2023 was a year of change. Our country was trying to move on from, and even forget, COVID, while many in our community were and are still dealing with its impacts. Our members were their creative, resourceful, and whole selves while navigating an ever-changing world.
We, as an organization, tried to help with that navigation by using American Rescue Plan funds, granted to us by the City of Durham and the Oak Foundation, to help Members clear some of the housing debt that they acquired due to COVID.
This money helped our Members stay in their homes or clear debt to move somewhere more affordable and also highlighted the need for longer-term stability. We also hired an advocacy manager to design a plan of where our advocacy should and could go, including the start of tenant unions.
This will put power back in the hands of the people most affected by the issues of housing and financial instability. We also worked towards closing the racial wealth gap through our First Time Homebuyers program, in which our Members’ savings were matched by Metlife for Durham and Town of Chapel Hill for Chapel Hill and put towards a first home.
We believe in a pathway from being unhoused to homeownership and want to support that through providing information, gathering documents, and providing funds for down payments. We are looking forward to supporting our CEF community in 2024.
The Community Empowerment Fund (CEF) is excited to announce that, as part of our organization’s 5-year strategic plan, we now offer 20% matches on savings goals for Members enrolled in our Safe Savings Account Program! CEF’s Safe Savings Account Program helps Members save for personal goals, such as school fees, security deposits, or emergencies.
Poor and working-class individuals who lack access to traditional banks often face exploitation by predatory lenders and unfair banking practices, like payday/pawn shop loans, check cashing services and high-interest credit cards. These alternative banking institutions frequently trap vulnerable community members in a cycle of debt and poverty.
When Members engage with CEF’s Safe Saving Program, they open Individual Development Accounts (IDA), which require no minimum balance, have no fees, and do not impact debt or credit history. No ID or proof of citizenship is necessary to open an account; however, a state-issued ID is required to cash checks. CEF can also write checks directly to vendors if needed.
To receive their 20% match, Members participate in eight 2:1 financial coaching sessions with CEF Advocates. We tailor these coaching classes to Members needs, aiming to boost their confidence in managing finances and ultimately empowering them to achieve financial freedom. Coupling savings goals and financial education with the IDA has proven effective in increasing short-term savings and long-term economic stability for working-class people across the country since the 1990s.
Don’t miss out on this chance to transform your financial future. Sign up today for CEF’s Safe Savings Account Program and start on the path to financial freedom with the support you deserve!
CEF Executive Director Donna Carrington commented on the petition regarding the Enforcement of Quality-of-Life Laws in the Community during the Town of Chapel Hill Town Council meeting on Wednesday, September 11, 2024. In reflection, she shared, “It was crucial for me to speak because I understand the implications such petitions have on our community. Our unhoused individuals are often arrested for ‘quality of life violations,’ and it feels like our community is a place wanting to get rid of people instead of being solution-minded.”
Donna expressed concern over the increasing criminalization of homelessness. “I think it’s essential to address this issue openly,” she noted, acknowledging that her discomfort with public speaking only underscores the importance of the topic. “When I speak, I hope people understand the significance of what we’re facing. I knew that if I spoke, people would recognize its importance because I don’t like public speaking, and for me to do it, it has to be an important issue.”
Join us August 27th! Everyone’s different voices are uniting for one cause: freedom and liberation. The CEF Freedom Liberation Ensemble is coming back stronger than ever, ready to advocate for fixed-income, low-income, and no-income populations.
By bringing the community together to sing justice-oriented versions of popular songs, we will be demanding that people in power hear the voice of the community.
This first rehearsal, open to all, includes CEF’s iconic version of “I Smile” arranged by founder Yvette Matthews.
In line with our mission to end the #racialwealthgap, we created our First-Time Homebuyers Program (FHP) to support CEF Members in Orange and Durham counties as they build wealth and stability through home-ownership.
We believe our Members making under 50% AMI should have a fair shot at building generational wealth. We also want to set our Members up for success. Because of external income and stability requirements by mortgage lenders and affordable homeownership organizations, within a process that has been shaped and gatekept by racialized capitalism, not every CEF Member who applies to our program will be accepted.
This has been a hard decision for CEF to make. We urgently implore local, state, and federal bodies to make radical strides toward removing any and all barriers to deeply affordable home-ownership for very low and fixed-income community members.
Until then, CEF aims to empower eligible Members with knowledge and tools they need to buy their first home.
Financial assistance with downpayment and closing costs
Thanks to @chapelhillgov and Metlife Insurance, Upon completion of our FHP, CEF Members are eligible for 2:1 savings match in Chapel Hill, and a 3:1 savings match in Durham County, up to $2,000. So, Members buying a home in the Town of Chapel Hill can have up to $6,000 to put toward down-payment and closing costs, and Members buying in Durham can have up to $8,000.
We are grateful to our funders for working to alleviate one of the biggest barriers to homeownership: the upfront costs associated with buying a home.
Want more information? Check out our screening and interest form, linked at: tinyurl.com/FHP2024
Meet Chloe Wells, Advocate Program Coordinator (CH)
Chloe Wells, Advocate Program Coordinator (CH)
Your Role: In your own words, how would you describe the work you do at the CEF and why is it important?
At CEF, I hold the role of the ‘Advocate Program Coordinator’ (APC). This title generously encapsulates my responsibilities of coordinating, supervising, and providing support to our volunteer Advocates in their impactful endeavors.
Your Background: What experiences, strengths, and skills do you bring to this work at CEF?
I bring a wealth of experiences to my role, ranging from my time as a ‘front office lady’ at a high school to my roles as a Teacher’s Assistant, Peer DEI Educator, Resident Advisor, and Co-Editor in Chief of an undergraduate literary magazine. I have acquired valuable skills and strengths through these diverse experiences, shaping my unique perspective and approach.
Connecting to CEF: What led you to working with CEF generally, and also to this particular role?
As a member of the undergraduate class of 2020, the Pandemic tossed aside my plans, along with those of many peers, for post-graduate-real-adult life. Nevertheless, I firmly believe that everything happens for a reason, and I strive to embrace the notion that I am where I am meant to be at any given moment. Upon deciding to leave my previous role and relocate to the area with my partner, currently enrolled as a Graduate Student at UNC Chapel Hill, I was determined to find a path that allowed me to make a tangible impact on my community. Drawing from my academic passions as a student, I sought to apply them in a real-world setting. My aspiration was to join an organization that fostered creativity, embraced my love for learning, and promoted genuine relationship building, community engagement, and anti-racism at every level. I believe I have found the perfect fit!
Energy: When you think about your work in this role at CEF (and/or in general at CEF) where do you find energy and renewal?
When I reflect on my work in this role at CEF, I draw energy and renewal from our person-centered approach. Our primary focus is on the individual, regardless of who they are or what they bring to the table. This person-centered ethos resonates deeply with me, especially in my interactions with Members and Advocates. I derive immense joy from connecting with our Advocate community, where we have a supportive space to lean on, learn from, and celebrate each other’s successes. Together, we navigate challenging days, uplift each other through laughter and continuous curiosity, and collaboratively devise solutions. Being part of a community where we can openly address our needs, capacity, and well-being fills me with pride, energy, and profound gratitude.
Challenge: When you think about your work in this role at CEF (and/or in general at CEF) where do you find challenges and how do you seek to find the best way forward?
In all honesty, navigating anti-racist, justice-focused community work within the confines of oppressive systems like white supremacy culture presents a myriad of challenges. It’s hardly surprising, considering the extensive lists of obstacles we encounter daily within our CEF community. Thus, I find that the most daunting aspect of my role at times is simply ensuring that everyone feels empowered to engage with the supportive community that CEF has fostered. This involves ensuring that individuals feel capable of supporting others whose experiences may differ from their own, feeling supported enough to actively participate both mentally and physically, and ensuring that each Advocate feels valued and acknowledged. It’s about ensuring that they are equipped to advocate for themselves as well. To all Advocates reading this, know that you are deeply appreciated!
Etc: Is there anything else you’d like to share?
Outside of my role as APC, I thoroughly enjoy spending quality time with my partner, whether it’s at home or exploring new places. I’m currently immersed in creating Spotify playlists, particularly delving into the new-wave funk and disco movements. Exploring culinary delights at new restaurants, discovering hiking trails both nearby and across the state, and preparing meals for my loved ones are some of my cherished activities. I find solace in browsing through local bookstores, especially in search of the latest horror releases and cryptic creature-features. I strongly advocate for the importance of outdoor play and seize any opportunity to indulge myself. Although I appreciate thoughtful cuisine, if I had to pick a favorite food, it would undoubtedly be french fries. Or perhaps ice cream. When I’m up for it, I love attending drag shows, hitting the dance floor with friends, and engaging in spirited competition at local trivia nights!
Sophia Thayer, Member Services Coordinator (Durham)
Your Role: In your own words, how would you describe the work you do at the CEF and why is it important?
As the Member Services Coordinator for the Durham office, I work alongside Members and external community partners and service providers, as well as Advocates and staff, to research, develop, and implement relevant resources for Members. Most of the resources center on access to housing, and other crucial elements folks need to thrive. I also help lead New Member Orientation and our food pantry.
Your Background: What experiences, strengths, and skills do you bring to this work at CEF?
My background is in case management, resource navigation, youth development, and food justice. Beyond this background, I try to be as authentic as possible and meet people where they’re coming from. I strive to always be learning and challenge myself to consistently check how my biases affect my perception of experiences and events. Overall, I believe I am an approachable and personable individual hoping to form long term relationships.
Connecting to CEF: What led you to working with CEF generally, and also to this particular role?
CEF’s commitment to justice and equity is what initially drew me to the organization. CEF’s belief that everyone is creative, resourceful, and whole resonates with me and is the basis of the Member-driven work we all do together. In my role as MSC, I attempt to provide a starting point for Members and Advocates to connect. Witnessing and taking part in human connection is a joy that CEF provides and values.
Energy: When you think about your work in this role at CEF (and/or in general at CEF) where do you find energy and renewal?
At CEF, I find energy in relationships – deep conversations about experiences and stressors, celebrations when someone reaches their goal, and connections over a shared favorite. Outside of CEF, I find energy in very similar ways by spending time with loved ones.
Challenge: When you think about your work in this role at CEF (and/or in general at CEF) where do you find challenges and how do you seek to find the best way forward?
CEF and our Members, Advocates, and staff still live and function within systems that are set up for some people to fail and some to thrive. Systemic racism and capitalism are massive opponents. Sometimes, no matter how much work we put in, we cannot solve a problem. I think the way we move forward is first recognizing that the CEF model of long-term community is radical in itself. Secondly, we can utilize this community power to break down systemic barriers as best we can.
In partnership with consultants Jaclyn Gilstrap and Hope Tyson from A Visual Approach, CEF’s strategic plan is presented using an adaptation of an “Objectives and Key Results (OKR) Framework.”
At the highest level of the strategic plan, the Big Goal and Key Contribution articulates CEF’s vision of community and its mission. These components are the guiding light of the strategic plan and connect the various areas of CEF’s work to the organization’s mission and its greater purpose in the community. In addition to the Big Goal (CEF’s Vision Statement), the survey data showed that Staff, Members, Volunteers, Board, and Community Leaders across the board saw an essential part of CEF’s efforts to be centered around Building Joyful Community. It was mentioned so often that it has risen to the level of the Big Goal. It is a complement to and expansion of the Big Goal, a doubling down and a re-commitment to this essential component of the organization’s character and culture.
Big Goal:Ending the Racial Wealth Gap, Empowering Community
Key Contribution (CEF’s Mission):Cultivate opportunities, assets, and communities that support the alleviation of homelessness and poverty
In order to achieve the Key Contribution, CEF believes that it must work towards all of the Objectives outlined in the strategic plan. The Objectives are significant and concrete, and there is a word attached to each that explains not only what the goal is but how it should be achieved (responsive, strong, adaptable, impactful, growth). As a whole, the Objectives make up the key areas of CEF’s work. The relationship between them is illustrated by the visual framework (FIG 1).
As we move forward in the direction of 2025, our organization is sure to experience many shifts and changes. This document is meant to help us navigate those changes, assisting us during times when decision-making feels hard and priorities are overwhelming. We thank each and every voice that contributed to this collective vision for CEF.
Sydney Pender, Durham Office & Community Organizer
Your Role: In your own words, how would you describe the work you do at CEF and why is it important?
As Office & Community Organizer in Durham, my role is largely providing stability to the office to ensure everything runs smoothly on a day-to-day basis. Another large responsibility is the community advocacy portion, which provides CEF Members with opportunities to lead initiatives surrounding the issues most important to them such as affordable housing, fair consideration for employment, and building multigenerational wealth.
Your Background: What experiences, strengths, and skills do you bring to work at CEF?
I am a young, Black woman trying to make it in this world and I have a testimony in some ways very similar to the Members we serve at CEF. Being in my position, serving folks that look like me and have some of my same struggles, is a very humbling experience that brings both joy and sorrow. There is power in representation and relatability, that strengthens my ability to reach more than a person’s individual mind, but more importantly their hearts. The work I strive to do is done very personally and with great intention.
Connecting to CEF: What led you to work with CEF generally, and also in this particular role?
More generally, I began volunteering with CEF in search of a community. I moved to Chapel Hill mid-pandemic at the beginning of adulthood as a college student and knew absolutely nobody. I wanted to be in community with other changemakers like myself and CEF allowed me to build a home away from home. In the last two years, I have held the positions of Advocate, full-time summer intern, part-time staff support, and now full-time office & community organizer. The various positions I have held at CEF give me the ability to view our functions and operations from many viewpoints, and deepen my understanding of who we are and what we do.
Energy: Where do you find energy and renewal?
I find energy and renewal by having meaningful conversations with other people about the work I do. I like to talk to people and have heart-to-heart conversations about larger systematic issues that show up every day in the world around us. I find joy in “stirring the pot” and talking about the things that matter but are sometimes considered taboo. I would probably describe my personality as an armchair philosopher.
Challenge: What are the biggest challenges in your work and how do you seek to find the best way forward?
One of the biggest challenges I face in the work I do is seeing the influx of people in need and the lack of resources in the community to support them. There is an overwhelming amount of folks that are not having their basic needs met. It is not easy to ignore or justify because it exists right in front of us, every day. My commitment to the work I do is to at least make a dent in the pool of injustice and continue to advocate for change that will impact those who need it most. Housing is a human right.
Anything Else You Would Like To Add:
Never give up on yourself and pay close attention to the world around you. People may have their doubts and opinions, but the truth can not be silenced… YOU MATTER!
