# data[].attributes.body
Financial Literacy is a missing component in resources for sustainable individual capacity

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Benefits Cliff

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Lack of access to housing

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Economic achievement

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Cultural norms

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Lack of access/ awareness

# data[].attributes.body
Societal norms

# data[].attributes.body
Financial literacy is a missing component in resources for sustainable individual capacity

# data[].attributes.body
ACCESS + COC

Churches

Goodwill

Innovation Academy

Online resources (websites)

Apps

211

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Resources are not taken advantage of

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Assistance received does not translate to a sustainable solution

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Lack of access to supports

# data[].attributes.body
Generational cycles

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Poverty increases

# data[].attributes.body
Individuals are less able to be most efficient/ effective with available resources

# data[].attributes.body
Misspent dollars/ money

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People are unable to purchase necessary resources, like housing

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Lacking financial literacy may effect the home owner idea in community and increase renters, allowing bigger companies to own land for apartments

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People rent for life

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People are unable to keep money

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Educational opportunities

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Mental/ physical health

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Criminal history being a barrier to rent

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Credit history as barrier to renting

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An effect of missing financial literacy is the willingness to take on debt, car notes, loans (payday, etc), payment plans, credit advances, etc

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Higher eviction rates

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Higher Foreclosure rates

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Inability to be easily rehoused

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People start believing they aren't capable and stop trying in a lot of areas of their lives

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Substance use

# data[].attributes.body
Planned obsolescence

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Municipal zones and developmental ideologies

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Not made a priority by funders/ providers

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Bankers do not share power

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Programs that cap income with limits, forcing people to remain in poverty instead of creating transitional amounts for programs

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More immediate needs take priority

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The stability of comfort that does not allow for growth

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Our system for managing life is FAR more complicated than needed

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Direct access to the needed resource

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Scarcity mindset

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Lack of financial literacy education in schools

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Department of Education

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Removal of check and balance finances from general education in K-12

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Family Values

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[Lack of] Personal Responsibility

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Societal taboos

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Over consumption of fast/ easy access items for convenience

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Generational poverty

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Generational trauma + skills

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Generational habits

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School is more focused on meeting standardized testing instead of life skills

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Something about work ethic- understanding of need for, and value of employment

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OHRA

Financial Beginnings

Findhelp.org website offers:

Money Management

international money canvas

Northwest Access Fund

# data[].attributes.body
Consumer Credit Counseling services

Consumer Credit

Realtors

Medford School District

Primerica

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ACCESS

Habitat for Humanity

City Councils

County Commissioners

Advocacy Opportunities

Oregon Legislature

Lenders & Banks

# data[].attributes.body
Options for Southern Oregon

Community Colleges & Community Education

WorkSource Rogue Valley

Libraries

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Credit history suffers, future loans/ credit cards/ accessibility impacted

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Lack of intervention supports for those who may be on track to lose home, assistance, etc

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Retirement planning isn't always reflective/ up to date with current cost of living

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Systems in place aren't always coordinated/ communicating on who is already receiving services, possibly resulting in fewer funds to support others

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Lack of awareness on predatory loan offers/ credit cards, payday loans, etc

# data[].attributes.body
Natural evolution of assistance programs, access may change, funding may run out, how/ when to apply may be different.

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Addressing generational habits through financial literacy education for marginalized populations

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We plan to empower people to live sustainably through money management education and implementation, because doing so will increase housing stability, which will achieve our project goal.

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Financial Beginnings curriculum

-Group learning

-Individual learning opportunities?

Consumer Credit Counseling Services (CCCS)

Primerica

ACCESS Renter Ready class (hard format/ setting for some)

Volunteer Community Network (for those 60+ years old)

IDA Programs

Every Dollar (APP)

-Other apps?

-Envelope systems

-Dave Ramsey products/ programs

-Sustainability Plans

Providential Living

-Mormon Church class/ course

Financial Peace University (FPU)

Bank Account structures/ smart banking strategies

Continuum of Care (CoC)

-HUD Mandated

CCO's (Jackson Care Connect)

Chronic Homeless Outreach Program (CHOP)

-Was w/ Medford Police Department

-Working to create new model, coming soon

Homeless Consulting Solutions

Housing Authority

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By our next meeting (06/14):

Compile additional resources on the spreadsheet

By end of June:

-Determine what curriculum offerings we want to use/ move forward with

-Prioritize what tools/ resources we want to include, how do we want to share this "basket" of resources to other partners (e.g brochure, flyers, list, partner network, etc)