Family Service of the Piedmont, Inc.Family Service of Greensboro Foundation, Inc.

Family Service of High Point Foundation, Inc.

everyday

heroeseveryday

heroesImpact

ReportJune 2014 -July 2015

awareness events, and the growing number of localbusinesses and individuals who support them. This year, our fundraising efforts raised $1.2 millionin financial contributions from the community. Additional in-kind support from event vendors keptexpenses below 12%, resulting in net fundraisingproceeds of more than $1 million.

Program successes this year include: expansion of our Incredible Years parenting program intoAsheboro; reaccreditation of the Hope House Children’s Advocacy Center; reaccreditation of our Domestic Violence Intervention Program; Consumer Credit Counseling Service surpassing the 2,500 mark in local homes saved from foreclosure over the past five years; successful innovations of Integrated Care into our BehavioralHealth Services, including primary care, psychiatriccare, dual diagnosis treatment and medicationmanagement; and successfully partnering with theCounty and others to launch the Guilford CountyFamily Justice Center to eliminate barriers for victims of domestic violence, sexual assault, childabuse and elder abuse.

Going forward, our Strategic Plan will continueto guide us as we focus on building upon these successes and strengths. We will strive to maintainappropriate scale and scope of services; strengthenengagement with community partners, boards and volunteers; attract and retain high-caliber staff; strengthen organizational capacity and infrastructure; and broaden and expand fundraisingefforts, including creating a new Master FundingPlan for long-range development. Achieving thesewill ensure long term sustainability for our agency.

Thanks to the many heroes who support us, FamilyService of the Piedmont is in a strong position tocontinue enabling others to find the hero withinthemselves – every day.

1 Family Service of the Piedmont

At Family Service of the Piedmont, we see heroesevery day. They are our staff and volunteers, whowork tirelessly to improve the lives of others. Theyare our donors and community supporters, whosegenerosity enables our programs to survive andflourish. Most of all, they are our clients, who comethrough our doors at low points in their lives andlearn to find the strength they need to overcomeseemingly impossible situations.

Demand for our services has grown this past yearand our agency has grown to meet this need. We directly served more than 17,000 clients – an increase of 12% over the year before. We expanded to 119 employees and our annualbudget increased by 5% to over $6.8 million. We continue to operate effectively and efficiently:all our programs are meeting or exceeding theirtarget outcomes, and our agency’s indirect cost rateis a low 10%, which means 90 cents of each dollarFamily Service receives goes not to overhead butdirectly to agency services. We have increasedyear-end assets for the fifth consecutive year, andcreated an Operating Reserve to aid cash flow. We are maintaining a 94% client satisfactionrating, and our voluntary staff turnover rate of 12% is about one third of the regional average.

Community support of Family Service is at an all-time high, thanks to the many volunteers whoplan and execute our various fundraising and

Tom Campbell, President & CEOFamily Service of the Piedmont, Inc.

George Ragsdale, Board ChairFamily Service of the Piedmont, Inc.

Message from the President & Board Chair

2014-2015 Financials*

REVENUEContributions $250,419 United Ways $1,368,595Government Grants $1,984,760 Family Service Foundations $1,207,988 Private Foundations $474,232 Program Fees $1,552,104Other Revenue $14,009 Total $6,852,107

EXPENSESSalaries, Benefits & Personnel $5,305,182Professional Fees, Contract Labor $98,683Equipment & Supplies $369,528Occupancy & Insurance $807,800Travel, Conferences & Dues $155,147 Special Assistance $13,882Miscellaneous $27,429 Depreciation $69,508Total $6,847,159

Surplus $4,948

NET ASSETSFamily Service of the Piedmont......................................................$708,424

Family Service of Greensboro Foundation..................................................$3,358,443

Family Service of High Point Foundation...................................................$3,244,164

* preliminary pre-audited figures

2014-2015

clients served

Our FundersFamily Service of the Piedmont is grateful to receive funding from the following private foundations

and charitable institutions which supported our agency in the 2014-2015 year:

United Way of Greater GreensboroUnited Way of Greater High Point

Bank of America Foundation Cemala Foundation

Community One Foundation Cone Health Foundation

Ecolab Foundation High Point Community Foundation

Kate B. Reynolds Charitable Trust Kathleen & Joseph Bryan -

Community Enrichment and Venture Grant

Lincoln Financial Foundation Molly Millis Hedgecock Foundation

Truliant Federal Credit Union Weaver Foundation

Wells Fargo Foundation

T o m C a m p b e l l

P r e s i d e n t & C E O

G e o r g e R a g s d a l e

B o a r d C h a i r

2015 Impact Report 2

E s c a p e f r o m V i o l e n c e

Tammy was a young mother involved in an abusive relationship, when she became pregnant a second time. “At that time mychances of being successful in life, I was told, were going to drop drastically,” she remembers. “I was told this by family members. My dad told me I had to leave his house because I was pregnant again. So I was out on my own for the first time,with one child, pregnant, with a guy whowas abusive.”

A few weeks after the baby was born,Tammy and her partner were involved in an altercation and neighbors called the police. “That time I’d just had enough,” shesays. “I’d already put one child through it. I said, there is no way I will let another childsee what my oldest has seen.” So Tammycalled Family Service of the Piedmont’s 24-Hour Crisis Line for victims of domesticviolence and sexual assault. “I got a lot of good information from them,” she says.“Then I went down and filed the charges,took out a restraining order.“ And she put

an end to the relationship with her abusiveboyfriend.

Family Service’s victim advocates guided andsupported Tammy throughout the court process.She began attending the agency’s Crossroadspeer support group for survivors of domestic violence. “I thought that was something Ineeded to do for myself,” she says. “I have not stopped coming since then. Just to remindmyself not to go back there – it’s very easy tofall back into old ways.”

Tammy also received individual counseling at Family Service. “That’s where I can talk one-on-one about my own problems,” shesays. “If I need something, or if I don’t want the whole group to know something, then I can share it in counseling.” When her daughterwas about five, she began counseling with aFamily Service child therapist as well. “She just loved it,” Tammy says. “She doesn’t like totalk a whole lot about stuff, so it was a way forher to be able to express herself, through drawings, or to talk about emotions and feelings. I think even as adults, it’s hard for usto pinpoint emotions and what we’re feeling.So that’s helped us both a lot.” In addition,Tammy has taken advantage of the agency’sConsumer Credit Counseling Service to receivefinancial advice.

Above all, Tammy says, her experience has enabled her to regain her sense of self. “Afterbeing controlled for so long, you kind of loseyour own identity,” she says. “The biggest thingis just finding myself, who I am, what I like todo.” Tammy is now enrolled full time in schooland a year away from graduation, which she

says is thanks to the positive encouragementshe found at Family Service. “I never thought Icould go back to school with two kids. But thereis life after all of this. There’s life after domesticviolence.”

Tammy proudly shows her new tattoo, a rose illustrating domestic violence. “If people ask meabout it, I’ll tell them,” she says. “And I alwaysrefer them here. I definitely could not havedone it without help from Family Service.”

Tom Campbell,President & CEO

Steve Hess,Chief Program Officer

Becky Hunt,Compliance Officer /

Director of Human Resources

Jody Susong,Marketing & Development Officer

Chip Turner,Chief Financial Officer

George Ragsdale, Board ChairRudy Clark, Vice Chair

Margaret Penn, TreasurerKathy Dick, Secretary

Anne Osborne, Immediate Past ChairTom Campbell, President/CEO

Lindsey AumanDavid BergenKip Blakely

Brack BrigmanKimberly CrewsManuel DudleyEddie EdwardsElizabeth FinchRobert HagerJay Haldeman

Kim HollemanReid MarshKay Miller

Joan McGeachyShelley Olds

Michael SchlosserDavid S. ThompsonMark Williamson

Gwen Willis

Elizabeth Finch, ChairKay Miller, Vice Chair

Bill McGuinn, TreasurerJulie Shamburg, Secretary

Alyce Hill, Immediate Past ChairHeather Fielden, Guild PresidentTom Campbell, President/CEO

Beachy AllenNancy AmosJohn BenciniMark Clark

Matthew CochraneDebbie Cottam

Moo Moo CouncillTyler Covington

Frosty CulpLouise Foster

Jeff HorneyJanice KubinskiJane McAllister

Matt NowellRosalyn PaulingCathy ProctonMichael Smith

Kim Holleman, ChairLindsey Auman, Vice ChairMatthew Rankin, TreasurerBeth Harrington, Secretary

Lynn Black, Immediate Past ChairDiane Conterno-Neese, Guild President

Tom Campbell, President/CEO

Lisa BullockVanessa Carroll

Daniel CraftDonald DibbleTina ForsbergAnita GrahamDaniela HelmsRon Johnson

Mojgan Jordan

Sterling KellyKim KetchumRobert KetnerThais LewisLeslye Tuck

Donald VaughanCarolyn Walters

James WeeksEllie Yearns

Susan Davis, Junior League Liaison

C h i e f

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Daniel was workingin the food serviceindustry when hebecame involvedwith drugs. “Because of thepeople I was surrounded by, theenvironment, it wasacceptable,” hesays. “It was the‘cool’ thing to doonce you got offwork. Then I startedusing at work. I lostmy job because ofhaving problemswith substances.”

Being fired from an 11-year career brought Daniel to the realization that something had to change.“That time period was very psychologically taxing,”he remembers. “I got into a depression and I was juststuck. I would sit at home all day. So I said one day, Ican’t do this. I can’t just sit here and wallow.”

Daniel researched local options for counseling andfound Family Service of the Piedmont. Because hewas unemployed with no health insurance, heneeded a community-based resource offering counseling despite his low income. “Family Servicewas able to provide that through the sliding feescale,” he says.

Even so, “it was a scary first step,” Daniel acknowledges. “To be able to admit that I couldn’t do it myself anymore, and I really needed exteriorhelp. When I came to Family Service, even at the initial assessment stage, they made me feel welcome.I knew I could talk about whatever I needed to talkabout, to get past those hard times.”

After just a few counseling sessions, Daniel began to see results. “The second meeting, Albert [Daniel’sFamily Service therapist] started laying out the techniques he wanted to use,” he says. “We startedtalking about it right off the bat – what I wanted to

change about myself; what I could do to think positively about myself. By the third or fourth meetingI was seeing positive change.”

“Albert helped me identify the fact that I was a hardworker; that I need a lot on my plate to be able tofunction on a high level,” he says. “He also taught memeditation techniques: how to deal with the stress ofthe moment, whatever that moment may be. Thosetechniques really helped me. I had a lot of social anxiety coming off the substance abuse. It reallyhelped me to just calm down.”

With Albert’s encouragement, Daniel resolved to goback to school. He learned to apply his strong workethic to college life at GTCC. “You go in at nine in themorning and you don’t leave until five,” he explains.“All the downtime you have in between classes, youuse it on homework or something to further yourself.So I started getting involved in clubs, and – as Albertsuggested – I started doing some volunteering to finda new group of friends. That led to getting into thestudent government association as a representativefor the High Point campus.”

Now, in his second year at GTCC, Daniel is StudentBody President. “I’m a member of the Board, I’m onseveral committees at this point, and also carrying aschedule of classes,” he says. “I have a pretty fullschedule!” He is studying Human Services with a concentration in substance abuse, with a view to becoming a counselor himself to help others. “I fullyintend on going on to a Master’s degree,” he says. “I want to affect positive change.”

It’s been five years since Daniel lost his job from substance abuse. Since then, he has learned techniques to overcome depression, to focus, and torecognize his own inner nature and what he needs tothrive. He continues to refer others to Family Servicefor counseling as well. “I tell them about the warm,welcoming environment here,” he says. “How they’renot going to look at you as just a number on a clipboard – they really get involved. That was important to me, to know that I wasn’t doing this allby myself. Somebody else actually seemed vested in it and cared about it, too.”

When Pravin and Chandra’s first child was born, neither of the new parents was employed, and neitherhad much knowledge about how best to care for theirbaby. Chandra was also recovering from her C-section, which made moving around difficult. “I hada lot of problems at that time,” she recalls.

“The hospital asked me if there was anybody athome, to help with the baby,” Chandra remembers. “I said no.” A worker from Community Care for Children was assigned, but was only able to visit oncea month. So the family was referred to Family Serviceof the Piedmont’s Healthy Start program for moreregular contact. A Healthy Start case worker beganvisiting the family in their home each week to shareparenting information and resources.

Pravin says the couple were impressed by their caseworker’s care and expertise. “We did not know how tocare for a baby,” he says, “They have been teachingus, every time and every visit – about nutrition, howthe child behaves and how you react, all sorts ofthings.” The family is also gratefulfor the baby supplies and necessary items Healthy Start wasable to provide while they were outof work, thanks to donations to theprogram. “We didn’t need bigthings, but there were many littlethings they gave to help us,” Chandra remembers.

As their daughter grew, Pravin and Chandra learned how to react toher different developmental stages.Their Healthy Start caseworker,now visiting every two weeks,taught them appropriate methodsof discipline, redirecting behaviorand teaching boundaries. WhenChandra became pregnant withher second child, the weekly visitsresumed.

“We are lucky,” says Chandra. “Before, I had a babyand I knew nothing. Now I’m learning a lot of things.I’m really thankful for the way Family Service hashelped me!”

3 Family Service of the Piedmont

2015 Impact Report 4

The 2015 Julia B. NileFor Love of Family Awards

Recognizing individuals who have made a lasting impression on Family Service of the Piedmont and the

Greensboro and High Point communities.

Honor Societies

Families First Honor SocietyFamily Service of High Point Foundation

Families First Honor SocietyFamily Service of Greensboro Foundation

Terry AikenDan and Beachy AllenLin and Nancy Amos

Tony and Sallie BardelasBrian and Shea Barnett

Michael and Stephanie BeaverStan and Deane Belk

Courtney BestArthur and Dawn Bingham

Beth BreeceBrack and Emilee Brigman

Claire BrinsonCharles and Ann CainEarl and Kitty Congdon

Debbie CottamPaul and Barbara Coughlin

Ned and Katherine CovingtonAmanda Covington

Kimberly CrewsFrosty and Catharine Culp

Iv and Leslie CulpDonna Cumby

Doris DealChip and Mary Eliza Duckett

Bill and Candy FennSandy and Elizabeth Finch

Louise FosterRick and Lisa Gilliam

Jim GoodingChris GreenePam Greene

David HayworthBill and Whitney Heard

Eric and Alyce HillJeff and Claire Horney

Bill HorneyJohn and Jo Hughes

Tim and Linda IldertonHarold and Suzy Johnson

Wes and Mary KeeverSteve and Miriam Kimsey

Nancy LaneyGina Laney

Margaret LewisKen and Jane McAllister

Phil and Kay MillerJeff and Carroll Ann Miller

Jef MorganMark and Rena Norcross

Lenny PetersSallie PhillipsCathy Procton

Maria PuschinskyNido and Mariana Qubein

Kerry and Cindy RiceEmilie Rogers

Steve and Kathy RohrbeckLesley Rosser

Kerie Beth ScottJeannie Sedberry

Marsha SlaneMike and Bunnie Smith

Condon SmithDavid Thompson

Jeanné Dulion-ThornKelly VaughanLeigh Wagner

Miriam WagnerLyndon and Kay WallJim and Gray Wehrley

Mark and Betty WilliamsonDoug WitcherChris Wynne

Missy AkinAdair Armfield

Karen and Tom ArmstrongFrank and Lindsey Auman

Lori AycockQuint and Robin Barefoot

Cyenthia BarkerLynn Black

Ken and Pat BrooksWillie and Lisa Bullock

Dan and Barbara CaffreyKay Cashion

Clyde and Dot Collins CollinsAlan and Sally ConePete and Pat Cross

Dixie CulverAldona Wos and Louis DeJoy

Leah and David EdgertonJohn Ellison

Marion and Peggy FollinDan and Tina Forsberg

Judy FrederickBud FredianiRick Gabriel

Laura GasiorekLynne Gladstone

Robert and Angie HagerJay and Jen Haldeman

Bill and Martha HalsteadSteve and Pam Hassenfelt

Daniela HelmsMike and Fay Hoggard

Kim HollemanMuriel Inabnet

Rodney and Mary IngramMarc and Jill Isaacson

Ron JohnsonDavid and Liz Johnson

Mojgan JordanPaul KennedyKim Ketchum

Robert and Leslie KetnerPhil and Charisse Kleinman

Becky KoontsLex Kulman

Phyllis LancasterPearce and Anne LandryJ. D. and Sunny Lawson

Jim and Liza LeeGeorgia Lineback

Glorine LuperRebekah MangoJack MarkhamCarol McCoy

Bynum and Bonnie McElveen-HunterMary McGinley

Bill and Patty McIvorJim and Sylvia Merritt

Betty NicholsBilly and Dottie B. Nutt

Pete and Anne OsborneHoyt Phillips

Marshall and Sandy PittmanLee Presson

Kevin and Dianne PuschElizabeth Rankin

Stephen and Carla RobinsonKitty Robison

Mark and Judy RoyMike and Rebecca Schlosser

Meredith ScottCarl and Leigh Seager

Joy ShavitzSue SimmonsShirley SpearsAllene Spruill

Mike and Laura SteenKay Stern

Karl and Lynn Stonecipher Craig and Leigh SudbrinkKevin and Chris Supple

Sig and Ellen TannenbaumMarshall and Leslye Tuck

Robin and Marti TylerJim and Sally Weeks

David and Lauren Worth

f o r e v e r f a m i l ya P l a n n e d G i v i n g P r o g r a m

Some things change, but families are forever. The Forever Family program recognizes those who remember Family Servicein their will, or as a beneficiary of retirement or insurance plans. If you are interested in joining the Forever Family or to

find out more, please contact Jody Susong at (336) 387-6161 x1105 or email jsusong@fspcares.org

John and Lynn Black

The Estate of Ray BurrowThe Ray and Tanya Burrow Family Fund

The Estate of Sarah W. Cooke

Ronald P. Johnson

Julia B. Nile

Mike and Bunnie SmithCharlie B. Smith Memorial For Love of Family Fund

Doug and Jody Susong

The Estate of Leah Tannenbaum

C h a r i s s e d a l y K l e i n m a n

Charisse Kleinman’s commitment to Family Service began atthe young age of 22. She volunteered at Clara House forfive years, working with women and children who were victims of domestic violence. “The core of life begins at thefamily level and not every family understands family love,kindness and respect,” says Charisse. “I witnessed the worstcircumstances of abuse at Clara House and it is a basichuman desire of mine to help when needed.”

In 2009 Charisse joined the Guild of Family Service ofGreensboro, after being introduced to the Guild by friendLeigh Sudbrink. Since then, Charisse has recruited at least 20friends to join the Guild, as well as displaying exceptionalgenerosity in her own support of the Guild and Family Service’s fundraising efforts.

As a Guild member, Charisse soon showed her talents andenthusiasm by creating a new fundraiser, the Sip ‘n’ Shop– an upscale boutique sale complete with hors d’oeuvres,cocktails and live music. The event has been a huge success,raising $50,000 in its first two years and increasing awareness of Family Service in the Greensboro community.Charisse also helped create Clay Smith’s Hope ChestWalk in memory of friend and past Guild President ClaySmith. The event supports the Endowment Fund at FamilyService, leaving a legacy of hope for the future. For theseand other contributions, Charisse received the Guild’s President's Award in 2014.

Charisse’s energy, enthusiasm and dedication is not limited toher work with Family Service. She and her husband of 26years Phil give to over 50 local charities each year, and aremotivated to continue to help those in need.

Giving back is a hallmark of Charisse’s character, whethervolunteering at the shelter, creating events, or advocating inthe community. “We cannot be self-centered in life becausewe are all one big family in Guilford County,” she says.“Everyone should feel obligated and honored to serve othersin life, because being human, we all need a little help fromtime to time.”

Pete Callahan was first introduced to Family Service as aboard member of the United Way of Greater High Point in2008. He joined the Family Service of the Piedmont Boardand served for six years, including two years as Treasurer, as Vice Chair, and eventually as Board Chair in 2012-2013.

As Chair, Pete introduced Going Green, an effort to reduceprinting and paper costs for the agency. He was actively engaged with agency staff and volunteers, and a regular atagency fundraising events. He represented Family Service at meetings with Guilford County Commissioners and theCity of Greensboro. He successfully challenged Family Service’s Board members to reach 100% participation in theAnnual Campaign, and together with then GreensboroFoundation Chair Anne Osborne, bought a fabulous lunchfor the High Point Foundation Board who were first to reachthe target.

As Regional Head of Commercial Banking for Wells Fargo,issues of home ownership addressed by Family Service’sConsumer Credit Counseling Service have special significance for Pete. “It’s important to me and to our company to keep struggling families in their homes whenever we can,” he says. “After the economic downturn,the Mortgage Prevention Program has been able to keep hundreds of local families in their homes who lost a jobthrough no fault of their own.” Over the years, Pete’s advocacy for Family Service at Wells Fargo has encouragedthe company to support the agency significantly throughgrants and event sponsorships.

Pete chaired the United Way of Greater Greensboro’sAnnual Campaign in 2013 which raised $11 million, thecampaign’s first increase since 2007. Pete has also previously chaired the Annual Campaign for the High PointUnited Way – one of few people to lead both local UnitedWay campaigns. He is Immediate Past Chair of the GuilfordMerchants Association and has served on the Parents Councils of High Point University and the University of North Carolina at Chapel Hill.

Pete is a leader with core values of dedication and service tothe community. He cares deeply for the work of Family Service, for the individuals who accomplish it, and for the recipients of the agency’s services.

P e t e T . C a l l a h a n

5 Family Service of the Piedmont

Family Service is grateful to the many individuals, businesses and groups who sustain us in our vision of building safe and healthy families.While it is not possible to list all our donors, Family Service would like to give special thanks to the following supporters who gave to our

agency during the 2014-2015 year.

Every effort has been made to ensure donor information is complete and correct. If you find any errors or omissions, please accept our apology and bring it to our attention by calling (336) 387-6105 Ext. 1115.

Our Donors

Diamond Donors ($10,000 - $19,999)

Emerald Donors ($5,000 - $9,999) Sapphire Donors ($2,500 - $4,999)

Ruby Donors ($1,000 - $2,499)

Anonymous1618 Concepts, Inc.

Dan and Beachy AllenAmicus PhotographyLin and Nancy Amos

Anderson Family FoundationAdair Armfield

Tony and Sallie Bardelas/Allergy and Asthma Center

Kim and Tricia BaumanBE Creative

The Berkley Hall CompaniesBernard Robinson & Co.Ray and Janis Beshears

Bio-Tech Prosthetics & OrthoticsJohn and Lynn Black

Mandy BlackKip and Lee Blakely

Blossoms by Stroud FloristDon and Mary Gay Brady

William BransonBraxton Culler, Inc.

Breece Enterprises, Inc.Brack and Emilee Brigman

Ken and Pat BrooksJames R. Bullock, Jr.

Dan and Barbara CaffreyCharles and Ann Cain

California ClosetsTom Campbell

Carolina BankLinda Knight Carr/Knight Carr & Co

Jimmy and Vickie ClarkColey Cosmetic & Hand Surgery Center

Colonial, LLCDavid and Helen CongdonBob and Debbie Cottam

Ned and Katherine CovingtonCrescent FordCrown BMW

Frosty and Catharine CulpCulp, Inc.

Andrew and Donna CumbyBob and Susan DalyNiles and Carol Daly

Davis FurnitureMarie G. Dennett Foundation

Donald and Susan DibbleDixon Hughes Goodman LLP

Craig DuBoisChip and Mary Eliza Duckett

David and Leah EdgertonEdward Jones InvestmentsEmerywood Baptist ChurchEmpire Education Group

Enterprise Holdings FoundationBill and Candy Fenn

First BankDan and Tina Forsberg

Louise Foster

The Fresh MarketGary Jobe Builder, Inc

Skipper and Marita GatesGlen Raven, Inc.

Global Brands GroupGreenhouse Fabrics

Greensboro Regional Realtors Foundation, Inc.Haynes and Ginger GriffinRobert and Angie Hager

David R. HayworthBill and Whitney Heard

Rob and Daniela Helms/Helms MortgageSteve Hess

Mike and Fay HoggardKim Holleman

Jack and Morgan HornerJohn and Jo Hughes

Les Hurrelbrink and Mary SansingIce Age Management

Ilderton Dodge Chrysler JeepRodney and Mary Ingram

iSurity, Inc.Jamestown Civitan Club

Jamestown News/YES! WeeklyJamestown United Methodist Church

Mark JanasEric Jones

Wade JurneyBob and Magz King

Ralph and Andrea Knupp

Fritz and Amy KreimerBrent and Lex Kulman

LeBauer Allergy & AsthmaThe Matthew David Lee Memorial Fund

Lincoln Financial GroupMike and Georgia LinebackLorillard Tobacco CompanyJim Jeffries and Sonya Lowe

Ken and Jane McAllisterMcDonald's of High PointRod and Joan McGeachyWayne and Teresa McGee

Bill and Patty McIvorMercedes Benz of Greensboro

Jeff and Carroll Ann MillerPhil and Kay Miller

David and Leslie MooreMark and Rena Norcross

David and Maegen NovakMatt and Marilyn NowellSean and Colleen O'Neal

Pace CommunicationsMargaret Penn

Ryder and Donna PerkinsPest Management Systems, Inc.

Sallie PhillipsThe Earl Phillips Family Foundation

The Phillips CollectionStanley and Karen Pigman

Praesage, LLC

Premier Federal Credit UnionPrincipal Financial GroupDon and Donna Pulitzer

Nido and Mariana QubeinMatthew and Elizabeth RankinRebecca & Co./Palm Avenue

David and Claudia ReichDebby Reynolds

Stephen and Carla RobinsonSteve and Kathy Rohrbeck

Warren Romaine, Jr.Royal Limousine of Greensboro

The Sales FactorySame Day Xpress

Sedgefield Country ClubSenn Dunn Insurance

Joy ShavitzSimon Jewelers

Smart Choice/Doug WitcherDick and Ann SmithSmith Leonard PLLC

Dan and Nancy SolomonSouthern Engraving

Southern Roots Restaurant & CateringShirley Spears

Allene D. SpruillSt. Pius the Tenth Catholic Church

Kay SternTom and Diana Stuckey

Craig and Leigh Sudbrink

Systems Contractors, Inc.Sig and Ellen Tannenbaum

Terminix CompanyDavid Thompson and Kimberly Crews

Tom and Marsha TiceMichael and Dorry Tooke

Triad Eye AssociatesTriad Martial Arts

Marshall and Leslye TuckTuggle Duggins P.A.

Tyler Redhead & McAlister Real EstateUnitedHealthcare

University of North Carolina at Greensboro

Valdese WeaversTom and Sabine Verellen/

Verellen, Inc.Kay and Lyndon Wall

Debra WallaceJim and Sally Weeks

Wells Fargo Advisors, LLCWell-Spring

Wesley Memorial United Methodist Church

West View Acquisitions, LLCLen and Judy White

Randy and Katie WhiteSteve and Mary-Ann WiggsMark and Betty Williamson

Witherspoon Rose

Aesthetic Images PhotographyFrank and Lindsey AumanBank of North Carolina

Quint and Robin BarefootCyenthia Barker/First Citizens Bank

Bassett FurnitureBB&T

BBQ Joe's Country CookingBelk Friendly Home StoreJim and Marianne Bennett

Blue Group RestaurantsBluezoom

Jason and Carol BohrerButler Lighting of High Point

Cellular Sales of North CarolinaClassic Construction of NC, Inc.

Tim Neese and Diane Conterno-NeeseCourtyard Commons - Apartments on W. Main

The Deal FoundationDress Code

Sandy and Elizabeth FinchFlow Land Rover & Jaguar of Greensboro

Furnitureland South, Inc.Genuity Concepts, Inc.Green Valley Financial

Guilford Technical Community CollegeJay and Jen Haldeman

Harriss and Covington Hosiery Mills Inc.Hawthorne Residential Partners

High Point Regional HealthHoly Trinity Episcopal Church

Horizon Tool, IncI.H. Caffey Distributing Co.International Market CentersInternational Textile Group

Ron JohnsonRobert and Leslie Ketner

The Kritzer Frederick FamilyLomax ConstructionMain & Taylor Shoes

Rebekah MangoCarol McCoy

The Michel Family FoundationJeanne Miles

Mt. Zion Baptist ChurchLenny Peters Foundation

Cathy ProctonKevin and Dianne Pusch

R.H. Barringer Distributing Co., Inc.Ralph Lauren Corporation

Mike and Rebecca SchlosserCarl and Leigh Seager

Marsha SlaneBelvin and Carolyn Smith

St. Francis Episcopal ChurchStameys Barbecue

TLC Laser Eye CentersThe Whitener Foundation

Mark and Anne Yarbrough

Albion AssociatesBaker Furniture

Bank of AmericaBuchanan Printing & Graphics

Eric and Mary CalhounCanter Power Systems

Columbia Forest ProductsBill Cross

Dormition of the Theotokos Greek Orthodox Church

Fink's JewelersEric Gillespie

High Point Bank and Trust Co.High Point Jewelers

and Fine Gifts

Eric and Alyce HillIrvin Orthodontics

David and Liz JohnsonKappa Delta Sorority

Kriegsman Luxury OuterwearThe Clark Foundation, Inc.Matthews Mobile Media

Mutual DistributingRichard Nault

Pete and Anne OsborneSchiffman's JewelersSolstas Lab Partners

Southern Event RentalMike and Laura Steen

John EllisonPNC

United Guaranty Corporation

Wells FargoWoodruff Family LawNew Breed Logistics/

The Honorable Aldona Wos and Louis DeJoy

Carolina Container CompanyRoy and Vanessa Carroll/The Carroll Companies

The Congdon Family

Major Contributors ($20,000 and Above)

AnonymousJoseph M. Bryan

Pete and Pat CrossThe Charles E. Hayworth, Jr., Foundation

The J. Richard and Sybel F. Hayworth FoundationOld Dominion Freight Line

Pepper Moon CateringVF Corporation

2015 Impact Report 6

Pearl Donors ($500 - $999)

Anonymous (3)Above and Beyond Catering

Absolute Comfort Heating & CoolingAffordable Chiropractic Center

Alem Wealth ManagementKaren and Tom Armstrong

Lynn ArnoldAvery Body & Trim ShopBaity's Discount Tire SalesScott and Kelly Bankhead

Barber Center for Plastic SurgeryThe Bargain Box

David and Ruthie BaynardJonathan Baynes

Jeff and Mary BeachRichard and Susan Beard

Michael and Stephanie BeaverJohn and Leslie Bencini

Benson, Brown & Faucher, PLLCPreston and Sheri BergenFred and Courtney Best

Karen BickhamBill Black Chevrolet Cadillac

Blue Ridge CompaniesBlueCross BlueShield of NC

Brady Trane ServiceJim and Louise Brady

Cooper Brantley and Kathy CrossJoe Brantley

Frank and Nancy BrennerJim Brooks

Ralph and Jane BrooksBob and Michelle Bruggeworth

Willie and Lisa BullockJacob and Elizabeth Bumm

Jim and Lynn BurgioMike and Cres Calabrese

Montrel Caldwell, Sr.Carolina Fresh WaterCarruthers & Roth, PA

Central Carolina Air ConditioningCentral Floral Gardens

Christ United Methodist ChurchJanna Civils

Rudy and Michelle ClarkTom Clawson

A Cleaner WorldFred and Christine Clodfelter

ClubVetteLandon and Annette CobbCompass Financial Partners

Alan and Sally ConeTom and Rene Cone

Congregational United Church of ChristPat Copeland

Moore and MooMoo CouncillBraden and Meredith CovingtonDavid and Jennifer Covington

Ed CoxCraft Insurance Group

Scott and Tiffany CrenshawFrank Crowell

Hamp and Lula CullerIv and Leslie Culp

Jon DalyJon Jr. and Rachel Daly

Steven and Andrea DavisMichael and Julie DelgaudioDelta Sigma Theta Sorority

Allen and Kathy DickArthur and Desiree Dick

Di'lishiDiversified TrustJames Eagle

Eddie and Sonja EdwardsLawrence and Linda EgertonKeith and Dorsay EichhornElastic Fabrics of AmericaBobby and Alison Ellington

Emerge Skin TherapyJohn and Linda Faircloth

Cody and Heather FieldenFirst United Methodist Church

Fish Window CleaningMary S. Fisher

Jack and Nan FlynnMarion and Peggy Follin

Forbis & Dick Funeral ServicesFresh Coat Painters of Greensboro

Philip and Joanne GilbertJoe and Carolyn Gorga

Got You FlooredTom and Elizabeth Gratzek

Greenpoint Insurance GroupTucker Gresh

David and Donna GriffinGuilford County Chapter NCSSAGuilford Park Presbyterian Church

Guy M. Turner, Inc.Hang-Ups Art & Framing

Beth HarringtonCharles and Martha Harris

Brad and Kim HayesHickory Creek Outdoors, Inc.

Hill, Chesson and Woody, Employee Benefit Services

Hilton Myrtle Beach ResortHopp and Karen HopperDavid and Bonnie Horney

Jeff and Claire HorneyGeorge Hoyle and Kathleen KellyThe Human Resource of the Triad

Becky HuntMatt and Alicia Hurley

Marc Isaacson and Jill WilsonCarswell Jackson

Jamestown MeinekeBurney and Dina Jennings

Maurice and Linda JenningsMitchell and Suzanne Johnson

Bob and Kim JonesChuck and Mary Jones

Kathryn, Henry and Ava Hemingway RogersBeth Kattman

Kim and Lisa KetchumMose and Doris Egerton Kiser

Janice KubinskiDavid and Sally Kuratnick

Bradley LambertLegacy Classic FurnitureAl and Ginni LineberrySteve and Lisa Liringis

Scott and Morgan LoveFrank and Frances Lucius

Orrin and Amanda MagillJim and Sandra Marsh

Mary Perry Ragsdale YMCADusty and Kay Maynard

Brooks and Millie Mayson/Express Oil Change

Bill and Caroline McGuinnRichard and Stacy Miller

Steve and Kathryn MohornMonkee's of Irving ParkLouis and Teresa MooreJef and Christi MorganTom and Cotten Moring

Mosquito SquadRich and Nikki Mossman

Robert MurphyJerry Nazziola

Betty Hughes NicholsTerry and Julia Nile

The Nita Pointe FoundationBilly and Dottie B. NuttThe Ofsanko Family

Zizzy and Jeannie OsborneRandy and Lou Ann Parker

Perky’s BistroNancy deWitt PickardPiedmont Direct Mail

Piedmont Triad Insurance/Erie InsuranceJan and Wanda Pritchett

Quaintance-Weaver Restaurants & HotelsBilly Ragsdale

George and Jenny RagsdaleRandy McManus Designs, Inc.

Replacements, Ltd.Kerry and Cindy Rice

Rice ToyotaRiver Twist

Kevin and Indira RobertsSalem One, Inc.

Brad and Deena SamuelJohn and Virginia Saslow

Mark and Sue SchallJim and Sharon SchlosserJohn and Stephanie ScottBill and Julie Shamburg

Phyllis ShavitzScott and Brenna Shepherd

Mike and Bunnie SmithKevin and Elizabeth Speight

Chris and Dallas StanleyKevin and Chris SuppleDoug and Jody Susong

Robert and Rebecca TaylorTim Templeton

Tempur Sealy InternationalTrinity Pension Group, LLCRoyster and Donna Tucker

Robin and Marti TylerUO! IP, LLC

US Trust, Bank of AmericaVALIC

Vann York Auto GroupMark and Kelly Walker

Mark and Nancy WarburtonJess and Susannah Washburn

Teddy and Pam WelbornWestover Church

Robert Whitnell and Anne GlennBob and Judy Wicker

Mike and Royale WigginVisions Catering

Gary and Chris WynneDirk Ziff

Ben and Ann Zuraw

Community Supporters ($200 - $499)

360 Realty LLCAdams Farm Animal Hospital, PA

Aetna Foundation, Inc.Lee and Patty Aiken

Chidi and Anna AkwariElizabeth Aldridge

Ray and Sally AlexanderRalph and Patti Allen

Howard and Sally AltizerFrank and Karen Aluisio

Asheboro Junior Woman's ClubCobb and Raegan Atkinson

Sam and Janice BakerTom and Beth Baker

Brett and Christi BarbourDavid and Becky Barger

John and Margaret BarnettEdwin and Martha Bass

Scott BayerRichard and Shari Beavers

Beeson Hardware and Lumber Co.Jack and Marilyn BellMichael and Leigh BellSteve and Jackie BellBill and Cathy Bencini

Bessemer Womans ClubGary and Vivian Biesecker

Andy and Anne BillsKeith and Aprille Black

R. David and Barbara BlackmanBill and Liz Blackwell

Douglas and Margret BloomBon-Bon Wings and Grill

Anne BowersSusan Brady

David and Beth BreeceSusan Bright

Bob and Ann BrinsonHerb and Rosemarie Broadmeadow

Tom and Bonnie BroadwaterJ.R. and Kim Brown

Matthew Brown and Betty Ann RoscettiJim and Nancy Bryan

Frank and Frances BullockCherie Burke

Bill and Cathy BurlingChuck and Susan Burns

David Caccamo and Rita BennettSue Cain

Don and Jayne CameronRandy and Carrie Carda

Jeff and Brenda CarrWilliam and Kathleen Cavanaugh

Bruce and Gwynne ChadwickJoni Chastain

Barry and Lisa CheekChen Chen

Hayes and Clem ClementStan and Dana Clinard

Matthew and Denise CochraneSanders and Tonya Cockman

Jamie and Alison Collins

Jack and Audrey HarrisLen and Leslie Conway

Doug and Jean CopelandGreg and Lisa Costello

Mike and Donna CottonaroPaul and Barbara Coughlin

Covenant United Methodist ChurchTyler and Amanda Covington

Jeff and Kristine CoxStephen and Kara CoxKent and Lynn Crawford

Patricia CreelJohn and Jennifer Cross

Michelle CrowRob and Susan CulpKen and Dixie Culver

James and Phyllis CumbyHank and Sallie Cunningham

Elmon and Pam DaleSanders and Lane Dallas

Pat and Mary Carol DanahyPeter and Kim DansieMaryAnn D'Antono

Bert DavisDanny and Karen DavisKearns and Ashley Davis

Betty DennyJoe and Lynn DePasquale

Don and Marti DigbyMichael and Zoe Draelos

Michael and Mary DrummondBlaine and Martha Anne Dubose

Will and Paige DuBoseJed and Gwyn DunnPeter and Mary Dunn

Chris and Alison DurhamEast White Oak Missionary Baptist Church

Lowell and Cathy EasterBill and Trisha EdwardsBlades and Karen Elliott

Episcopal Church Women of St. Mary'sJohn and Shirley Erath Conrad

Scott and Katy EriksonDabney Erwin

Andy and Melanie EskewScott and Tricia FairclothMarcus and Lore Fariss

James and Emily FaucherFellowship Presbyterian ChurchAlan Ferguson and John Paulin

E.O. and Paula FerrellJack and Dee Dee FetnerBert and Debbie Fields

Brad and Courtenay FieldsJim and Lynn FinneganJoe and Emily Fisher

Van and Molly FletcherKris Flynt

Zan and Shawn FortuneChris and Leslie FosterJohn and Sarah Foster

Philip Fowler

Henry and Shirley FryeLyle and Kelly Frye

Rick GabrielEd and Diane Gaines

Kim and Alice GallimoreSam and Lisa Ganem

Misty GarnerRob and Kim Gay

Clark and Laura GibsonTom and Peggy GlaserJack and Brenda Glenn

Steven and Pamela GoodbredGary and Jean GoodmanJody and Lynda Gordon

John Lee and Penny GravesArt and Carolyn GreenChris and Kathy Green

Jennifer Cross and Michael GreenKevin and Elizabeth Green

Greensboro Police FoundationNan Griffith

Chris and Barbara GuestDavid and Mary HaganKay and Chip HaganCourtney Hammock

Chris and Kathryn HarrellDan Hayes

Michael HayworthHal and Tammy Heavner

Jim and Pat HeeryJim and Terry Helms

Steve and Terri HendricksonGrace and A. B. Henley

Harvey and Emily HermanJuan and Sebrina Hernandez

John and Ande HewittJack and Sharon Hicks

Highland United Methodist ChurchJerry and Donna Highsmith

Hiking HoneysVan and Julie Hill

James HimesLawrence HimesTiesha Hinton

Robert and Donna HodgmanShirl and Claude Hoffman

Richard and Julie HoldernessSamuel Hood

Barry and Amelia HopkinsDavid and Martha Howard

Bob and Chris HudsonRalph Huey and Mary Ann Contogiannis

Maurice and Laura HullMike and Peggy Hussey

Robb and Chris HutchisonClarence and Nancy Ilderton

Bobby InchausteguiDon Ingold

International Girls Night OutIron Thunder Saloon & Grill, Inc.

Bobby and Debbie IrvinDan and Suzi Jackson

Ashley and Barbara JamesJamestown Rotary Club

Fran and Dick JanasTom and Cindy Jarrell

Hal and Teresa JohnsonTheresa Johnson

Fred and Liz JonesJim and Honor JonesKimberly Ryan JonesBen and Ellen JordanPhil and Debbie JoyceBen and Karen Kahn

Chuck and Merrill KeeleyWes and Mary KeeverJan and Larry Keiner

Kathleen KellyShane Kelly

Sterling and Susan KellyBrian and Lee Kemp

Kevin and Amy KempFlorence Kendall

David and Karen KieferRicky and Dot KimelmanCharles and Milly King

Lee and Julie KingSam and Gennie Kirby

Steve and Leigh Ann KleeBob and Becky Koonts

Marty and Asheley KotisKurt and Joy KronenfeldEric and Diane Lackey

Rick and Phyllis LancasterPearce and Anne LandryRichard and Betsy LaneBruce and Nancy LaneyDoug and Anne Lang

Tommy and Jeanette LangleyLankford Protective Services, Inc

Bart and Barbra LassiterJ. D. and Sunny LawsonChuck and Lynne LedfordJames and Kelly Leggett

Ken and Leigh Ann LennonBob and Ginger Lett

Larry and Becky LewisRick and Margaret Lewis

Lewis Systems & Service Co., Inc.Ashley Linder and Conrad Cook

Lindley Park Baptist ChurchDoug and Smedes Lindner

Oliver and Laurie LloydJohn Loecke and Jason Oliver Nixon

The Lookout FoundationMichael and Rita Lucas

Mike and Stephanie LudwigNeil and Susan Lutins

Diane MannellaMatt and Allison Manning

Ernie Manuel and Ashley WallReid Marks

Ken and Cackie MarshJoe and Kim Martin

J.J. and Jordan MarusJoe and Sherry Marus

Jane MattesonMaxfit

Henry and Joan MayTim and Carole MayRick and Betsy Mayes

Lee and Julie McAllisterMelanie McBride

Tom and Trude McCartyJohn and Geri McComb

John and Beverly McCrackenDennis and Kaye McGarry

Hayden and Nancy McKenzieJohn and Kathy McKenzie

Michael and Melanie McNamaraFrank and Martha Mellon

David and Vicki MillerKeith and Ellen Miller

Butch and Madeline MillsMOD Studio LLC

Dudley and Mary-Lynn MooreBill and Patti MorganJim and Ann Morgan

Dan MoscaDavid and Missy Mowery

Mike and Jill MurrayLisa Newsome

Fred and Martha NewtonRandy and Catherine Niebauer

Philip and Mary NifongNick and Sheila Nikouyeh

Steve and Jane NorrisCaroline North

J.B. and Ashley NosekStuart and Lee Nunn

Mitchell and Betsy OakleyJanet Odum and Harold Rush

Mike and Amy O'KeeffeRichard and Ivey Orr

Our Lady of Grace ChurchPatti Owen

Zack and Gretchen OwensBill and Jo Ann OwingsCurt and Debbie Palat

Caroline Parker and Tripp DeichmannDavid and April ParkerEd and Jackie PearceMatt and Kelly Penley

Claudia PereraChip and Sabra Permar

Daniel and Vivian PesaresiJim and Susan Phillips

Kevin and Elizabeth PhillipsDan and Laura PierceLou and Holly Pierce

Andy and Leigh Ann PoolJerry and Elizabeth Poole

Presbyterian Women, First PresbyterianChurch

Dickie and Julie PriceGene Purdum and Sally Millikin

Emily RagsdaleWill and Mary RagsdaleJohn and Kathleen RaileyKerr and Palmer RamsayRick and Libby Ramsey

David RaperMike and Kathi RaybonJohn and Katie RedheadJordan and Ann Reece

Robert and Rosemary ReedElwood and Marcia Regan

Neil and Judy ReynoldsAl and Marya RhotonTim and Carolynn RiceScott and Dianne Roe

Kurt and Carmella RoehrigGeorge and Kelly Rose

Rotary Club of High PointJim and Melinda Rucker

Bob and Bee RuleSams Law Firm

George and Julie SandersWalker and Dabney Sanders

David and Jenny SarDavid and Patti SaundersSchwab Charitable Fund

Anthony and Jeannie SedberryTom and Dana Shade

Don and Carolyn ShawBob and Ann Shepherd

John and Kirstin SheppersonRaymond and Jo Sherrer

Mark and Caroline ShogryMark and Annie Silver

Kamryn SimonsErik and Heather Singer

Jim and Tamara SlaughterBill Smith

Dixon and Madeline SmithGregory and Janet SmithLanty and Margaret SmithSterling and Natalie SmithSteve and Barbara Snavely

John and Carole SniderPete Sojka and Elisabeth Stambaugh

Rodney SpeightPaula Spinks

Ed and Merel SpiveyCharles Stamey

John and Lacy StarrJim and Deb Staton

Kevin and Jennifer SteinlHannah and Asa Stevens

Doug and Joan StoneBrad and Katie Stoneking

Herbert StrideTaylor and Sara StroudTom and Claire Sullivan

J.J. and Virginia SummerellWill and Kitty SydnorRob and Julia SypherJeanne L. Tannenbaum

Jim and Kitsy TennantTim and Grace Terrell

Christopher and Laura TewBill and Mary ThackerMatt and Emily Thiel

David and Jennifer ThompsonJohn and Jeanné Thorn

Allen and Judy TomlinsonChris and Jane TreveyTriad Women's ForumSam and Traci TurnerDavid and Beth Tuttle

Mike and Jeanne TwilleyZan and Pam Tyson

Tom Ullman and Carol YoungCraig Van Deventer and Sheila Sanders

Richard and Sylvia VanoreRichard L. Vanore

Don and Nancy VaughanRandy and Sherry Vaughan

Nancy VaughnMichael VernonSandra Vernon

Bobby and Kim WainerJohn and Ollie WallTom and Anna Wall

Mark and Mirielle WalshTom and Elizabeth WalshJack and Sarah Warmath

John and Catherine WeaverMike and Katherine Weaver

Alf and Lee WebsterBuddy and Dot WeillEd and Becky Weller

Haywood and Kathy WestRay and Lisa Wheatley

Carol WheelessBrantley and Jacalyn White

Laurie WhiteLee and Margaret WhiteVirgil and Kay Willard

Burt and Meredith WilliamsCraven and Judith Williams

Hugh and Mary Lou WilliamsJim and Victoria Williams

Stephen and Susan WilliamsDon and Gwen Willis

Eric and Susan WisemanDennis Wojtanowski

Chuck and Bert WoodPatrick and Adrienne Woods

David and Lauren WorthRobert and Ellen WorthRon and Carol Wright

Ann WycheMark and Kappie YatesWill and Ellie YearnsVann and Ann York

David and Rhonda YoungdahlSteve and Stacy YowZavala Construction

315 East Washington StreetGreensboro, NC 27401-2911

•1401 Long Street

High Point, NC 27262-2541•

902 Bonner Drive Jamestown, NC 27282-8948

Non-Profit Org.U.S. Postage

PAIDPermit No. 545Greensboro, NC

Vision

Mission

Building Safe and Healthy Families

Family Service of the Piedmont empowers individuals and families to restore hope,achieve stability and thrive through quality support services, advocacy and education.

www.safeandhealthyfamilies.comFacebook/familyserviceofthepiedmont

help in troubled timesWhen The Bell House closed lastyear due to funding cuts, it didnot just affect residents, but employees of the center as well.Patricia had been working therefor 17 years and had just boughta house the year before. Losingher job meant she would not beable to continue making hermortgage payments.

When it was announced the centerwas closing, Family Service’sConsumer Credit CounselingService reached out to Bell Houseemployees like Patricia to assistthem in applying for the MortgagePayment Program, which offersinterest-free mortgage assistanceto out-of-work homeowners whilethey search or train for a new

job. Patricia came to Family Service to begin the process.

“I met with [CCCS Counselor] Stephanie Harris. She gave me a checklistof all the things I needed to bring here and what to do,” Patricia says.“It’s a whole lot of paperwork and it takes a couple of months. I couldn’tdo all that paperwork by myself, or know what I’m doing. You need aprofessional person. Stephanie knew what she was doing.”

Together, they worked through the lengthy and exhaustive applicationover the next few weeks. “She explained everything to a tee,” Patriciasays. “She said I could always call her, if I had questions. Her door wasalways open.”

Meanwhile, Patricia was taking a computer training class to expand herjob skills. “I was thinking, I’m a supervisor and a med tech, it won’t takeme long to find a job,” she says, “But it did. It takes you a while to find ajob, even though you’re qualified.” When Stephanie succeeded in gettingher mortgage assistance application approved, the pressure to find anew position immediately was greatly reduced. “It took a lot of stress offme,” Patricia says. As part of the process, Stephanie helped Patricia create a budget to manage her expenses and income. “You’ve got tomake a list of everythingyou pay and everythingyou spend money on,”Patricia explains.“Even money youspend for birthdaypresents!” She stilluses the budget tomanage her financestoday.

“If somebody came upto me and said, myjob is ending and Idon’t know what I’mgoing to do, I wouldsay honey, you needto go to ConsumerCredit CounselingService!” Patriciasmiles. “If you’ve got no job and it’s because of no fault ofyours, they will helpyou if you qualify. It’sa great program.”