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Rebuilding Financially After Domestic Violence: Gaining Financial Self-Sufficiency
Monday, March 19, 2018 / 1:00 – 2:30 PM EST
(REGISTER BY MARCH 16TH)
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Transitional Housing: Moving to a More Secure Future
Wednesday, April 11, 2018 / 1:00 – 2:30PM EST
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Creating and Sustaining Well Being
Wednesday, June 27, 2018 / 1:00 – 2:00PM EST
(REGISTER BY JUNE 26TH)
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Income, Spending and Savings: Achieving Financial Stability
Wednesday, August 8, 2018 / 1:00 – 2:00PM EST
(REGISTER BY AUGUST 7TH)
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Planning for the Holidays and Setting Financial Goals for the Year Ahead
Wednesday, October 24, 2018 / 1:00 – 2:00PM EST
(REGISTER BY OCTOBER 23RD)
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Retirement Planning for Domestic Violence Survivors and Advocates
Wednesday, December 5, 2018 / 1:00 – 2:00PM EST
(REGISTER BY DECEMBER 4TH)
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REBUILDING FINANCIALLY AFTER DOMESTIC VIOLENCE: ACCOUNTING FOR SURVIVORS’ ECONOMIC SECURITY
NCADV’S FINANCIAL EDUCATION PROJECT
Project Description
Victims of domestic violence often make several attempts to leave an abusive partner and are forced to return for economic reasons. Economic self-sufficiency is frequently the difference between violence and safety for many victims. Domestic violence advocates must be prepared to address many of the economic issues that victims face, and facilitate opportunities for the victims to learn how they can improve their economic situation. Issues such as budgeting, identify theft, banking, predatory lending, violence in the workplace, housing, and credit, all play a role in ending domestic violence.
NCADV is addressing economic issues through their financial education project. In 2001 NCADV collaborated with the National Endowment for Financial Education and developed financial education materials called, Hope & Power for Your Personal Finances: A Rebuilding Guide Following Domestic Violence, in an ongoing effort to support victims of domestic violence in their endeavors to achieve economic self-sufficiency. In addition to the materials, NCADV provides training and technical assistance to domestic violence programs and other community organizations who wish to address economic issues with the victims of domestic violence.
What is Financial Education?
Financial education involves knowing and understanding the often complex principles of earning, spending, saving and investing. It is vital for everyone, and commonly, compared with middle class and higher income Americans, low-income persons save much lower portions of their incomes and accumulate fewer assets. Research shows that individuals who participate in financial education programs are more likely to save money, realize they have access to certain programs, understand consumer credit and establish a budget. Financial education gives individuals personal control over money and other financial resources. Building financial skills allows individuals to gain confidence in their abilities to make informed, responsible financial decisions.
Financial education includes:
- Budgeting
- Balancing a checkbook
- Keeping financial records safe & confidential
- Preventing identity theft
- Taking a financial inventory
- Building a financial base
- Finding & maintaining affordable housing
- Understanding predatory lending
- Getting a job
- Managing money
- Taxes
- Debt management
- Insurance
- Property
- Child and spousal support
- Developed financial goals
- Building good credit
- Protecting against financial loss
For victims of domestic violence, efforts to obtain financial education are often hindered by abusive partners. For victims in all socioeconomic brackets, financial education is essential to breaking the cycle of violence. Financial matters become infinitely more complicated when compounded with the need to protect oneself from an abusive partner.
The following are some examples of how the road to financial freedom is extremely difficult for victims of domestic violence:
- Often, victims of domestic violence have little or no access to financial resources and face the choice of poverty or remaining in an abusive relationship.
- Abusive partners may sabotage victims’ attempts to seek employment or education outside of the home by harassing them at work, withholding transportation or childcare, or beating them severely.
- Victims of domestic violence who have access to the internet may be unable to retrieve vital information about resources that could help them leave the relationship because many abusers closely monitor the websites victims visit.
- Some abusive partners harass victims through their social security numbers by damaging their credit and accessing their bank accounts.
How Can I Obtain a Copy of the Hope & Power Materials?
The Participant Workbook, Hope & Power for Your Personal Finances: A Rebuilding Guide Following Domestic Violence, was created by NCADV, the National Endowment for Financial Education, and Intuit. It is written to help for battered women regain control of their financial lives and begin to build a better future for themselves and their children. It is designed for women who have left an abusive relationship and for those who are still in the relationship and are considering their options. Single copies of the workbook are available to battered women at no cost. Organizations may also request a single copy to review or order multiple copies at a nominal fee.
Download your free copy(ies) via this link:
Hope and Power for your Personal Finances (English)
Hope and Power for your Personal Finances (Spanish)
