Current Programs Available
1. Home Building Program
2. Household Water Well Program
3. Home Ownership Education
4. Credit Counseling
5. Budget Workshops
6. Miscellaneous services-
- Based on the diverse changing government programs
For information on the Home Building Program please refer to page 2
For the Household Water Well Program please refer to page 3
For all other programs please refer to the continuance of this page.
Credit Counseling & Household Budgets
- We do home ownership education for any clients that are working under one of the programs through our organization.This program is only available to Self Help Housing Clients.
- We work with you on credit issues, disputes and budgeting. Certified Credit Counselor that will work per appointment. This also is for Self Help Housing clients only.
- As we all know, budgeting our funds is the only way to accomplish our future economic goals in this day and time.
Please refer to the following for Credit & Budgeting:
If you track your spending for a month or so, you'll have some answers.
Knowing what you spend now is the first step in creating a budget. A budget is a spending plan to help you forecast and control your expenses.
To create a budget you need to know how much you spend each month - and compare that figure to your take home pay. That information will help you figure out how wisely you manage your money.
There are many ways to track your spending. Here are a few suggestions:
· Keep a small notebook handy and write down everything you buy and every bill you pay.
· Keep all your receipts in an envelope or shoe box.
· If you have a computer, create a file for entering your income and expenses.
· Consider getting a money management software program.
Remember to include:
· Housing (rent or mortgage payment, property taxes)
· Food (groceries, restaurants, sandwiches, coffee, sodas, snacks)
· Auto (car payment, gas, repairs, insurance), parking or commuting expenses
· Home (cleaning supplies, maintenance, renter's or home owner's insurance)
· Clothing, dry cleaning, hairdresser or barber and personal grooming supplies
· Utilities (phone service, long distance, electricity, oil or gas, water)
· Credit card payments (if you are carrying a balance)
· Student loan payments
· Insurance payments (premiums)
· Entertainment (movies, books, magazines, toys, cable TV, Internet access)
· Child care
· Child support or support to other dependent family members, such as elderly parents or family living in another country
· Medical bills
· Legal expenses (immigration or citizenship documentation, tax preparation, family law, child support)
· Savings (transfers to savings account, retirement fund or brokerage account)
· Vacations
· Income taxes in addition to those withheld from your paycheck
When you add up your income, include paychecks or benefits checks along with any income you received from other sources, such as a part-time job, tax refunds, child support payments, alimony, rent, investment income or gifts.
Subtracting monthly expenses from income gives you your personal bottom line. Does your income cover your expenses? If not, you have some decisions to make—you need to figure out how to spend less or earn more. To live within your means, create a spending plan.
Miscellaneous Programs:
From time to time, as a non-profit organization, we will be given a small window of opportunity for repairs, and other household services. These services will be released per media in surrounding counties as the services are available.
