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Meet a CEF Saver: Robert

Robert will be moving out of the men’s shelter this month. While living in the shelter, he has been saving with CEF towards a security deposit for his new apartment and deposits for utilities. He is disabled and on a fixed income, and has taken the knowledge he gained from our financial education classes to find an affordable apartment that will allow him to continue to save for his future goals.

After he moves, Robert will be continuing to come to our weekly classes to stay connected to the support, resources, and community of the group. Robert has been homeless once before in his life, and when he talks about this move he says excitedly that he “is going to do it right this time. Make plans, keep saving, stay connected.” He is committed to saving monthly towards an emergency fund to make sure that life’s future obstacles don’t bring him back to the shelter.

Robert will be one of 10 pilot members in CEF’s Renter’s Savings Program. The program provides Savers like Robert the opportunity and incentive to save towards an emergency fund, matching savings up to $2,000 with a 50% matching contribution… resulting in an emergency fund of $3,000. Robert is also excited about the opportunities available through this new program to improve his credit score. He dreams of owning his own business and his own home, and knows this is the stepping-stone to those goals.

Help CEF launch this new program. Sponsor a Saver to donate the 50% matching contribution, directly matching the savings deposits of members like Robert.

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“Thank you for believing in me.”

We got a really wonderfully nice voicemail from one of our members, and wanted to share!

Hello! I was just calling because I wanted to let you know that I got a job. I had an interview last Friday, and I start today, which is Monday.

I’m excited and scared at the same time. I’m hoping that everything will work out okay. I want to thank you so much for encouraging me and guiding me and believing in me. It means a lot to me.

I know some people think stuff like that doesn’t matter, but it matters so much to me because I know there are certain places I can’t get to in life without other people supporting or helping me. And I have never let anybody support or help me, I never did, and now I see that it’s okay to accept other people’s help or support in order to get where I’m going in life.

I’m glad, and appreciate all of your love and support, and know I couldn’t have done it without you, I know I couldn’t.

But I still want to come up to CEF! I want to save my money, I have to save my money. I have two savings goals by the end of December so I’ll still come up there and I need someone to help me with my money like we discussed, so I’ll still be coming!

Love you!

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Featured Partner: HOPE Gardens

HOPE Gardens is a student-run community garden and urban farm in Chapel Hill, and has long been host to community potlucks and celebrations with CEF members. Their community garden workdays every Saturday have been a great way for CEF members to get active and grow their own veggies.

HOPE Gardens is launching a new program that will ensure CEF graduates who have moved into their own apartments have access to fresh, healthy produce. For a sliding scale subscription payment, HOPE Gardens will deliver a box of fresh produce from the garden directly to the doors of CEF graduates. Low-cost access to fruits and vegetables make a big difference for CEF graduates, many of whom suffer from diabetes and high blood pressure and yet struggle to afford the food best for their long-term health.

CEF and HOPE Gardens are both projects of the UNC Campus Y committee HOPE (Homeless Outreach Poverty Eradication), and have been closely connected to each other since we both were started in 2009. From CEF’s perspective, this new program at HOPE Gardens is a huge step towards making sure CEF graduates stay connected to resources and can sustain their transitions out of homelessness.

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Featured Program: Renter’s Savings IDA Program

 

Along with housing comes a new set of bills, emergencies, and unexpected “when life just happen” expenses. With utility bills and rent taking up such a large portion of income, it can be difficult for renters to save. Even after saving, unexpected emergencies make it hard to hold on to that money. The Renter’s Savings IDA is meant to serve as an “Emergency Fund”—money set aside for financial security and peace of mind, and for use only in the case of an emergency.

The new program will be piloted with ten members currently in housing and ready to save for the long-term. While similar in set-up to our current Safe Savings Accounts, this program will last at least 2.5 years, be matched at 50% (up to $1,000 in matching funds) and participants may draw on the 50% match when the emergency occurs, meaning one emergency won’t wipe out all their hard-earned savings.

Participants in the Renter’s Savings IDA program have a number of requirements including being graduates from Opportunity Class, CEF’s financial literacy course. In addition, all participants will make at least three consecutive deposits to be eligible for the match, and help lead the CEF Alumni Leaders group, meeting monthly to discuss new goals like home or car ownership, building credit, career pathways, civic involvement, and organizing other CEF alumni events.

We are so excited for this new program that will provide CEF members the tools to save more at the next level to have more control over their finances and live more financially peaceful and stable lives. This additional rung on the financial ladder will enable CEF members who have successfully transitioned into housing to maintain that transition for years to come.

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Member Story: Amanda Signs a Lease

“He had sneaky eyes,” laughs Amanda. Jon, now used to Amanda’s jabs, chuckles along as we all share breakfast in her newly moved into home. “I didn’t trust anyone at all back then.”

Jon, along with his friend Audrey, have been working with Amanda as advocates for about a year at the Community Empowerment Fund (CEF), a local non-profit dedicated to helping people transition out of poverty and homelessness. Amanda first came into contact with CEF a couple of years ago and has been a constant presence ever since, at one point organizing a student-homeless “switch day” event. For the last ten years Amanda has been homeless, spending her two most recent years in a tent in Carrboro.

For the first year or so the trio had their fair share of ups and downs. Their trust problems weren’t resolved until their first fight, remembers Amanda, when Jon stood up to her and fought back. Ironically, it took Jon refusing to back down for him to gain her trust. Over the next year, the group would work on anything from obtaining food stamps to applying for jobs and acquiring a cell phone. Searching for housing was not yet a serious option for Amanda and her advocates, who were still scarred from previous letdowns.

But after the right amount of time, thought, and care Amanda, Audrey, and Jon finally decided to start the long process towards applying for housing. The next month or so would take them on a maddening journey of paperwork and applications, summoning multiple organizations in her quest for a home. Hearing her run down the list of names and groups that helped her brings mind to images of a stringed quartet, which requires every player to be in perfect harmony with the others in order for the music to work. Remembering all the people that had a hand in her success, Amanda takes a deep breath and begins running down her list of shout-outs, fondly recalling Mike from Housing for New Hope, Pamela from CASA, Bebe her social worker, Dr. Schietman, Spencer from OPC, and the 100,000 Homes Campaign, which interviewed the local homeless population to catalogue the community’s immediate needs.

But even with a small army of committed volunteers, the march toward housing was at times frustrating. The amount of paperwork was occasionally maddening. Amanda, never lacking dramatic flair, groans that she felt like she would “drown in paperwork” as another application would seem to appear every time they thought they were nearing the end. The process, Jon reflects, was great but representative of how difficult it is to access community and government resources. It would be “pretty impossible” for any individual to do this on his or her own. The stress of searching and applying for housing added to the everyday struggles of homelessness would be enough to make anyone crack.

And Amanda almost might have done just that, if CEF hadn’t “kept on top of me” and continued to challenge and push her, reminding me of Amanda and Jon’s first trust building fight. Amanda had to fight back past demons, with the threat of possible failure almost driving her crazy. She was always “waiting on the big joke,” for everything to fall apart and go back to her tent in Carrboro.

But the joke never came. Instead, on one early summer afternoon, Amanda was signing the lease for her new home. Finally, she had her own place and her everyday life became “less about survival and more about living.” Having a home was an adjustment at first though. To solve the problem, Amanda decided to throw a slumber party and invite her team of volunteers to celebrate with dinner and a movie at her new home.

The celebration capped off a long process that was full of hope and fear, dreams and doubts. “For anybody that’s having to go through this, just be patient” Amanda declares. “Where do you see your future going,” I ask Amanda as we finish breakfast in her living room.  After telling of her dreams of going back to college and starting a rescue home for cats, she adds one final caveat: “well that’s the good thing about being Amanda, I don’t know. We just have to sit and catch the ride. And hang on for dear life, cause it is going to be rocky.” For Jon, Audrey, and Amanda, the past year has been just that. But whatever the future holds, Amanda knows that CEF will be by her side, and now she can “trust enough to accept help.”

Maybe Jon’s eyes aren’t that sneaky after all.

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Gratefulness, Vulnerability and Community

By Peter Woo, Lend for America Intern

On Saturday, July 7, CEF celebrated its second annual Financial Independence Day by throwing a cookout party at HOPE Gardens. Though human flesh seemed to cook faster than the chicken (the grill was very small), CEF staff, volunteers, and members both veteran and new kept the spirit high with each other’s company. But it was a hot day, and the flow of the food supply was somewhat tight. Two of our members—Dennis and Ronald who had experience working for restaurants—and Mike—our former member, current Opportunity Class teacher and a former owner of a restaurant—were hard at work manning the grill and getting grilled.

Grilling out for Financial Independence Day

When I grabbed my share of some potato salad and beans, I sheepishly asked Ronald to make sure to grab a plate himself.

“Nah, I’m good. I’ll wait until I see that there’s enough food for everyone.”

I felt many things all at once when I heard his reply: surprise, shame, admiration, gratefulness. For the moment, however, I felt that it would be best for Ronald if I magnified my feeling of gratefulness, though I was mostly ashamed. Ronald was doing something that is incredibly hard for people to do; he was going through a lot of discomfort for the benefit of others. A proper response would be to accept that thankfully and take a positive challenge to heart.

The second leg of CEF’s dual mission is to incubate genuine leadership within students. And it’s such a great nursery for that kind of growth because students are forced to greet some form of discomfort every day. For me, at least, doing my best to face and embrace discomfort every day forced me to see a lot of ugliness in me which in turn made me vulnerable. And I find that mutual vulnerability through discomfort is critical for an authentic community that softly assigns both parties, me and my clients, into a place of sameness.

Chilling

As CEF currently goes through a process of growth, there seem to be some discomfort. Obviously, needless discomfort is a function of inefficiency, but I’m confident that CEF will grow into the kind of discomfort that promotes thoughtful self evaluation and community building vulnerability. It’s definitely not going to become an organization that grows comfortable.

“Very truly I tell you, unless a kernel of wheat falls to the ground and dies, it remains only a single seed. But if it dies, it produces many seeds.” John 12:24

Peter is a rising junior at the University of Notre Dame, and is interning with the Community Empowerment Fund through a national internship program called “Lend for America.” He has jumped right in and gotten involved in all levels of CEF’s programming this summer to learn about how we work and hopefully take some great lessons back to his home campus in Indiana, where he is starting a campus-based MFI called “JIFFI.”  

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Friends on Franklin St.

By Kemper Ramsey

I have been working with CEF since the beginning of my freshman year at Carolina. For so many students, that first semester is a turbulent time – finding new friends, understanding a new town and a whole new group of people, and being pushed out of their comfort zone for the first time in a while. When I found CEF and started spending time with our members and advocates, I knew that I had found an amazing community of people.

Spending time in the office not only teaches how to navigate job searching sites, government programs, and credit reports, but also the most important business of providing support to CEF’s members as a friend and ally. I remember walking out of the office that first week I came in and feeling positively uplifted by the stories I had heard and the people I had met. I know I came into CEF thinking I would help people and educate people on their finances or how to build a resume, but I was unprepared for the genuine friendships and care that would come along the way.

So while CEF has helped so many in the Chapel Hill community to get jobs, become financially literate, and save toward their goals, the most incredible aspect for me has been the relationships I have built and the friends I get to see walking down Franklin street or coming into the office every week.

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"Removed from one's comfort zone"

This summer, you’ll hear from a different member of the CEF summer staff every week! We’ll be collectively writing reflections on the day-to-day work with our members, office happenings, and lessons we’re learning.

Our first post comes from Lucas Hernandez — Lucas is a Lend for America intern with CEF this summer, and is joining us from Rollins College in Florida! We are so grateful to have him as a part of the team this summer.

By Lucas Hernandez

Being removed from one’s comfort zone is always an adventure.

This summer, being a part of the Community Empowerment Fund (CEF) family is living proof of this creed.

My name is Lucas Hernandez, a rising senior at Rollins College in Winter Park, Florida. I have the pleasure of spending my summer here in beautiful Chapel Hill thanks to the Aspen Institute and their Lend for America program, which looks to help college students pursue careers with a conscience. Along with the Community Empowerment Fund, university students are given the opportunity to work at the Capital Good Fund and the Intersect Fund.

Although I have spent only one week at CEF, I have gained a lifetime’s worth of experience and laughs. Viewing the videos on the website and reading stories about the organization prior to arriving at Chapel Hill I knew there was something difference about CEF. Many said it was about relationships and a sense of family. Having heard similar credos from other nonprofit groups in the past I took these viewpoints with a grain of salt. However, upon arriving at my first day in the office on Franklin Street I absolutely believed it. The energy, the passion and the dedication demonstrated on a minute-by-minute basis by both members and advocates is awe-inspiring. The individual attention and the connections that are developed clearly works beyond helping members find jobs or open savings accounts, it creates a sense of worth and empowers everyone involved.

Personally, I have helped members work through job applications, apply to social services and even finding affordable rates on taxicabs. As I work through these issues with members I realize how much I have taken my life blessings for granted. I knew there were issues in this world and there is no shortage of struggle or strife, but to view these struggles first hand is powerful. What is more powerful, however, is feeling so connected in friendship with CEF members so as to look beyond these struggles and solely see their wonderfully inspiring personalities.

I look forward to helping fulfill CEF’s mission of empowering community members and filling gaps in Chapel Hill. I particularly look forward to using my skills to help develop the newly launched CEF Latin@ business services. Until that point, I look forward to spending the rest of my day with friends and learning, even more so, the power of individuals coming together to simply just be with one another.

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Featured Partner: Housing for New Hope

Founded in 1992, Housing for New Hope serves individuals experiencing and at risk of experiencing homelessness in Orange and Durham Counties. In Durham, HNH is one of CEF’s founding partners, helping CEF volunteers conduct Opportunity Classes that serve residents of the Dove and Phoenix recovery houses and Williams Square Apartments.

Jessie Hughes, the Transitional Housing Coordinator at HNH, recently provided CEF with a stellar letter of support for one of our upcoming grant applications. Her words were incredibly kind and we wanted to take a second to thank her and Housing for New Hope for their immense support, and to share some of their sentiments with you all here. Thanks so much Jessie!

From Jessie’s letter:

“What I know is this: CEF is real, they really mean it, they are the genuine article. I have seen CEF representatives treat homeless, drug-addicted, unemployed citizens with the same dignity and respect reserved for public officials. I have watched as they tailored their program to the needs of those they served without hesitation. I h ave witnessed them express authentic joy when sharing a success with one of their clients…”

“I have been a part of many partnerships in my career. My partnership with CEF is the partnership I am most proud of. They are truly unique in their flexibility and willingness to serve. CEF leaves things better than they found them. That is the essence of their work. No job it too big or too small, no project beyond hope.”

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Four Job Offers In Two Weeks!

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Jackie came in to the CEF offices two weeks ago having lost his only job, and with five kids and a wife to provide for. As of yesterday—he had received four job offers, and started work on two of them! He’s been such an inspiration to all CEF Members and Advocates as to what can happen when you really put your best foot forward every day. Thanks Jackie. Congratulations!

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CEF: Community Empowerment Fund

Chapel Hill: 919-200-0233 Durham: 919-797-9233

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