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Family Financial Wellness Resource Manual

Financial security is a goal for all families. The family unit requires support in areas concerning housing, nutrition, childcare,

education, work-force training, banking, and government resources. This manual is designed to be an aid for the family allowing for ease of finances in order to promote the family unit.

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Table of Contents !!Section

Family Budgeting Tool !Sample Budget !Housing and Utilities !Nutrition and Meal Planning !Childcare and Families !Education, Workforce Training, Employment, &

Language Services !Banking !Government Resources !Stress Management !Goal Setting

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Housing and Utilities The Friends of Children and Families (FOCAF) organization understands that having a safe and secure home is essential for families. Financial hardship and inadequate housing are shown to increase the risk of illness and parental stress.

We are dedicated to helping our FOCAF families identify resources that will alleviate the

stress related to housing. Resources in this section include utility assistance, home

purchasing, foreclosure prevention, low income housing, rental disputes, and emergency shelter.

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Utility Assistance

Community Action Partnership Association of Idaho - Telephone Assistance Program

• Provides available telephone services at affordable rates. • Assistance type

• Lifeline Assistance: Monthly discounts on payments on telephone and cell phone services.

• Eligibility Assistance: Income cannot exceed 135% above Federal Poverty Level

• Contacts: 5400 W. Franklin Rd, Suite G Boise, Idaho Phone: 208-375-7382

Salvation Army Project Share

• Pays past due utility bills. • Help with repair of heating sources. • Helps purchase propane or firewood needed to heat home. • Contacts: Ada County, The Salvation Army – Boise

4308 W State Street Boise, ID 83703

Low Income Home Energy Assistance Program (LIHEAP)

• The Low Income Home Energy Assistance Program (LIHEAP) helps assist families with energy costs.

• Assists with Home energy bills (electricity), energy crises, weatherization and energy-related minor home repairs.

• Contacts: Ms. Sara Herring, Program Specialist, Division of Welfare Idaho Department of Health and Welfare Pete T. Cenarrusa Building 450 W State Street, 2nd Floor Boise, Idaho 83720-0036 Phone: 208-334-5752 Fax: 208-850-8250

Website: http://www.idahocommunityaction.org/programs/ programsenergyassistance/

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Weatherization Assistance Program

• Idaho Power provides financial assistance to Idaho and Oregon Community Action Partnership (CAP) agencies to help cover the cost for weatherization of electrically-heated homes of income-qualified customers.

• Financial assistance for weatherization related to insulation and weather stripping to improve energy efficiency and lower energy costs.

• Contacts: El Ada Community Action Partnership (serving, Elmore, Ada and Owyhee counties)

Phone: 208-322-1242 Website:

www.idahopower.com/EnergyEfficiency/Residential/Programs/ WeatherizationAssistance/weatherizationAssistance.cfm

El-Ada Community Action Partnership - Emergency Water Utility Assistance

• Assistance available once per year for United Water or Meridian Water customers who are facing shut-off.

• Financial assistance to avoid water being shut-off • Contacts: 701 E. 44th St., Garden City, Idaho 83714

Phone: 208-377-0700 Website: http://eladacap.org/Services_Provided.html

Housing Counseling Services

Idaho Housing and Finance Association

• For any individual that is concerned with making mortgage payments, rental issues or credit counseling.

• IHA also assists with providing financial planning tools; develop budgets, and applying for housing assistance.

• Services are provided in Spanish and English. • Contacts: 565 West Myrtle,

Boise, Idaho 83702 Phone: 877-888-3135 Website: www.ihfa.org Email: housingcounseling@ifha.org or heatherb@ifha.org

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Home Purchasing

The City of Boise Affordable Housing Loan Program • Offers persons of low/ moderate income an opportunity to construct a new

home or purchase an existing home (or a Class “A” manufactured home on its own land) within Boise City Limits.

• The City loans qualified applicants up to 25% of the purchase price, or $35,000 (whichever is less) to purchase a home within Boise City Limits.

• Contacts: 1025 S. Capitol Blvd, Boise, ID 83706 Phone: 208-570-6830 Website: http://hcd.cityofboise.org/housing/homeownership/

Neighborhood Housing Services • Helps low-income families purchase homes & provides homebuyer

education. • Clients are required to invest a minimal 1% of the purchase price or

$1,000.00 (whichever qualifies as the lesser of the two). • Contacts: 1025 S. Capitol Blvd, Boise, ID 83706

Phone: 208-258-6218 Website: https://www.nhsid.org/what-we-do/home-lending

Foreclosure Prevention

Idaho Housing and Finance Association • For any individual that is concerned with making mortgage payments,

rental issues or credit counseling. • IHA also assists with providing financial planning tools, develop budgets,

and applying for housing assistance. • Services are provided in Spanish and English. • Contacts: 565 West Myrtle, Boise, Idaho 83702

Phone: 877-888-3135 Website: www.ihfa.org Email: housingcounseling@ifha.org or heatherb@ifha.org

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Neighborhood Housing Services • The Foreclosure Prevention Program is designed specifically for

homeowners who are behind, or anticipate becoming behind, in their mortgage payments on their primary residence.

• Professional counselors help homeowners establish a budget, determine strategies to prevent foreclosure, and develop a plan to get them back on track with their mortgage payments.

• Contacts: 1025 S. Capitol Blvd, Boise, ID 83706 Phone: 208-258-6224 Website: https://www.nhsid.org/what-we-do/foreclosure-prevention

U.S Department of Housing and Development

• Foreclosure prevention and homeless counseling free of charge. • Provides other counseling services for a small and reasonable charge. • Pre purchase counseling. • Reverse Mortgage counseling. • Rental counseling. • Non-delinquent post purchase counseling. • Contacts: Boise Field Office

800 Park Boulevard, Suite 220, Boise, Idaho Phone: 208-334-1990

Low Income Housing

Ada County CATCH

• Provides rental assistance to families • Helps coordinate affordable housing • Must have children under the age of 18 • Must be homeless with no other housing available • No outstanding warrants, sex offenders • Willing to submit drug test • Contacts: 503 Americana Blvd., Boise, Idaho

Phone: 208-246-8830 Website: http://www.catchprogram.org/programs/catch-boise/

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Boise City/Ada County Housing Authority • Public Housing

o City of Boise owed apartment complex o Funding from US Department of Housing and Urban Development o Must meet income eligibility criteria o Participants contribute 30% of monthly income

• Section 8 Housing Vouchers

o Very low-income families receive voucher for housing. o Participants contribute 30-40% of monthly income towards housing o Boise City/Ada County pays the difference o Must meet income eligibility criteria

• Contacts: 1276 W. River St., Suite 300, Boise, Idaho Phone: 208-345-4907

City of Boise Housing & Community Development

• Rental housing for low-income families • Housing & Community Development manages over 270 affordable rental

units, including studios, 1-3 bedroom units and several single-family houses. Applicants must meet eligibility requirements and pay a $15 application fee.

• Contacts: 1025 S. Capitol Blvd, Boise, ID 83706 Phone: 208-384-4158 Website: http://hcd.cityofboise.org/housing/rentals/

Neighborhood Housing Services

• Rental housing for low-income families • NHS owns 285 affordable rental housing units located in Boise and

Nampa, Idaho. Apartments in multifamily communities are reserved for families earning at or below 60% of Area Median

• Contacts: 3380 W. Americana Terrace, Suite 120, Boise, ID 83706 Phone: 208-343-4065 Website: https://www.nhsid.org/what-we-do/affordable-housing

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Rental Disputes

Idaho Legal Aid • Free legal services for qualifying incomes • Assistance with: Evictions, Fair Housing Act, Homeowner rights, House

foreclosure, Mobile home tenants, Property taxes, Rights of tenants, Safe housing, Utility bills.

• Contacts: 310 N. 5th Street, Boise, ID, 83702 Phone: 208-345-0106 Website: http://idaholegalaid.org

Emergency Shelter

River of Life Men’s Shelter

• Free overnight shelter for men • Contacts: 575 S. 13th St., Boise, ID 83702

Phone: 208-389-9840 Website: http://www.boiserm.org/#/need-help/food-shelter

City Light Home for Women & Children • Free overnight shelter for women and children • Contacts: 1404 W Jefferson St, Boise, ID 83702

Phone: 208-368-9901 Website: http://www.boiserm.org/#/need-help/food-shelter

Charitable Assistance to Community’s Homeless (CATCH)

• A partnership between the City of Boise, local church congregations and the business community, CATCH provides long-term supportive housing for homeless families with children.

• Provides housing first, then coordinates social services and case management to address the issues which contributed to the family's episode of homelessness.

• Contacts: 1025 S. Capitol Blvd, Boise, ID 83706 Phone: 208-570-6830 Website: http://hcd.cityofboise.org/homelessness/catch/

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Hope’s Door

• Safe shelter with 24-hour staff assistance, private rooms and common living facilities for women and children who are fleeing domestic and/or sexual assault.

• All residents receive the benefit of other services free of charge while in the emergency shelter program.

• Contacts: P.O. Box 1496, Caldwell, ID 83606 Phone: (877) 459-4779 Website: http://www.aafvhope.org/services/emergency-shelter/

Salvation Army Finally Home

• Helps families with children • Helps obtain permanent residence • Pays for rent and utility residence until family is self-supporting • Provides case managers and social workers • Contacts: 4308 W. State Street, Boise, Idaho

Phone: 208-433-4430

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Nutrition

With 2 out of 3 adults and 1 out of 3 children considered overweight or obese in America, it is

important to maintain proper nutrition along with exercise. The typical American diet is high in saturated fat, salt (sodium), and sugar. Many people think that eating healthy is too expensive and time consuming. However with the proper

resources, eating healthy can be fun, cheap, and attainable every day!

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Meal Planning

You will find in this section: • Seasonal vegetables/fruit available in Idaho month by month • Kid-friendly, healthy recipes • Tips on grocery shopping • Gardening tips

Preparing Healthy Recipes

Eating healthy can be done on a budget and by preparing kid-friendly recipes, kids are able to eat healthy for a minimal cost. It is a good

idea to get all grocery shopping done for the week to prepare healthy recipes for the week ahead.

English Muffin Pizzas What you’ll need:

- Oven - Baking sheet

Ingredients: - English muffins - Pizza sauce of any kind - Favorite toppings: veggies, pepperoni, pineapple, etc…

Directions: 1. Preheat oven to 425 2. Separate the English muffin 3. Apply sauce, cheese, and toppings. 4. Bake for 8-10 minutes or until edges are crispy 5. Cool slightly before serving.

Estimated cost:

$8.24 to make, $2.06 per person (family of 4)

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Seasonal Fruit/Vegetables in Idaho By purchasing fruits and vegetables that are in season, you will be getting the highest quality produce at the lowest price in grocery

stores, and fruit stands.

January Apples Onions Potatoes

February Apples Onions Potatoes

March Apples Onions Potatoes

April Apples Asparagus Potatoes

May Apples Asparagus Potatoes

June Cherries Lettuce Peas Snap peas Potatoes Radishes Raspberries Rhubarb Spinach Strawberries

July Apricots Beans (snap) Cherries Corn Cucumbers Fresh herbs Nectarines Peas Snap peas Potatoes Radishes Raspberries Rhubarb Strawberries Tomatoes Zucchini

August Apples Apricots Beans (snap) Blueberries Carrots Corn Cucumbers Melons Nectarines Onions Peaches Peas Snap peas Squash Plums/pluots Potatoes Radishes Raspberries Rhubarb Strawberries Tomatoes Zucchini

September Apples Blueberries Carrots Corn Cucumbers Gourds Grapes Melons Nectarines Onions Peaches Pears Peas Plums/pluots Potatoes Pumpkins Squash Raspberries Tomatoes Zucchini

October Apples Carrots Gourds Grapes Onions Peaches Pears Potatoes Pumpkins Squash Tomatoes

November Apples Carrots Gourds Onions Pears Potatoes Pumpkins Squash

December Apples Onions Potatoes Squash

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Grocery Shopping Tips

1. Always go to the store with a list- If you go without one, you will find yourself buying a lot of items that you do not really need.

2. Plan out a weekly menu before you go shopping- This will help in saving time throughout the week.

3. Never go to the grocery store when you are hungry- You will want to buy a lot of junk food, just don’t do it.

4. Have a budget- Know exactly how much you can spend and try your best not to go over this limit.

5. Keep a grocery list on your fridge- Write down things immediately and take that list with you to the store. Write things down on this list the moment you are getting low.

6. Keep things stocked for quick-n-easy meals- Frozen vegetables, pasta, pasta sauce, tuna, cheese, and fruits.

7. Buy in bulk, but only when it makes sense- If you can save money, buy in bulk if you will be using it all before it goes bad.

8. Keep your receipts- Receipts can be used as a price list. This will help you know what is a good deal will also help you keep track of your spending

9. Pack your own lunches/snacks- Buying pre-made snacks and meals is convenient, but a huge waste of money. Buy little baggies and snacks in bulk.

10. Make leftovers for lunch or into a new meal altogether- Cook a little extra each night so that you can have leftovers. Leftovers are great for next-day kid lunches!

11. Clip coupons- It may seem like a lot of trouble but it will save you a ton of money! Check store entrances, newspapers and flyers for coupons.

12. Look for specials- Every store has specials and they are always different, on different days. Often times, they have unadvertised specials in higher and lower shelves- places that you may not look.

13. Buy store brand- Brand names are no better than generic, save your money and go for store brand.

14. Buy seasonal fruits and vegetables when possible for low cost- (See above chart)

15. Commit to drinking water- It saves money and makes you healthy

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Meal Planning

Not sure what to cook this week? Try a menu plan with a weekly grocery shopping list. Here is an example from EatingWell.com with

everything you need to prepare meals at three dollars a meal. For additional resources please contact your family educator.

Sunday Monday Tuesday Wednesday Thursday Friday Saturday

Louisiana Catfish with okra & Corn, with mashed potatoes

Pork Chops au Poivre, with roasted carrots brown rice and green salad

Cheese-&- Spinach Stuffed Portobello’s, with whole wheat fusilli

Sweet-&- Sour Chicken Drumsticks, with roasted sweet potatoes and salad

Beef & Cabbage Stir-Fry with Peanut Sauce, with brown rice

Salmon Rösti, with steamed green beans

Black Bean Croquettes with Fresh Salsa, and warm corn tortillas

Produce

� Avocado, 1 medium � Cabbage, Savoy, 1 small head � Carrots, 2 pounds � Cilantro, 1 bunch � Corn, 2 ears (or 2 cups frozen) � Dill, 1 small bunch � Garlic, 1 head � Green beans, 1 pound � Lemon, 1 medium � Lettuce (whatever looks best), 2 heads � Mint, 1 bunch � Okra, 2 cups (or frozen) � Onions, 1 medium yellow and

1 medium red � Orange, 1 medium � Portobello mushroom caps, 4 large � Potatoes, 2 pounds � Scallions, 1 bunch � Shallot, 1 medium � Spinach, 1 small bag � Sweet potatoes, 11⁄2 pounds � Tomatoes, 4 medium

Dry Goods

� Black beans, two 15-ounce cans � Breadcrumbs, plain dry, 1 small

container � Capers, 1 small jar � Marinara sauce, 1 small jar � Olives, kalamata � Peanuts, roasted, 1 small jar � Salmon, two 6- to 7-ounce cans � Whole-grain mustard, 1 small jar � Whole-wheat fusilli, 8 ounces

!Spices

� Cajun (or Creole) seasoning � Chili powder � Coriander, ground � Cumin, ground � Italian seasoning

!Meat & seafood

� Beef sirloin, 1 pound � Catfish fillets, 1 pound � Chicken drumsticks, 8 (about 2

pounds) � Pork chops, four 4-ounce boneless,

1⁄2 inch thick

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Refrigerator

� Eggs � Orange juice, 1 small container � Parmesan cheese, 1 ounce � Ricotta cheese, part-skim,

1 small container � Sour cream, reduced-fat, 1 small

container � Tortillas, corn, 1 package

!Freezer

� Corn, 1 small bag � Hash-brown shredded potatoes,

12 ounces

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Miscellaneous

� Brandy, 1⁄2 cup

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Staples

� Black pepper � Brown rice � Canola oil � Cider vinegar � Cornstarch � Flour, all-purpose � Honey � Olive oil � Peanut butter, natural smooth � Rice vinegar � Salt � Soy sauce, reduced-sodium � Sugar

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Gardening Tips

Gardening is not only a great activity to do with friends and family members, but it is also a healthy and cost-effective way to eat fruits and vegetables. Gardening puts fresh fruits and vegetables right at your fingertips! Although it may cost more to start a garden initially, over time your garden with continue to grow produce, eliminating the need to buy overpriced produce at grocery stores. Container Gardening

• Estimated cost: $80 • Supplies needed: containers, gardening soil, hand rake, seeds, water, compost • What you can grow: tomatoes, potatoes, cucumbers, carrots, peppers, green

onions, turnips, green beans, lettuce, squash • Early spring is the best time to shop for supplies • Dollar stores give away gardening soil for very cheap in the early spring • Containers range anywhere from $5-10. You may use recycled containers or

cinder blocks to grow • Large 5 gallon buckets make great planters for cheap • Plant only what you will eat and what is most expensive in the stores

In-Ground Garden Bed • Estimated cost: $90- 160 • Supplies needed: gardening soil, compost, seeds, water, trellis/stakes (for

tomatoes or squash), hand tiller/rake • What you can grow: cabbage, corn, beets, pumpkins, watermelons, squash,

tomatoes, peppers, potatoes, eggplant • If you have good soil in your yard or area where you are planting, you will not

need to purchase gardening soil • Seeds can be taken directly from purchased produce • Plant only what you will eat and what is most expensive in the stores

Balcony Garden

• Estimated cost: $30-40 • Supplies needed: window box/hanging box, garden soil, seeds, water • What to grow: lettuce, greens, spinach, oregano, basil, chives, tomatoes, carrots • Plant only what you will eat and what is most expensive in the stores

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Raised Garden Bed • Estimated cost: $50-100 • Supplies needed: garden bed, top soil, compost, grass clipping, seeds, water, hand

rake • What you can grow: rhubarb, asparagus, beans, broccoli, Brussels sprouts,

pumpkins, spinach • You can make your own garden bed in 1/3 of the price as it would be to buy one. • The frame should cost no more than $10 • For additional savings, create your own compost at home and purchase top

soil/seeds in early spring • Plant only what you will eat and what is most expensive in the stores

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Grow-a-Row

Grow-a-Row program offers free information and seeds to residents in Boise, ID. The purpose of this program is to encourage individuals to garden and grow their own nutrient-packed fresh food. All you need to do, is show up and collect your free Grow-a-Row packet! Benefits

• Each free packet includes: 6 seed packets (cucumbers, squash, radish, beans, spinach, turnips)

• Planting and gardening tips • A seed planting guide • Distribution list for local food pantries by neighborhood • Contacts: Packets are available for pick up at these Boise locations.

Boise Urban Garden School office, 731 N. 15th St. Idaho Botanical Garden, 2355 Old Penitentiary Road Health Wise, 2601 Bogus Basin Road Boise Parks & Recreation administration office, 1104 Royal Blvd.

SNAP- Supplemental Nutrition Assistance Program

SNAP is a Federal program which provides low-income individuals with money each month to purchase food items. This program issues an electronic benefit transfer card (EBT) which works much like a debit/credit card. You can then use the EBT card to purchase food at the grocery store. Benefits

• Receive monthly allowance to buy food items from grocery stores • Average Monthly Allowances

• $133.79 per individual • $289.61 per household of 4

** Items you CANNOT purchase using food stamps: Hot deli items, Tobacco, Alcohol, Supplements, Non-food items **

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• Contacts: To apply to be a SNAP participant, visit a Idaho Health & Welfare location near you. 1720 Westgate Dr., Suite A, Boise, ID 83704 823 Park Centre Way, Nampa, ID 83651 Phone: 1-877-456-1233 Website: http://healthandwelfare.idaho.gov/FoodCashAssistance

WIC- Special Supplemental Nutrition Program for Women, Infants and Children

The program provides Federal grants to states for supplemental foods, and nutrition education for low-income pregnant, breastfeeding, and non-breastfeeding postpartum women, and to infants and children who are found to be at nutritional risk. The program issues paper checks to qualified participants to purchase supplemental foods at the grocery stores. Benefits

• The amount on paper check depends on the supplemental needs of the individual • There are maximum monthly allowances • Children & breast-feeding women- Juice, milk, breakfast cereal, cheese, fruits and

vegetable, whole wheat bread, canned fish, dry/canned legumes or peanut butter • Infants- WIC formula, infant cereal, baby fruits and vegetable, baby food, meat • Contacts:

To apply to be a WIC participant, contact your state agency representative. Cristi Litzsinger, Manager, Idaho WIC Program Bureau of Clinical and Preventive Services Department of Health and Welfare P.O. Box 83720 450 W. State Street – 1st Floor Boise, ID 83720-0036 Phone: (toll-free in-state) 1-866-347-5484 Voice Mail: 208-334-5948

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Idaho Food Bank

The Idaho Food Bank is an independent non-profit organization. It is the largest hunger relief organization with warehouses in Boise, Lewiston and Pocatello. The main warehouses distribute food to emergency food pantry, free meal site, emergency mobile pantry and pantry/feeding sites located across Canyon, Ada, Valley, Owyhee, Elmore, and Payette counties. To find a food bank or pick up area near you, contact Idaho Care Line at 211. Benefits

• Visit your local food bank on scheduled date to pick up your groceries • The groceries may be pre-packed or you may allow to pick out what you need • You may be allowed to pick out 10 boxed items, 10 can items and 3 meats • Contacts:

Boise Food Bank Main Facility 3562 South TK Ave. Boise, Idaho 83705 Phone: 208-336-9643 Office Hours: 8:00am to 5:00pm, Monday – Friday Warehouse Hours: 7:00am to 5:00pm, Monday – Friday

** Valleyride Bus Routes 1 Parkcenter & 2 Broadway stop at this location **

Free Meal Programs

Backpack Program/ School Pantry Many impoverished families rely on school meals provided by the Free and Reduced Lunch Program to feed their children, but these meals are not available on weekends. The Backpack Program provides weekend meals to children and the weekend backpack weighs about six pounds. The meals are distributed to children’s backpacks on the last day of the school week. The School Pantry Program provides families with emergency foods at schools. Families can choose the food they will use and the food they need directly from school pantries.

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Benefits • 2 breakfasts • 2 lunches • 2 dinners • 2 snacks

• Contacts: Boise Food Bank Main Facility 3562 South TK Ave. Boise, Idaho 83705 Phone: 208-336-9643 Office Hours: 8:00am to 5:00pm, Monday - Friday Warehouse Hours: 7:00am to 5:00pm, Monday – Friday

** Valleyride Bus Routes 1 Parkcenter & 2 Broadway stop at this location ** Also contact your child’s school for more information on Backpack Program and School Pantry availability. Picnic in the Park The program usually takes place from June 3rd to August 16th (closed on the 4th July) during summer school break. Free lunch is provided to all children, age 1-18 and no need to provide income verification and identification. Adult meals can be purchased for a low cost. Benefits Summer Lunch Menu Sponsored by the Idaho Food Bank

• Monday – Turkey and cheese sandwich, carrots, apple slices and milk

• Tuesday – String cheese or yogurt, whole banana, grapes and milk

• Wednesday – Hard boiled eggs, muffin, whole oranges, carrots and milk

• Thursday – Tuna and crackers, celery, apple slices and milk

• Friday – Jamwich, string cheese or yogurt, whole orange, fruit squeezer and milk • Contacts:

Boise School District Phone: 208-854-4090 Website: www.boiseschools.org/food Boise Food Bank Main Facility 3562 South TK Ave. Boise, Idaho 83705 Phone: 208-336-9643 Office Hours: 8:00am to 5:00pm, Monday - Friday Warehouse Hours: 7:00am to 5:00pm, Monday – Friday

** Valleyride Bus Routes 1 Parkcenter & 2 Broadway stop at this location **

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Idaho Community Gardens The community gardens provide low-income families with nutritious fresh produce. Its purpose is to eliminate hunger by supporting new and existing community gardens through volunteering, educational programs to promote self-sufficiency, and partnership with the Idaho Food Bank to supply fresh produce within the community. Contacts:

For more information on garden locations and pick up schedule, contact: Ruby Valdez-Sanchez Phone: 208-336-9643 ext. 2683, 208-577-2683 Website: digin@idahofoodbank.org

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Childcare and Families

Childcare is a major financial stressor for many families and finding high quality, affordable

childcare can be a challenge. In this section you will find resources to aid you in your search for

childcare. It includes resources that assist with affordability and resources that help you know what

to look for and the right questions to ask when looking for childcare to help ensure the safety and

wellbeing of your children.

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Idaho Child Care Program

The Idaho Child Care Program (ICCP) is a program that pays a portion of childcare expenses for qualifying families in order for parents to work, attend school, or participate in approved activities to help keep children from being placed in foster care.

Benefits • Eligibility is based on household size and gross income • Parents are responsible for paying a portion of the childcare (co-pay) based on a

number of circumstances including residency, work/training activities, and income

• Apply for assistance at your local health and welfare office or print out application online and submit to your local health and welfare office

• Contacts: Health and Welfare Office Locations

Ada County- 1720 Westgate Dr. Ste. A, Boise, ID 83704 Elmore County- 2420 American Legion Blvd., Mountain Home, ID 83647 Phone: Idaho CareLine: 2-1-1 or 1-800-926-2588 Website: www.healthandwelfare.idaho.gov

How do I find childcare?

Free resources are provided through the Idaho Health and Welfare to help you.

Idaho Care Line Dial 2-1-1 • Helps parents find suitable childcare

Idaho Stars • Quality Rating for some area child care facilities • Dial 2-1-1

Craigslist • Free classified website-see childcare listings • Look for ICCP providers and Idaho Stars ratings.

Local News Websites • KTVB • Idaho Statesman

** Note not all of these websites have been evaluated for safety, please utilize Idaho

Care Line for further information on finding quality childcare **

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After School and Summer Programs

Boys and Girls Club of Ada County • Safe place for children 6-18 years of age to go before and after school. • Enables children to participate in various activities including homework

assistance, before and after school while their parents work or attend school. • Meals are provided during the school year program. • Free transportation from select area schools • After school program open 3-8 pm • Summer program 11am-6pm, extended care available for additional fee. • Cost: $10 for school year program, $20 for summer. No one is turned away for

inability to pay. • Locations in Boise, Meridian, Garden City, and Nampa (call to ask about other

program locations) • Contacts:

Phone: 208-376-4960

Recreation

Recreation is an important way to stay active in your community and as a family to build confidence and wellness.

** Tip- If you want to enroll your child in a particular activity, but don’t think you can afford it, call and ask if there is financial assistance available. Some programs offer, but

may not openly announce the availability of financial assistance. ** YMCA The YMCA offers a wide variety of activities that focus on youth development, healthy living, and social responsibility. Benefits

• The YMCA does not turn away anybody based on inability to pay. Financial assistance is available for those who cannot afford the cost of membership.

• The financial assistance application is a simple one-page application that is turned in along with the membership application.

• Apply in person at your nearest YMCA or download and print online application at www.ymcatvidaho.org

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• Contacts:

Downtown Boise Branch 1050 West State Street Boise, ID 83702 Phone: 208-344-5501

West YMCA Branch 5959 North Discovery Place Boise, ID 83713 Phone: 208-377-9622

Meridian/Eagle (Homecourt) Branch 936 Taylor Avenue Meridian, ID 83642 Phone: 208-855-5711

Caldwell Branch 3720 Indiana Avenue Caldwell, ID 83605 Phone: 208-454-9622

Website: www.ymcatvidaho.org

Boise Parks and Recreation: Community Centers Boise Parks & Recreation operates 7 community centers in neighborhoods throughout the city. All of the centers provide free or low-cost programs for children, including homework assistance, art projects, games and other activities.

Benefits

• Art rooms with kilns, dance studios, fee-based programs for children and adults • Free after-school drop-in activities for kids in grades 4-6 will feature fitness and

art programs, homework assistance and a healthy snack provided by the Idaho Food Bank.

• Computer stations, a big-screen TV, and interactive video games for teens. • Contacts:

City Recreation Office Phone: 208-608-7650 Website: www.parks.cityofboise.org

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Boise Parks and Recreation: Activities, Classes, and Sports Boise Parks and recreation has a variety of activities, classes, and sports throughout Ada County. Benefits

• Scholarships are available for youth. Eligibility criteria are based on family size, gross income, or a letter explaining circumstances.

• Kristen Armstrong Youth Scholarship application is available online at parks.cityofboise.org.

• City of Boise resident participants may receive up to $500.00 per person, per fiscal year. Fiscal year begins with Fall Season.

• Contacts: City Recreation Office Phone: 208-608-7650 Website: www.parks.cityofboise.org

** For question regarding scholarships ** Phone: 208-608-7680 Fax: 208-608-7699 Email: BReynolds@cityofboise.org

Idaho Shakespeare Festival School of Theatre Creative Theater Classes for Students Pre-K – Grade 12. Benefits

• Opportunities to learn the basics of acting and/or musical theatre • Need-based scholarships are available • Contacts:

Boise Contemporary Theater, 854 Fulton Street in Downtown Boise. Renee K. Vomocil, Director of Education

Phone: 208-429-9908 ext. 206 Fax: 208-429-8798 Email: info@idahoshakespeare.org Website: www.idahoshakespeare.org/drama-school

Mountain Home Youth Center A non-profit organization offering a safe place for the community’s youth. Benefits

• A safe, secure place for children in grades 1st - 12th. Children not in school are welcome with the supervision of a parent or guardian

• Open after school Monday - Thursday: 3pm - 6pm and Fridays: 3pm - 10pm

• Contacts: 130 North Main Mountain Home, ID 83647 Phone: 208-587-4765 Email: info@mountainhomeyouthcenter.com

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Website: http://www.mountainhomeyouthcenter.com Community Libraries Multiple library locations offer a variety of educational activities for children and families. Benefits

• Story time and Spanish classes for children, family movie and game nights, educational workshops and more.

• Contacts: Mountain Home (Elmore County)

Website: http://mountainhome.lili.org/node/93 Boise, Meridian, Garden City (Ada County)

Website: http://www.boisepubliclibrary.org

Free and Low-Cost Recreation

Various free activities for children and families in Elmore and Ada communities. Idaho Statehouse/Capitol Building

• Learn about the legislation process and visit a historical part of Idaho • Free to the public • Contacts:

700 West Jefferson Street, Boise, Idaho Website: http://legislature.idaho.gov/capitol/capitol_building.htm

** Hours of operation vary by month ** January - March: Monday - Friday 6:00 a.m. - 10:00 p.m. April - December: Monday - Friday, 6:00 a.m. - 6:00 p.m.

Saturday - Sunday and Holidays, 9:00 a.m. - 5:00 p.m. Idaho Black History Museum A small museum that highlights the history and culture of African Americans in Idaho and presents exhibits, provides educational and outreach programs, and guest speakers.

• Admission is free to the public • Contacts:

508 Julia Davis Dr, Boise, ID 83702 Phone: 208-433-0017 Hours: Open Saturday-Sunday 11am-4pm

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“Live After Five” Boise Summer Concert Series

• Outdoor concert series featuring a variety of musical artists every Wednesday • Fun for the whole family • Kids can listen to music and play in the nearby Grove water fountain • Free admission • Seats available, but with limited availability- first come, first serve • Contacts:

Wednesdays, June 5-Sept 4, 5-8pm Boise Center on the Grove Website:!http://www.downtownboise.org/index.cfm/events/

dba_events/alive_after_five

** Check your Idaho Statesman newspaper (Life Section) or the Boise Weekly for a listing of weekly artists **

Boise Depot

• Historical Train depot • Visit a train station and pack a lunch to eat at the park. • Free Admission • Contacts:

2603 W Eastover Terrace, Boise, ID 83706 Hours: Open Sunday and Monday 11-5

Preschool and Toddlers Open Gym

• Children can enjoy slides, plastic cars, balls and hula hoops in the gym with their parents

• $1 per child • Tuesdays and Thursdays, 9-11am • Contacts:

Fort Boise Community Center 700 Robbins Rd, Boise, ID 83702 Phone: 208-608-7652, 208-384-4486

Meridian Parks and Recreation • 20 parks in the city of Meridian • “Free Friday Movie” nights in the summer at Settler’s Park • Julius Kleiner Park • Open park areas and water activity for children to cool off in the summer • Contacts:

Phone: 208.888.4433 Website: www.meridiancity.org/activityguide/

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Barnes & Noble Story Time

• Weekly gatherings for children and families • Multiple reading sessions per week, usually on Wednesdays and Saturday • Midday and evening reading sessions • Free admission • Contact:

For more information on dates, times, and the featured story to be read: 1315 North Milwaukee Boise, ID 83704 Phone: 208-375-4454 Website: www.barnesandnoble.com ! Go to Stores & Events, then Find an Event

** For more free area activities, check out listings posted in the Idaho Statesman Boise Weekly, and Treasure Valley Family Magazine **

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Education, Workforce Training,

Employment, & Language Services

Education can be a major expense, but is an important first step on the path to financial wellness for families. Ada and Elmore Counties have a broad range of options for the adult student. Financial Aid

and scholarships are available to students that qualify. This section contains resources to obtain

your educational goals including GED, ESL, technical training and college.

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GED Testing and Preparation

GED Financial Aid, El-Ada Community Action Program • Offers financial support up to 125% of the federal poverty level for individuals

wishing to prepare for and take the GED test through the College of Western Idaho. This service is available at the

• Contact: Boise Community Resource Center

2250 S Vista Ave, Boise, ID 83705 Phone: 208-345-2820

Elmore County Office 585 N 3rd East, Mountain Home, ID 83647 Phone: 208-587-8407

GED Testing in English and Spanish, College of Western Idaho (CWI)

• CWI offers various services for adults and out-of-school youths to help them obtain their GED, which is equivalent to a high school diploma. Having your GED will help you qualify for more job opportunities and gain entry into most U.S. colleges and universities. GED graduates, just like high school graduates, are also eligible for financial aid for college.

• To take the exam you must be at least 16 years old and not currently enrolled in high school or have received a high-school equivalency credential. Applicants who are 16 and 17 years old must submit an age-waiver form when they take their test. To take the test, you have to be able to read, compute, interpret information and express yourself in writing similar to more than half of high school seniors.

• If you aren’t sure if you’re ready for the test, CWI offers free classes to help you improve your reading, math, and language skills prior to GRE testing. Tests are offered at multiple times throughout the year at both Boise and Nampa CWI locations.

• Tests cost $20 and re-tests are $25. • You must register to take your test online/over the phone or in-person at one of

the CWI locations and indicate which language (English or Spanish) you want to test in when you register. Arrive 30 minutes before your test time with a valid photo ID, registration paperwork, and receipt.

• The entire GED is actually five tests covering writing, social studies, math, reading, and science. Calculators are provided for part of the math section. Plan on being at the testing center for 7-8 hours the day of your test.

• Contacts: Phone: 208-562-3000 (for more information on GED preparation) Phone: 208-562-2068 (to register for your test) Website: http://cwidaho.cc/academics/general-educational-development-ged.

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CWI Locations:

Ada County Center, 1360 South Eagle Flight Way Boise, ID 83709, open Monday-Thursday 8am-6pm and Friday 8:30am-5pm, 208-562-3000 Canyon County Center, 2407 Caldwell Blvd. Nampa, ID 83651, open Monday-Thursday 8:00am-5pm and Friday 8:30am-5pm, 208-562-3000 CWI at Boise State University, 1464 University Dr. Boise, ID 83706 Eagle River Center, 485 E. Riverside Drive Eagle, ID 83616, 208-562-3000, open Monday-Thursday 8:00am-5pm and Friday 8:30am-5pm, 208-562-3000

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Adult Basic Education, Computer Skills, Adult Literacy

Learning Lab, Inc.

• Offers individualized free courses for kids and adults in basic skills education, including math, reading, writing, spelling, and workplace skills. Knowing these basic skills can help increase job performance or qualify you for more jobs.

• Coursework can also be used to prepare for the GED test. Instruction involves using a computer and one-on-one tutoring as needed.

• Basic computer skills, such as general computer orientation and keyboarding are taught. Most students attend class twice a week with each class session lasting 2-2 ½ hours.

• Classes are offered mornings, afternoons, and evenings in 3 different locations, including Garden City and 2 Boise locations.

• Contacts: To enroll please contact Martha Phone: 208-571-7681 Email: marthas@learninglabinc.org.

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Adult Basic Education Classes, College of Western Idaho (CWI)

• CWI offers the Basic Skills Improvement Program for adults and younger adults who are out of school to help improve writing, reading, and math skills for future jobs or to prepare for the GED test.

• Program classes are free and offered at all CWI locations (see list above), plus in Mountain Home and Emmett.

• To get started you must attend an ABE orientation and have your current skills assessed, then you meet with an advisor and start your coursework.

• Contacts: For more information about the program and locations, contact an ABE Coordinator: Liz Otterness, Boise Program Supervisor

Phone: 208-562-2572 Valerie Stacy, Nampa Program Supervisor Phone: 208-562-2087

Monica Brixey, Outreach/Distance Learning Supervisor, Email: monicabrixey@cwidaho.cc.

English as a Second Language (ESL)

English as a Second Language Classes, College of Western Idaho Free classes offered at CWI Nampa and Boise Office (see GED section for CWI location listings) and the CWI Satellite Office, Oak Park Plaza 2323 S Vista Boise, call -208-562-2571 or 208-562-2014 for a current class schedule. Boise Language Interpreter Service (BOINT) Language interpreter and translator services for individuals who speak limited English. Request services at www.boiseinterpreters.com or in an email to MiroslavBarac@boisestate.edu.

Workforce/Technical/Job-Training Programs

Short-Term Career Focused Development, College of Western Idaho (CWI) • Offered through CWI Business Partnerships/Workforce Development. Short-term

training programs designed to help boost job skills, learn new career skills, and earn certifications to become a more qualified job applicant.

• There is no application and transcripts are not required. You must be 16 years or older and have a high school diploma to sign up.

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• Payment can be made in-person, over the phone, or online and as cash, check, card, or money order. Payment plans may be available.

• Classes are held at a variety of locations throughout the Treasure Valley and are taught by experienced professionals. Some programs can be completed online.

• Classes are pass/fail only and do not earn college credit. • Programs are available in the following business fields: construction and

apprenticeships, emergency medical services, healthcare, manufacturing and trades, and technology and business solutions.

• Contacts: Phone: 208-562-3000 Monday-Thursday 8am-6pm, Friday 8:30am-5pm. Website: http://cwidaho.cc/academics

Ed-to-Go, Workforce Training ONLINE Courses, Eastern Idaho Technical College • Short sessions that start monthly and you have six weeks to complete. The entire

course is completed online- there is no need to visit a classroom. • Most courses entail 24 hours-worth of material and award a certificate of

completion after passing a short test. • Courses offered in various areas designed to enhance professional and personal

development, including: accounting and finance, business, college readiness, computer programs/applications, design and composition, health care/medical, language and arts, law and legal, personal development, teaching, education, technology, writing and publishing.

• You will need Internet access, an e-mail address, Internet Explorer or Mozilla Firefox Web browser, and the latest Adobe Flash and PDF plug-ins. Visit http://www.adobe.com/downloads and click Get Adobe Flash Player and Get Adobe Reader to download these free plug-ins.

• Payments are typically made online using a debit card, but there may be over-the-phone and mailing options available.

• Contacts: Soncia Alvarez Phone: 208-524-3000, ext. 3344 Email: soncia.alvarez@my.eitc.edu Website: www.ed2go.com/eitc.edu

Employment Services

El-Ada Causal Labor Program • Helps connect individuals with temporary employment opportunities. • Contacts:

Boise Community Resource Center, 2250 Vista Ave. in Boise Hours: 8-11:30am Monday-Friday. Phone: 208-345-2820

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Labor Ready Temporary Service

• Temporary workers are needed and job opportunities are available. • Labor Ready is an equal opportunity employer and encourages diverse candidates

to apply for employment. • Job areas may include construction, manufacturing, warehousing, retail, events

and hospitality, waste management. • Contact:

For more information or to ask about job availability, visit the office at 1088 N. Orchard St. in Boise Hours: Monday-Friday 6am-6pm, Saturday 7-10am and 5-6pm Phone: 208-331-3606

Pro People Staffing Services • A job agency that helps local businesses hire new employees for temporary and

full-time job positions and may be able to direct you to current job openings. • Pro People helps hiring businesses recruit, screen, and interview potential job

candidates. This may include performing employment and social security verifications, background checks, and drug tests.

• Contacts: Boise Office, 10369 W. Emerald, Suite 100, Boise, ID 83704, Phone: 208-345-5747

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Workforce Investment Act (WIA) Program for Idaho Adults/Dislocated Workers, Idaho Department of Labor The WIA Program is a program paid for by the federal government and was designed to help adult workers and dislocated workers find and hold new jobs. Provided services are offered in three different levels ranging in intensity (Core, Intensive, and Training Levels).

• An initial assessment of the individual’s needs and abilities will decide how in-depth of services they will receive. Individuals may receive assistance through job referrals, job search assistance, job placement assistance, or specialized employment services such as GED preparation, basic skills training (math, language, computer), skills retraining, relocation help, or out-of-area job search assistance.

• To be eligible for services you must be age 18 or older, a US citizen or eligible to work in the US, comply with Selective Service registration requirements and local/state residency requirements when appropriate.

• Dislocated workers must meet the above criteria plus be unemployed due to a plant closure within the last 3 years (includes pending closures) or unemployed due to a lay off within the past 3 years or received a notice of layoff, and is unlikely to return to his/her previous occupation, or self-employed but business has failed, or a displaced homemaker. You may be asked to provide certain documentation to determine eligibility (e.g. birth certificate, social security card, layoff notice).

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• Contact: Idaho Works Service, Region III Southwest Idaho WIA Providers Hours: Open Monday-Thursday 9am-5pm, Friday 9am-12pm

Boise Office, 219 W. Main St. Phone: 208-332-3575, Meridian Office, 1090 E. Watertower Suite 100 Phone: 208-364-7785, Canyon County Office (Caldwell) 4514 Thomas Jefferson Street Phone: 208-634-7781 Elmore County Office (Mountain Home) 1150 American Legion Blvd. Phone: 208-364-7788

Trade Act Assistance, Idaho Department of Labor

• Idahoans who lose their jobs due to plant closures when a manufacturer shifts production to countries outside the U.S. may be eligible for retraining services and reemployment opportunities.

• Workers may be eligible if they have lost jobs because their company outsourced jobs to companies in foreign countries or if they are family farmers or farmworkers adversely affected by the North American Free Trade Agreement and don’t qualify for unemployment.

• Services may include training, re-employment services, job search assistance, relocation assistance, health insurance tax credits, and weekly allowances for workers who have exhausted their unemployment benefits.

• To receive benefits your past/former employer must be certified as eligible by the state and federal Departments of Labor. To petition for your company’s certification.

• Contact: Idaho Department of Labor, Workforce Development Division 317 W. Main St. Boise, ID Phone: 208-332-3570

Unemployment, Idaho Department of Labor Unemployment benefits provide temporary financial help to Idaho workers unemployed through no fault of their own. To receive benefits, you must file an electronic unemployment claim through the Idaho Department of Labor.

• You will need several documents to file a claim, including your work history for the past two years and your Social Security number/Alien Registration number and card.

• Contact: For more information about filing a claim Idaho Department of Labor 317 W. Main St. Boise, ID Website: visit http://labor.idaho.gov Phone: 208-332-3570

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Banking

Financial institutions can be complex and confusing. Many may feel overwhelmed with questions and

concerns regarding banking and financial information. This section presents frequently asked

questions regarding what to ask your banker, what to expect when considering opening a bank account and

some of the services to avoid that may pose a financial threat.

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Questions for Your Bank

What do I need to open an account at your bank?

Most financial institutions require at least one form of photo identification. Some will require proof that you or a family member are residents of the state in which you live.

How much will I be charged per month for the savings or checking account?

Many financial institutions charge a monthly fee for the account. Most times, that fee is deducted automatically from your existing balance.

Are there any conditions or requirements to have a free account?

Some banks call their accounts “free” but still have other requirements (like having a savings account linked). Sometimes these requirements lead to additional fees.

Am I enrolled in overdraft protection? If yes, what will I be charged if I overdraft my account? *If you do not want overdraft protection it is your right to ask to be unenrolled **by law, overdraft protection is supposed to be an opt-in product and not automatically a part of your account.

Overdraft protection can be helpful in emergency situations, but can also be very expensive. Overdraft protection will allow a transaction in the event that there is not enough money to cover the balance. However, fees up to $50 per transaction can be added to your account for using this service.

How many transactions a month do I get per month/day? If I go over that number, how much will I be charged?

Some accounts have a limit on the number of transactions you can have in a certain period of time (usually a month). It will be important to know what that number is and what is charged per transaction after that number is exceeded.

How will I know if the bank changes their fee policy on my account?

Some banks can change the account that you currently have as free to an account that charges. However, in most cases, they have to notify you. Make sure that you know how they intend to do that. It is advised to still watch your account for fees of that sort!

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What benefits does your bank offer that are unique?

Banks often offer benefits that are unique to their institution. Some credit unions have co-ops that allow you to manage funds from multiple spots in the nation. Some offer simple services such as a free money orders, cashier’s checks and coin counters. Make sure you get the institution that has the services most applicable to you.

First Time at the Bank: What to Expect

Bring forms of identification Most financial institutions will require at least two forms of identification. One is usually a photo ID. Bring what you have and they will tell you if it is sufficient to open an account. If you feel like you need additional forms, you can call your department of transportation and ask what the requirements are to get a photo ID or a driver’s license.

Bring the money you intend to deposit Most banks have a requirement to deposit money when you open an account

Ask for a banker The people standing at the front of the institution are called “tellers.” They typically do the day-to-day transactions of the bank. They will be helpful AFTER your account is open. When you arrive at the bank, ask for a banker. They are the people set apart for opening accounts.

Use the provided table titled “Things to ask your banker.”

The provided table will help you clarify the account you need

Ask for help to be set up with online banking

Online banking in the beginning can be a hassle to set up. Ask the banker while you’re there to help you set up the online banking and show you the basic features.

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Payday Loans and Check Cashing

For some, it has become the custom to use check cashing and payday loan businesses to gain access to their money. There should be some extreme caution when using these businesses. Both charge heavy fees for their services. Payday loans give an advance of cash to people who anticipate money from their employer. For example, if you were anticipating $100 for work that you did through the week, you could get an advance of $100 from a “payday loan” company, but they would charge interest and fees on top of that $100. So you would likely be liable to pay $115 when you get your anticipated pay check from your employer. Check cashing is a similar process. The company will take the check you have and charge interest and fees for cashing it for you. For example, if you have a $100 check, you may only get $85 dollars from it after the charges. As a practical example of how bad the fees are in these cases, a $15 charge on a $100 paycheck (2-weeks of work), amounts to a 36-86% annual percentage rate. The average credit card is between 10 - 20% annual percentage rate. If it is possible, get the help of a financial institution (bank or credit union) to avoid these kinds of pitfalls.

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Government Resources

While there are multiple programs available, navigating the system can be very overwhelming.

Here is a list of government resources that are available regarding the financial concerns addressed

in this manual. The list addresses the eligibility for each program, the application process and the specific contact information for each program.

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Financial Aid

Federal Student Aid (FAFSA) Anyone can apply for financial aid, but there are eligibility requirements for how much each person can receive.

• Eligibility o The first requirement is that you must be a citizen or legal resident of the

U.S. o Applicants must also demonstrate a financial need in order to receive aid. o Applicants must have a valid social security number. o Males must be registered with selective services for the armed forces o Must be enrolled or accepted for enrollment as a full time student in an

eligible degree or certificate program. o Individual must maintain specific grades to continue to receive aid.

Academic Standards depend on the school. o Applicants must be able to say that they haven’t failed to pay a previous

federal student aid loan or grant and that aid will only be used for educational purposes.

o For more personalized information, students can contact the financial aid office at their specific schools.

For Boise State University- Financial aid information is available online at financialaid.boisestate.edu or over the phone at 208-426-1664 or visit the office in room

113 of the Administration Building on the Boise State University campus.

For College of Western Idaho- There is a one stop student services department for more information on financial aid. For online information, visit cwidaho.cc/current-

students/financial-aid or submit an e-mail through the one stop student services link. To speak with the financial aid office call 208-562-3000 or visit:

Ada County Center is located at 1360 South Eagle Flight Way Boise, ID 83709 Canyon County Center is located at 2407 Caldwell Boulevard Nampa, ID 83651 CWI Eagle River is located at 485 E. Riverside Drive Eagle, ID 83616 For Treasure Valley Community College- Visit their website: tvcc.cc/financialaid/or

call 541-881-5833

• Applying for financial aid o FAFSA stands for Free Application for Federal Student Aid and is the

application that is filled out and submitted that determines the amount a student is eligible to receive.

o The application can be submitted online and assistance is available online through the federal student aid website or through financial aid offices at universities to help applicants work through the application process.

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Public Service Loan Forgiveness Program There are options for college loan forgiveness programs for those who work in public service careers. The program was created to encourage individuals to enter and continue full-time work into public service careers

• Eligibility o The only loans that are eligible for forgiveness are those that are received

under the William D. Ford Federal Direct Loan Program. o The individual must have already made 120 on-time payments on the loan.

These payments must be the full amount that is required to be paid each month. Based on the available payment plans it will take about 10 years to make those 120 payments.

o Any employment by federal, state, or local government agency qualifies an individual for the program. In addition any employment by a tax exempt, not-for-profit organization. If the organization is not tax exempt but is not-for-profit and provides certain public services, an employee may still be eligible for the program. Examples of these services include military or public safety services, public health services, public education and library services and more.

o The individual must work full-time as defined by their employer. For the program’s purpose the individual must work an annual average of at least 30 hours a week.

o The individual must be working full-time for an eligible organization at the time of all payments and must also be employed full-time for an eligible organization at the time of application.

• Application o An Employment Certification for Public Service Loan Forgiveness form

must be filled out. o The individual’s employer uses the form to certify the individual’s

employment in an eligible institution. o Upon completing the form as directed by the instructions on the form, the

individual must submit the form to the FedLoan Servicing (PHEAA) for processing to determine eligibility.

o Once the 120th payment has been made an official PSFL application will be submitted for loan forgiveness.

o For more detailed information, contact your federal loan servicer. This contact is found through the Department of Education’s National Student Loan Data System.

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Unemployment

Unemployment insurance and benefits are managed by the Idaho Department of Labor.

• Eligibility o Individuals must meet both financial and personal criteria. o Personal eligibility means that individuals must be unemployed through

no fault of their own. This includes unemployment due to lack of work or voluntarily quitting for a reason associated with the employment.

o Persons must be physically capable of working and must be willing to accept part and full time work.

o Monetary eligibility simply applies to the amount that an individual made in the 12 months prior to unemployment so that a benefit amount can be calculated based off of the prior earnings.

o Military personnel have additional requirements and should contact the local department of labor to get additional information.

• Application o Application for unemployment is done online in the form of filing and

unemployment claim o The claim is filed through the Idaho Department of Labor website. o The information needed includes your social security number or alien

registration number for those individuals who are not citizens of the U.S. o The individual will need to also submit the employer information

including contact information and address as well as the dates in which they were employed and the total earnings the employer paid them.

o In addition the individual will need to provide the reason they are no longer employed and a phone number they can be reached at.

o Military personnel will have to submit an additional form if they were discharged from service in the last two years.

• Contact: Claim application is on the Idaho Department of Labor website: https://labor.idaho.gov/iw/ The Department of Labor’s main office is located at 317 W. Main Street Boise, ID 83735 Phone: 208-332-3570 (office) OR for unemployment claim questions 208-332- 8942 E-mail: www@labor.idaho.gov

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Idaho Child Care Assistance

Eligibility Requirements • Income in last 30 days of both parents in the household if applicable. • You must be working, attending school, or participating with departments

enhanced work services. • Amount of assistance will be based on:

o Income o Cost of childcare o The number of hours you spend working, in school or participating in

approved activities

Application Process • Fill out the Child Care Assistance form. This can be found on Idaho Department

of Health and Welfare’s website, or in person at your local health and welfare offices

• To fill out application you must have proof of qualifying activity. This can be current wage stubs (30 days worth), and/or a current school schedule.

• Free assistance with the application process is available; this includes language interpretation, and accommodations for a disability.

• You may also fill out an Application for Assistance form, which will consider you for health coverage, food assistance, and cash assistance in addition to childcare assistance. This can be found on Idaho Department of Health and Welfare’s website, or in person at your local Health and Welfare office

** What you will need when filling out the application ** Proof of Identity Proof of Income

Proof of household expenses Proof of resources

Free assistance is available if needed including language interpretation. Contact information for this assistance is available on the application.

• Contact:

Westgate Office 1720 Westgate Drive Boise, Idaho 83704

Website: www.healthandwelfare.idaho.gov Email: MyBenefits@dhw.idaho.gov Phone: 1-866-343-2027 (Child Care Assistance Form) 1-877-456-1233 (Application for Assistance Form)

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Women Infants and Children (WIC)

Eligibility • Must be a resident of Idaho • Must meet income guidelines • Must be pregnant or be breastfeeding a baby under one year of age or just have

had a baby or have an infant or a child under the age of five

Application • Schedule a WIC appointment

o At this appointment you need to bring: " Each person who is applying to WIC " Identification of you and your children " Proof of income for your entire household " Bring the Medical and Quest cards (if you or your children receive

Food Stamps, Medicaid or Cash Assistance) " Proof of where you live (letter, utility bill, driver’s license, etc.) " Social Security card for each person applying for WIC (if you do

not have a SSN you can still apply for WIC) " Confirmation of your pregnancy, if you are expecting " Immunization records for your children " Proof of Income

• Contact:

Central District Health Department 707 N Armstrong Pl Boise, ID 83704 520 E. 8th Street N in Mountain Home Directly south of the hospital

Phone: 208-327-7488 (Ada County) 208-587-4409 (Elmore County)

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Idaho Food Assistance/SNAP Program

Eligibility • Must be a citizen or legal immigrant • Must be a resident of Idaho • Household income must be less than the program income limits for your

household size • With some, exceptions, you must work or participate in an employment and

training program

** Visit www.healthandwelfare.idaho.gov to complete a pre-screening tool for eligibility or visit the health and welfare offices to check eligibility **

Application

• Fill out an Application for Assistance form, which determines your eligibility for health coverage, childcare, and cash assistance in addition to food assistance. This can be found on Idaho Department of Health and Welfare’s website, or in person at your local Health and Welfare office. What you will need when filling out the application: • Proof of Identity • Proof of Income • Proof of household expenses • Proof of resources

Free assistance is available if needed, including language interpretation. Contact information for this assistance is available on the application.

• Contact:

Westgate Office 1720 Westgate Drive Boise, Idaho 83704

Website: www.healthandwelfare.idaho.gov Email: MyBenefits@dhw.idaho.gov Phone: 1-866-343-2027

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Stress Management

Stress impacts everyone. Stress can be either positive such as getting married or having a new baby or negative such

as financial difficulties, relationship problems, or daily hassles. Chronic stress (stress that happens over a long period of time) has the potential to negatively impact our

health. Responses to stress can include physical aches and pains, decreased energy levels, trouble sleeping,

forgetfulness, feelings of anxiety, depression, anger, or helplessness.

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Relaxation and Stress Management Tips

It is important to find healthy ways to manage stress in order to improve your health and your

overall quality of life.

Meditation and Deep Breathing

Take some time (15-20 minutes) to sit and relax, breathe deeply, and think of a peaceful

situation.

Be Present

Take the time to slow down and use your senses to enjoy the moment. Appreciate the

beautiful sunset or the delicious flavor of your dinner.

Reach out

Talk with others in person or over the phone. Reaching out and utilizing social support is

a great way to help manage stress.

Positive Affirmations or Positive Self-talk

Transforming negative thoughts into positive thoughts is one way to cope with stress and

improve your mental well-being. Positive affirmations include statements such as “I can

do this”, or “I will make it happen”, rather than negative statements such as “I can’t do

this” or “I am going to fail”.

Engage in Physical Activity

Find enjoyable activities such as walking, swimming, riding a bike, or dancing. Exercise

is a great way to help release tension, decrease stress, and improve overall health.

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** Sometimes the stress in our lives can be too much to handle on our own. If you are having a

hard time managing the stress in your life, please reach out for help. For more information on

understanding and managing stress, talk with your FOCAF family advocate, a counselor, or your

primary care doctor. **

Additional Resources for Stress Management

Free & Income Based Clinics

The community health centers listed below are funded by the federal government. This means

even if you have no insurance you can be covered. The centers are also income based for those

making an income. They provide behavioral health and mental health services along with a

variety of other health related services. Contact information is provided for additional

information.

TERRY REILLY MEDICAL MENTAL HEALTH 300 S. 23rd Street Boise, ID - 83702 208-344-3512

TERRY REILLY HEALTH SERVICE 848 La. Cassia Dr. Boise, ID - 83705 208-344-3512

SANE SOLUTIONS 408 Allumbaugh St. Boise, ID - 83704 208-323-9600

RIVER OF LIFE 875 S. 13th St. Boise, ID - 83702 208-389-9840

TRHS - SANE SOLUTIONS (ACO) 5700 W. Franklin Rd. Ste H Boise, ID - 83705 208-345-1170

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GLENNS FERRY HEALTH CENTER 486 W. 1st Ave. Glenns Ferry, ID - 83623 208-366-7416

DESERT SAGE HEALTH CENTER 2280 American Legion Blvd. Mountain Home, ID - 83647 208-587-3988

Helpful Websites

WebMD

http://www.webmd.com/balance/guide/blissing-out-10-relaxation-techniques-reduce-stress-

spot?page=2

The American Heart Association

http://www.heart.org/HEARTORG/GettingHealthy/StressManagement/Stress-

Management_UCM_001082_SubHomePage.jsp

The Mayo Clinic

http://www.mayoclinic.com/health/relaxation-technique/SR00007

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Goal Setting

Setting family goals, working toward them and celebrating your cooperative effort will deepen your connection and

help you focus on what truly matters to your family.

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Goal setting involves establishing specific, measurable, achievable, realistic and time-targeted goals, also known as SMART goals. The theory of goal setting suggests that an effective tool for making progress is to have a common goal that all members are clearly aware of what is expected from them. As a family it is important to set SMART goals allowing everyone to work together towards a chosen goal.

Setting family goals allows you and your family to dream together of what you want to become, what you want to do and what you want to accomplish. Your family goals can be short- or long-term, fun or serious. Family goals help you focus on your values and your priorities. Whatever you focus on will increase, so why not focus on concepts like responsibility, service, healthy living and joy?

Creating family goals eases decision-making (and relieves a lot of stress) when you’ve got a plan in place. When you wing it, you’re more likely to make mistakes and bad choices. When you plan, you’re carving out time in your schedule to focus on what you’ve already agreed matters most.

Another bonus — family goals help foster teamwork. When you all agree on a goal, your whole family must work together to make it happen. This builds in accountability, cultivates cooperation and creates a we-sink-or-swim-together philosophy. Once kids see first-hand how to set and achieve family goals, they’ll better understand what it takes to set and accomplish personal goals.

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Goal Setting Tips

Keep things as simple as possible if you can. That has the added benefit of allowing you to focus your energies on a small number of goals, making you far more effective with them. Use the following tips when choosing a goal, planning for success, and remember to celebrate your achievement!

1. Specific, realistic goals work best. When it comes to making a change, the people who succeed are those who set realistic, specific goals. "I'm going to recycle all my plastic bottles, soda cans, and magazines" is a much more doable goal than "I'm going to do more for the environment." And that makes it easier to stick with.

2. It takes time for a change to become an established habit. It will probably take a couple of months before any changes — like getting up half an hour early to exercise — become a routine part of your life. That's because your brain needs time to get used to the idea that this new thing you're doing is part of your regular routine.

3. Repeating a goal makes it stick. Say your goal out loud each morning to remind yourself of what you want and what you're working for. (Writing it down works too.) Every time you remind yourself of your goal, you're training your brain to make it happen.

4. Schedule a family meeting specifically for the purpose of setting a family goal. Provide tasty snacks to win everyone over.

5. Involve the entire family, from preschoolers to teens. Family members will be more likely to take ownership of the goal if they have a say in what the goal is and how the family can work together to achieve it. You might be very surprised at the ideas and insights your kids bring to the table.

6. Brainstorm and write down all ideas. Don’t dismiss anything at this point. Kids, in particular, want to feel that their opinions matter and their ideas have value. Simply record everything first and discuss it later.

7. Choose a few of the best ideas and begin discussing the pros and cons. Keep comments constructive, not critical. Seek everyone’s input, including the little ones in your family.

8. Dream big, but not too big. To ensure you set a realistic goal, ask, “Do we have the time, resources and ability to accomplish this goal?” You want to set your family up for success by choosing a goal within reach.

9. When you can all agree on your family’s top priority, describe exactly what you want to achieve. Define your goal as specifically as possible to increase your chance for success.

10. Make your goal measurable. If you want to save money for a family vacation, state the exact amount you want to save. If you want to spend more time in nature, include a

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specific number of hours/week or days/month. You can’t gauge your progress if you set vague goals that are difficult to track.

11. Set a deadline. Include both a start date and an end date for achieving your goal. This will help you track your progress and see if you’re on target.

12. Map out a step-by-step action plan for achieving this goal. Working backwards from the end date, you can create a monthly action plan, including weekly and daily steps to take as needed.

13. What can you do this month to make that happen? If your goal will take a year or so to accomplish, you’ll want to create a smaller sub-goal. Figure out a project you can do this month to get a few steps closer to that goal, and focus on this project for the next month.

14. What can you do today? Each day when you start your day figure out what action you can do today to make your goal closer to becoming a reality. If you do one thing each day, you’ll reach your goal. Some days you can do two things if you like, but don’t overload yourself. Now make sure that one thing is the first thing you do today. Don’t put it off until the end of the day, when it will get pushed back until tomorrow.

15. Roadblocks don't mean failure. Slip-ups are actually part of the learning process as you retrain your brain into a new way of thinking. It may take a few tries to reach a goal. But that's OK — it's normal to mess up or give up a few times when trying to make a change. So remember that everyone slips up and don't be defeated by it. Just remind everyone to get back on track.

16. Make adjustments. As you work toward your goal, identify what’s working and what’s not working, then adjust your plan accordingly. Stay flexible with your approach, but stay committed to the end result.

17. Talk about motivation. What will inspire you to achieve your goal? List compelling reasons that will move you forward, even if you hit a roadblock. Refer to this list when you get stuck and need a push forward.

18. Line up your resources. What will you need to help you accomplish your goal? Look for books, websites, people, products, workshops, etc., that will give you the tools, guidance and/or skills you need to achieve your goal.

19. Visualize success. Vividly describe what success will look and feel like. It might help to make a poster, including images of your goal (such as families spending time in nature or eating a meal together), motivational words and phrases and a photo of your family.

20. Post your family goal and poster where everyone can see it – on your fridge or family bulletin board. Writing your goal down and putting it in a highly visible place gently reminds family members what they’re working toward.

21. Celebrate! Once you’ve achieved your goal, celebrate in a meaningful way. For example, if you achieved your goal of eating dinner together at least once a week for six months, celebrate with a special meal. Cook your family’s favorite dishes, get out the good china and silverware, light candles, play soft music, and ask everyone to dress up for dinner.

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What if You Have More Than One Goal? Many people will say that having just one goal is impossible for them. If so, here are possible solutions for that:

1. Just do one goal for now. You can still do the other goals, but put them off for a month or two. Focus on one goal for at least a month … and turn it into a habit. So if you want to run a marathon, create the habit of running each day. If you want to write a novel, create the habit of writing each morning. If you want to create a successful blog, create the habit of writing insanely useful posts each day. Once your first goal becomes a habit and is on autopilot, turn to the next goal — you don’t have to worry as much about the first goal because it has become automatic.

2. Do more than one goal, but keep them simple. The danger with more than one goal is

that you’ll spread yourself too thin. If you have 3-4 goals, that’s doable if you don’t create half a dozen tasks you need to accomplish for each goal every week. That will lead to a lack of effectiveness. Instead, find ways to focus on one goal at a time: just focus on one of your goals this week, or just one of your goals each day, or just one of your goals in the morning and another in the afternoon, for example. This way you won’t lose effectiveness.

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Worksheets to Assist with Goal Setting

Some!of!this!information!about!family!goal!setting!was!located!at!www.SPARKparenting.com. Additional resources are available; please contact your Family Educator.

How to Use Family Goal Setting Tool!What is our top one-year family goal?

Decide precisely what you want. Make your goal specific & measurable.

What is our deadline for achieving our goal?

Working backwards from this deadline, you can create a monthly action plan.

Why are we committed to achieving our goal?

List compelling reasons that will motivate you, especially when you face obstacles.

What (if any) obstacles do we need to overcome?

Anticipate possible pitfalls & ways to deal with them, but stay focused on your goal.

What is our 12-month Action Plan?

January: February: March: April: May: June: July: August: September: October: November: December:

You need more than desire to achieve your goal — you need to take action. Outline a course of action that moves you toward achieving your goal. Monitor your progress, identify what’s working & what’s not, and change your approach until you achieve what you want. Use this monthly action plan to create weekly priorities & daily focal points, as needed.

What resources can help us achieve our goal?

List resources that will bring you closer to success (books, games, movies, websites, etc.).

What will it be like when we achieve our goal?

Visualize success. Imagine how you’ll feel & what your results will look like.

How will we reward ourselves when we achieve our goal?

Celebrate your success in a meaningful way that ties into your goal.

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Family Goal Setting Tool What is our top one-year family goal? What is our deadline for achieving our goal? Why are we committed to achieving our goal?

What (if any) obstacles do we need to overcome?

What is our 12-month Action Plan?

• January:

• February:

• March:

• April:

• May:

• June:

• July:

• August:

• September:

• October:

• November:

• December:

What resources can help us achieve our goal?

What will it be like when we achieve our goal?

How will we reward ourselves when we achieve our goal?

©2010 www.SPARKparenting.com

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