Habitat for Humanity in the Roanoke Valley December 2018 Newsletter

“Habitat for Humanity has successfully removed the stigma of CHARITY by substituting it with a sense of PARTNERSHIP .” -Jimmy Carter

WHAT WE EXPECT: A partnership in accountability and accomplishment The time and labor of staff, hundreds of volunteers and partner families, efficient building methods, modest house sizes, and affordable or zero-interest loans make it possible for under- served families to purchase Habitat houses. Becoming a homeowner is an enormous endeavor for everyone involved. It takes a lot of hard work and determination.

Our program prepares approved families for the day they move into their home by offering financial education classes that cover budgeting, credit, debt and loans, saving, investing, and emergency situations, as well as the mortgage process. Gaining an in-depth understanding of these concepts develops tools to help build a solid future. Much like having an affordable place to call home builds pride and self- esteem, being able to take control of one’s finances builds confidence and momentum to dream big and work hard.

We have learned that practical financial education and hundreds of hands-on sweat-equity hours from each family member lead to a meaningful, collaborative, synergistic investment in the home, and build pride in the family unit’s achievement and a solid foundation for long-term personal success.

89 cents of every dollar is directly applied to construction costs and family services expenses.

SUPPORT: How you can help Every donation helps a family build a foundation of knowledge, skills, hope and new beginnings. With your financial support, families can build strength, stability and independence with Habitat for Humanity by building a safe and secure place to call home. Your donation goes a long way. We work hard to keep fundraising and administrative costs low so that your donation will directly support our efforts to provide homes for those who need decent affordable housing.

Your donation is tax-deductible. Your support is immeasurable.

You can now give online through PayPal: http://habitat-roanoke.org/ donate/donate-now/