|HAC HCEC Manager Cheryl Kramer (fourth from left) with several of the Angel House clients who took her most recent financial literacy classes.|
Last fall, a client at Angel House took a series of financial literacy classes taught by HAC’s Housing Consumer Education Center (HCEC) Manager Cheryl Kramer.
When Kramer brought that series – Creating a Budget, Rebuilding Your Credit, and Be a Successful Tenant – back to the shelter in June, that same client opted to take them again. Kramer said the client told her, “I’m so glad you’re back… Last fall I was focused on having my baby and not really focused on what you were teaching. I’m coming to the end of my time at Angel House and I really need to hear what you have to say.”
It is one example of why these classes are so important, especially for the mothers at Angel House, who are dealing with the trauma of homelessness, overcoming addiction, and learning how to be a proper parent to their child. “Having the class available more than once, they’re able to build on what they learned the first time,” Kramer said.
On average, 10 clients took part in each of the classes Kramer offered this summer. In August, she awarded 19 certificates of completion to the clients; some received multiple certificates because they took more than one of the classes.
“One of the greatest values is that this is a concrete way for them to build their life skill competencies,” shelter director Lin Rohr said. “We do a lot of stuff on healing, recovery and parenting. This teaches them how to do a budget. If you spend everything you make in your first week, how are you going to eat?”
Amanda, a 23-year-old client at Angel House, said the classes provided her with basic skills that she had overlooked or had no knowledge about. “I never knew anything about my credit,” she said. “And it made me open up my eyes about a lot of things like the money I spend on Dunkin’ Donuts alone.”
“It’s amazing, isn’t it?” Rohr said. “If you spend $5 a day for coffee, that’s $35 a week.”
Another client, Cassandra, admitted she has poor credit and was considering filing for bankruptcy. Kramer “showed me that is not my only option,” Cassandra said. “Now I’m almost amped up about it. I can fix it. It’s not too late.”
Cassandra is one of nine Angel House clients who plan on meeting with Kramer one-on-one to focus on their individual financial needs. “That is a huge thing she is offering,” Rohr said. “If they had to pay for that kind of outside support that is not doable for a lot of them. It’s a wonderful gift she [Kramer] is giving them.”
In October, Kramer will return to Angel House to offer the classes to clients again. “It is part of the [Angel House] program now,” Kramer said. “When they come to that class, they are awake, they are vested and come with good questions… They are not just there because they have to be which makes it more fun to teach. And I make sure I’m giving them the info they want to hear and need to hear.”
HAC Receives CCYP Grant
For the second straight year, HAC has been the recipient of a grant from the CCYP's Giving Circle Fund of the Cape Cod Foundation. This grant will allow HAC to provide the following classes for free, for a limited time, on a first-come, first-served basis: