Credit card debt, accounts in collection and regular use of "payday loans" or other predatory lending companies is a big problem for many of the women that WEN serves. A great majority of WEN clients try to "keep up" by making small payments here and there to keep themselves afloat or just to keep the heat or water turned on in their homes. They know that their financial problems are beyond the scope of cutting expenses here and there, but don't have the knowledge or tools to get themselves out of their never-ending cycle of debt. Many women get to the point that their minimum payments on credit cards are only covering late payment fees, or are purely interest. Staying in this cycle all but ensures that their ability to get out of debt slips further away each month, and that the balance they owe will never decrease. Long-term unemployment and underemployment exacerbate already critical financial situations by fostering a reliance on credit cards and predatory lending. Increasing debt makes it difficult to emerge from the cycle of poverty even after finding employment, if the worker's paychecks must be directed toward loan repayments with high interest rates. Teaching financial literacy helps individuals move away from living paycheck to paycheck and toward developing a long-term plan for financial stability.
While WEN's programs have always included an element of financial literacy, the hiring of a full-time Financial Coach and addition of Financial Coaching and Credit Building to WEN's curriculum was a major development in our efforts to support all areas of clients' financial growth. WEN is now able to provide measurable, long-term support for clients as they overcome financial challenges. The Financial Coach meets individually with each client to determine financial goals and define an individualized game plan for clients to reduce their debt, build assets, and establish or repair their credit. WEN's program offerings are uniquely structured to meet the varying needs and skill levels of women in all stages of un- and under-employment. And, by regularly meeting with the Financial Coach, the clients learn how to transform their financial behaviors and shift their money management priorities. One of the great advantages to the Financial Coaching program is that behavioral shifts are often immediate, once clients are given the knowledge and tools. Therefore, the connection between action and effect (reward) reinforces the client's dedication to budgeting behaviors and debt management.
December is a very special time of year -- a time of reflection, a time of togetherness, a time of giving. Women's Employment Network knows how important these elements are to the season, to the women we serve, and to the families that depend on our clients to make this season one to remember. As we have said time and again, the women that come to Women's Employment Network (WEN) are ready to make a change in their lives and are determined to live a better life for themselves and their families. Thanks to the generous support and contributions from you, our supporters near and far, we can continue to support these women and their families in their time of need.
One of the most recent examples of a WEN client who has overcome obstacles and worked hard to turn her life around is seen through the journey of Anya. Anya is an extremely established, accomplished woman who found herself stuck in the mire of life and the cycle of domestic abuse. Anya says:
"I came to WEN because I needed guidance and direction on putting my pieces back together, so that I could once again have a life that I am proud of experiencing. I had tried every resource and agency I could find. Each agency was amazing in some way. Yet I needed more. I’d heard of WEN in passing, and had even checked out their website. However, my daily struggles and appointments with other agencies had kept top priority in my life. My insides were battered and weeping; my need for healing repeatedly frustrated me and, in turn, I felt hopeless and powerless.
Today, I am so grateful for finally making the life-changing call to WEN just over one year after fleeing domestic violence with my son. Coming to the program, I saw beautiful, strong women fighting to thrive, rather than just survive -- women who were leaders, mentors, supporters and educators, among other things.
I had no idea of who I was before coming to WEN. I was lost and detached from myself, my body in a struggle. I felt as though my soul was fighting to stay within my skin. Now, I feel like me. I know me. I believe in me. I know what I want. I am aware of my strengths, talents, abilities, likes, dislikes, weaknesses, style, and desire. I see and believe in me and others again. I feel safe in the world. I trust myself to make good decisions for myself and my son. Through WEN, I have friends who support me in a strengthening and empowering way."
WEN staff works with every woman that comes to us to discover their individual struggles with barriers to finding and maintaining employment. Whether it is additional support in cases such as domestic violence, substance abuse, mental or physical health issues, WEN takes a long-view of our clients’ lives and futures. We abide by the adage of “teaching a woman to fish, instead of giving a woman one fish.” What we do is bigger than just helping women find jobs. We help women find careers and a path to a future that includes self-sufficiency and stability.
The outlook for WEN's future--and the women like Anya we serve--is extremely bright. This is due to the ever-increasing number of women graduating from WEN's five-week program, our added financial coaching element, excellent staff and, of course, our amazing and generous supporters.
On behalf of our entire Board of Directors and the women we are privileged to serve, thank you for your support and best wishes for a happy and healthy holiday season.
Thank you for being the Women's Employment Network's (WEN) partner in bringing change to the lives of unemployed and underemployed women living in the Kansas City metropolitan area. The women who come to WEN are ready to make a change and determined to live a better life. Thanks to the support of the community and WEN's staff, women are able to find greater economic stability and reach their goals.Tracy is an example of one such client whose focus and determination became her ticket out of poverty. Having a clear goal in mind has proven time and again to increase one's chances of achieving that goal. When Tracy first came to WEN, she knew what her goal was. However, at that time, she was unemployed and her four children were living with family members with only food stamps to contribute to the household. As anyone could imagine, the home was crowded and Tracy was eager tomoveto a place of her own. She first needed steady employment and a living-wage, so she turned to WEN for guidance.While attending the Women's Employment Network's five-week Employment Preparation and Career Transition Training Program, Tracy illustrated her determination to change her life every step of the way. First, she decided that to address her financial struggles head-on, meet with WEN's Financial Coach, complet a financial assessment and reviewher credit report. After gaining a full picture of her personal debts and household expenses, Tracy was able to establish a budget and work on building her credit,which included disputing incorrect information on the report and then paying off debts once she became employed.Soon after graduation Tracy was offered a temporary position. She was back to work! Once she had received a full paycheck, she came back into WEN to create a new monthly budget. This budget was built to support her goal of saving enough money to be able to move her family to their own home. Over the next few months, she worked to pay off some of the bills that had fallen behind so that she could focus on her future and save. The Financial Coach continued to work with her on her credit action plan by helping her to understand the report and the steps she would need to take to increase her score.It didn't take long before, Tracy had great news to share with WEN. She was offered a permanent position at the company she had been working at and the promotionto full-time also incliuded and a higher salary. This stability gave her the confidence and the income that she needed to pursue her goal and move her and her children into a new rental townhome.In just over a year, Tracy has accomplished amazing things. Not only has she achieved the goals she declared when she bgan WEN's Employment Preparation and Career Transition Training Program; but along the way she has accomplished financial feats that will support her stability in the future.WEN truly appreciates your support of this program, and of the women like Tracy we serve everyday. Thank you!
The Women's Employment Network serves a diverse group of women. As the women arrive for the first day of the Employment Preparation and Career Transition Training Program, they often compare their backgrounds with other women in the class. Often preoccupied by their differences, they point out what they perceive to be their own personal challenges. Some think that they are too young to find a good job and others wonder if employers will really consider them for jobs as the approach retirement age. They wonder if their lack of a degree, legal difficulties or even their appearance is holding them back from finding work. But by the end of five weeks, these women are no longer so concerned with their differences, but view each other as friends in the job-search journey. These are the women WEN serves:Single Mothers"I began my professional life as a teen mother. Although I was determined that my being a teen mother would not get in the way of building a stable professional life for myself, I did not realize how many obstacles would arise. I found myself the single mother of two children with special needs. Even though I have continued to always fight to get myself on the right career path for my family, I've never found the right path that works for our needs. I tried going to college, hoping that would get me on the right track, and did quite well until times got tough in my family life and I needed to quit. I have fought against the grain for fifteen years and basically gave up hope. WEN has shown me that I don't have to fight against the grain and I don't have to give up hope." - MarisolCollege Graduates"After graduating in December from the University of Central Missouri I had thought I secured employment but to my surprise I had not. Months of job searching and no results forced me to realize something might be wrong in how I present myself or how my resume was formatted. I came to WEN in hopes to correct whatever issues I had in hopes to gain successful employment in my field. " - BritneyWomen Reentering the Jobforce"After four years of being a caregiver to family members, getting back into the workforce seemed a little scary. Things have changed a lot in that short amount of time. I wasn’t really sure what I wanted to do or how I wanted to go about it. I knew I needed some help and a lot of support. I heard about Women’s Employment Network, read their website on the internet, and decided that it sounded like just what I needed. It’s one of the best decisions I’ve ever made." - ErinAlthough they all came to WEN with different needs and backgrounds, they have all since found employment.
Women come to WEN at all points in their career: some are returning to the workforce after years of raising children, others are laid off from long-term careers, and others are just starting out in the workforce. We thank you for helping us help these women, and hope you'll enjoy hearing about the success of a recent WEN program graduate, Jenny. In May of 2013, Jenny Barry was a proud graduate of the University of Central Missouri, having earned a BS in Safety Management and a BA in Chemistry, she was ready for her role in the workforce. She was hoping to accomplish that before her first student loan payments were due.
After several months of applying for jobs in her field and not having much success, she heard about Women’s Employment Network and attended the September training session. At WEN she learned the importance of having a focused and strategic job search, how to look for career ladder opportunities and how to research the industries that needed her knowledge. She also honed her interviewing skills. Most importantly she accepted that education alone isn’t always enough, sometimes you have to get your foot in the door and prove yourself.
After completing the training she took a survival job to help stabilize her financial situation and continued a strategic WEN job search. As a result, in December she found her “dream job” as a lab technician at Catalent Pharma Solutions.
At the Women's Employment Network we are grateful for all the support we receive from people who believe in our mission of helping women raise their self-esteem and achieve economic independence through sustained employment.
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Grant Writer/Development Coordinator