is up higher, and I feel more confident and my faith is restored, and not only can I make it, but I can be a hand for someone else.”

This holiday CEF is sharing stories about how, as CEF Member David says, “CEF sticks with the person.” Follow us on Facebook, Twitter, and Instagram to see more stories of how #CEFstickstogether

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Paige is a Homebuyer

By on 10/11/17 in Durham, Highlight, Housing, Member Story, Savings, Story

CEF matched savings accounts support Members in reaching goals all along the continuum from homelessness to homeownership! We launched a new program in 2016 to support first-time homebuyers with Reinvestment Partners and the Duke Homebuyers Club.

Paige was one of the first 5 CEF Members to successfully purchase their own home! Paige worked incredibly hard and with amazing focus to reach her goal in just ten months. In addition to her full-time job at Duke, she worked extra jobs in order to stay on track with her financial goals. She participated in CEF’s Financial Coaching program and was able to pay off debts and improve her credit score, qualifying her for an affordable mortgage. Meanwhile, she successfully saved for her down payment and closing costs, receiving a dollar-for-dollar match from CEF!

Paige is proud to be a homeowner. Some of the best parts? Her mortgage payment is actually cheaper than her rent payments were, and she is building an asset for the long term!

This story about Paige was featured in CEF’s 2016 Annual Report!

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Antonio

By on 8/15/17 in Annual Report Story, Chapel Hill, Highlight, Housing, Member Story, Savings, Story

Antonio tells a story like no other, weaving in about four other stories on the way to telling the one he started with. The son of a teacher and a veteran, he loves history and has a passion for helping his community.

Antonio came to Chapel Hill after losing his job in Kinston. He moved into the IFC shelter and quickly connected with CEF through two other residents. A chronic health condition prevents him from working full-time, so Antonio’s Advocates helped him navigate the application for disability benefits while also supporting his search for part-time employment.

His benefit application was approved! Next, Advocates connected him with Caramore, a supportive employment and housing program where he now works and lives. “Y’all helped me to save money. Y’all helped me acquire affordable living.”

Antonio loves music and grew up playing by ear on his aunt’s antique piano. He was one of the first to join the CEF Advocacy Choir, sharing, “I think being a part of CEF is a way of showing that you want to make a difference in your community.”

This story about Antonio was featured in CEF’s 2016 Annual Report!

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Earl

By on 7/13/17 in Chapel Hill, General, Highlight, Member Advocate Story, Member Story, Savings, Story

Growing up and Getting Started

No Matter What. That is what the bracelet on Earl’s wrist reads.  Earl has been sober for 15 months and counting but his memories are fresh from when that was not the case. Earl has been meeting with his Advocate Steven in the Chapel Hill office, pursuing savings and securing employment alongside a 12-step recovery program.

Born in Charleston, South Carolina, Earl grew up in a large family. “My mother and father had 12 kids, my father was a hardworking man… I’ve seen a lot of things in a young stage that’ve helped me become the person I am today…There was a lot of love,” shares Earl, but “I grew up in an unstable home.” Earl recalls how certain things shaped his relationship with finances. “Where I’m from it wasn’t just about savings, it was about trying to survive… my father never had a bank account, never wrote checks so my mother didn’t either.

When Earl first came to CEF in March of 2016, he was skeptical. “You know, I wasn’t sure about what, you know, I could get from CEF. But I found a lot of students from UNC—they really care about the community. They volunteer their work. I know that when people volunteer their work, they’re here for a purpose… I remember my first day at orientation, it started right then and there. There was so much that they offered me to do. They put the guidelines for what I can and can’t do but it was up to me as an individual to follow those guidelines. It was like being in school, if you don’t do the assignment, what’s the good of being in class. “

Finding Work and Financial Stability

At CEF, his consistent Advocate meetings manifested into a successful job search where Earl secured full-time employment at the Carolina Ale House. “The job search it was an experience, most of the jobs I had were daily paid labor. I understood I didn’t want that type of job anymore”.  Although the restaurant recently closed, he feels more prepared now for the job search than he did before. “We’re not finished yet. We’re looking for a job. But now I know how to approach it. He’s (Steven’s) already setting the guidelines for me, he’s already helping me prepare for tomorrow… That’s what I learned from CEF. Preparing myself for the future.”

Earl also spends his meetings with Steven working on finances, which includes disputing debts and created payment and budget plans. By making consistent savings deposits, Earl has saved just shy of $4,000. “I came by Tuesday and put $500 in my savings because I know it’s the right thing to do. I love the idea, I really do, of having a savings account.” Earl also opened a bank account at Coastal Federal Credit Union to build even more savings and have access to a checking account! “Now, I go to a bank and they know my name. ‘Hey Earl, how you doing Earl?’  Even when I’m not there to cash a check I still go in there, talk my banker, talk about ball, talk about how my life is going.” Earl told us that his banker even offered to be a reference for prospective employers, “she sees something in me that I didn’t see when I first started to open my bank account.”

It’s About Relationships and Family

Earl is paired with Steven but that does not stop him from building connections with other CEF Advocates. “I gave a couple of advocates some names like ‘Sarah Salad,’ ‘Sarah Hotdog,’ ‘Chocolate Ice Cream’, you know, because that’s the kind of bond I built with them.”

Earl with CEF Advocates at the Financial Independence Day celebration

Earl only has words of praise for Steven. “It’s all about the relationship that I built with Steven has helped me focus on things in life that I know I am able to achieve…he always has great things to share with me. He always gives me that positive motivation.” More than anything, Earl believes the key to success is partnership. “I don’t want a handout. Just give me a hand… Show me, guide me, pull me along the way.  Just give me that, “you can do it.” That is the hand I need.”

So what exactly is Earl saving for? Family. “I have 3 sons, 3 grandsons and we have never all been together at one time…We’ve never been together. Every day I get a little older. We’ll get together and play a game of basketball…That’s one of the reasons I’m trying to save some money too. One day man, one father’s day man, there’ll be that love, that unity.”

Earl and his Advocate Steven in the Chapel Hill office

 

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Annual Report 2016 : Transformative Community

By on 6/19/17 in Advocate Story, Annual Reports, Chapel Hill, Durham, Highlight, Member Advocate Story, Member Story, Partner Story, Program Story, Research + Publications, Savings, Story
Download Here

“We share these stories, and are reminded just how profound it is to be a part CEF. We share them with gratitude for the whole wide CEF family—Members, Advocates, supporters, and friends. Thank you for reading, writing, and living this story with us!”

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CEF’s TED Talk: Homeless, and Outsaving Half of the United States

By on 5/8/17 in Advocate Story, CEF Advocacy Choir, Events, Highlight, In the News, Member Story, Program Story, Research + Publications, Savings, Story, Videos

Presented at the 2017 TEDxUNC event at Memorial Hall: CEF’s Co-Founders / Co-Directors sharing the transformative story of a group of college students and shelter residents who built a community organization and financial tools that support sustained transitions out of homelessness. The CEF Advocacy Choir sings to close out the talk, with an original song about the joy of finding a home after experiencing homelessness.

photographs by TEDxUNC

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Using Behavioral Economics to Explore the Transition to Housing

By on 4/22/17 in Events, Highlight, In the News, Program Story, Savings, Story

Thank you to the over 70 participants from partner agencies that attended the workshop CEF co-hosted with the Common Cents Lab focused on “Using Behavioral Economics to Explore the Transition to Housing.”

Together, we brainstormed about how behavioral economics might help nonprofits think creatively about building better programs and smarter solutions to support individuals moving out of homelessness. The incredible team at the Common Cents Lab shared an introduction to the principles of behavioral economics, and led the group through an interactive workshop to put those principles into action for better program design.

Behavioral economics is “the study of how people really make choices–not in a simplified economic model, but in the textured and rich reality of daily life, and draws on insight from both psychology and economics” (CFED).

CEF is working with the Common Cent Labs this year to apply these learnings to our partnerships with shelters to promote increased engagement with CEF’s matched savings accounts in a way that supports Members in achieving short-term savings goals and builds longer-term saving habits. Through our last joint project with the team, we implemented a new way for Members to track progress towards their savings goals through a punchcard and tested its efficacy through a randomized control trial. Every time Members in the trial group made a deposit, they received a punch, and received gold tokens and new levels of punchcards after each card was filled. An article is soon to be published by the research documenting the promising results of this study… Just for a preview: “Members who received the punchcard to track their deposits completed 30% more of their goal than members who were in the control condition” (Guzman and Tepper, full article to be published late spring 2017).

Indiana received the very first punch on a CEF Savings Card! This piggy- themed punch card developed with Common Cents Lab, tracks each deposit and captures progress towards her goals!

We are excited to continue learning throughout this year with the team at the Common Cents Lab! Since the workshop, partners have shared that they are still really thinking about how behavioral economic analysis such as “tunneling” or “friction costs” can be addressed in their own work. Building on the incredible momentum of bringing 70 of our partners into the room together to explore these concepts, we got feedback from participants on where to go from here in our collaborative learning, and will be exploring other topics in the months to come — such as “Manage Cash Flow after Housing Transitions,” and “Overcome Barriers to Banking.“

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