Positive Tickets

Allison Brandt, an Urban Fellow working with the Healthy Blocks department writes about a new initiative in Rochester.

“For every negative act someone is inspired to do a positive act.” – youth participating in Positive Tickets
The media often highlights negative events that occur in the city and does not reveal the positive ones. The City of Rochester has recently been trying to emphasize publicly rewarding and recognizing good rather than bad deeds. In 2008, the City of Rochester’s Youth Voice, One Vision embarked on a new initiative of distributing Positive Tickets to individuals for their constructive behavior that help contribute to their community. Various teams made up of youth and adults determine the specific criteria of a positive act before going out into a specific neighborhood together to “catch” community members doing something good. The positive act can be anything from picking up litter to wearing a bicycle helmet to mowing the lawn. If the patrol group finds a person doing something commendable, that individual receives a Positive Ticket, which can include gift certificates, coupons or free admissions to local businesses or youth and family attractions. The ticket also includes useful information about local resources and services for both families and youth. In 2009, the program expanded by encouraging other community agencies to distribute the tickets in their own neighborhoods, helping spread this positive program throughout the city. Results have shown that this program has had a positive impact on both the individuals and the community, as 98% of the recipients felt inclined to do more positive acts in the future. Additionally, it grants the recognized community members a sense of value for their commitments to the neighborhood. The Positive Tickets program has distributed over 390 tickets since its commencement and it will continue to spread its encouraging effect with the help of devoted community members.
This summer, we will be going out into our Healthy Blocks neighborhoods to distribute Positive Tickets to individuals who we catch doing a good deed for their neighbors or community. This will advance our program by encouraging positive behaviors, thus helping create a greater sense of community. Ultimately, we hope this will improve the quality of life for the residents in our Healthy Blocks due to more helpful acts being performed more frequently by neighbors.

For more information about the Positive Tickets program, visit: http://www.cityofrochester.gov/article.aspx?id=8589943605

Rochester Home & Garden Show Saturday March 26 & Sunday March 27

NeighborWorks® Rochester will be attending the 2011 Rochester Home & Garden show. The event is hosted by the Rochester Home Builders’ Association and will take place at the Rochester Riverside Convention Center on Saturday, March 26th from 10 a.m. to 7 p.m. and Sunday, March 27th from 10 a.m. to 5 p.m.

* Huge landscaping displays! Two totally redesigned areas on both levels of the Convention center area featuring local professionals.
* Culinary demonstrations from a variety of area restaurants and their professional chefs.
* Seminars on kitchen design, painting your own wall mural, interior design and gardening!
* NEW interior design showcase!

For More Information:
Rochester Home Builders’ Association
Phone: (585)272-8222.
E-mail: theshow@rochesterhomebuilders.com

Rochester Riverside Convention Center
123 E Main Street
Rochester, NY 14604-1619
Phone: (585) 232-7200

How to Talk About Your Neighborhood

NeighborWorks® Rochester’s Healthy Blocks Manager, Katrina Rex explains how to be a great spokesperson for your neighborhood.

The city of Rochester is losing over 2,000 residents per year. That’s 2,000 people who are choosing to leave City neighborhoods, and they are taking their tax dollars with them. This leads to less revenue for the City to provide needed maintenance and basic services.  Some are moving out of state, but many others are finding homes in nearby suburbs. There are several reasons why people leave the City for suburbs like Penfield, Greece or Brighton. Schools are a top concern for those with small children, and the Rochester City School District is struggling to improve graduation rates and student achievement. However, a number of people leave the City because they have the perception that their neighborhood is not worth their investment of time, money and emotional commitment.

1. Focus on the positive.

This doesn’t mean ignore the challenges that every neighborhood confronts at one point or another (eccentric or noisy neighbors, aesthetic differences, petty arguments, etc.) These challenges occur just as often in rural and suburban communities as they do in urban neighborhoods. Instead, emphasize what you value about your neighborhood. Parks, stores, and restaurants all within walking distance. Lovely, landscaped streets. Convenience to 590.  A rich history evident in the diverse architecture. Sidewalks. Public art. These are all things that may occur individually in suburban communities, but rarely do they occur simultaneously as they do in the City.

2. Defy stereotypes.

For some folks, their entire perceptions of urban areas are shaped by TV shows like The Wire and for them, the City is a place populated by criminals and composed of poor neighborhoods.

  • Find positive examples
    • What would you say to someone who thought all city neighborhoods were bad? What examples could you give that would change their perceptions?
  • Create an “elevator speech”  based on your personal experiences
    • “I like my neighborhood because __________________”
  • Be consistent.
    • Think of everyone you talk to as a potential future neighbor. Friends, co-workers, your hairdresser or barber. You never know who is looking to buy a home and will take your opinion seriously.

3. Invite them to visit a neighborhood restaurant, boutique or park with you.

It may not change their opinion overnight, but it could change their view of urban living for the better.

New Year’s Resolution: Organize Your Finances

Maggie Toro, NeighborWorks® Rochester’s Financial Literacy Counselor and Homeownership Coordinator, gives her tips for getting financially smart for the new year.

If you have let slip some of your fiscal responsibilities for the holidays, it is now time to take back the reins of your finances and get organized for the New Year!

It is important to prepare a budget that will keep your expenses in line. Get your entire family involved especially the kids, so that they understand the value of money like where it comes from and how it is spent. This will help them understand why mom and dad can’t buy the cool $150 sneakers this month. Kids will do amazing things to help their parents when they know they are in a financial crunch. It is your responsibility as parents and their first teachers to teach them how to handle their finances. The mistake of being in college and filing for bankruptcy for the first time with $60,000 of credit card debt is one to be avoided. Be a good example by keeping a calendar of when you should be paying your bills. Make sure you pay your bills on time to avoid late charges and extra fees. Keep tabs on your ATM withdrawals as the bank charges do add up.  Make sure you keep your bills in an organized folder and your personal information under lock and key.

Some helpful tips:

Cut down on your current expenses.

  • Little things add up. Carry a notebook in your wallet and write down every time you spend money, and what you spend it on. If you want to know where your money is going at the end of the month, that little notebook is going to tell you.
  • Look for cheaper options when it comes to cable, phone and other services.
  • Find less expensive entertainment options for you and your family.
  • Cut down on buying coffee, pop and lunch at work and school. Bring it from home.
  • Save money on gas by carpooling. The bus does a great job of getting people to work and school.

Look for ways to save energy in your home.

  • Install compact fluorescent light bulbs (CFLs) that last many times longer than regular incandescent light bulbs.
  • Have an energy audit done through NeighborWorks Rochester to see how to make your house more energy efficient and save you money in the long run.

Remember to save money for emergencies, periodic expenses and for your goals and try to find ways to increase your income if your income is not enough. If you went crazy over the holidays using credit cards now is the time to buckle down. Don’t use credit cards until you have paid all of the debt; instead use cash.

Do you remember your teachers telling you the choices you make now will affect the rest of your life? Same saying applies to your finances. The financial choices you make will affect the rest of your life.  So it is up to you to make the right choice. Having a budget in place will help.   Discipline is the word, applying it to your finances will take you to a place called financial success.  It is worth trying!

Congratulations to Jesse Knoth!

This summer, one of our amazing Healthy Blocks volunteers was honored with the Regional Dorothy Richardson Award for Resident Leadership. This is an honor bestowed annually in recognition of outstanding contributions by dedicated community leaders. The awards are named in honor of Dorothy Richardson of Pittsburgh, a pioneer in the community-based development movement. She was the driving force behind the establishment of the first Neighborhood Housing Services resident-led partnership, the forerunner of today’s NeighborWorks® network. Richardson and a small group of her neighbors banded together in a successful fight to save their dying neighborhood. Thus, it was very fitting that Jesse Knoth was recognized with this award.

Jesse Knoth installing solar lights in the Brooks Landing neighborhood as part of a Unifier Project through NeighborWorks Rochester's Healthy Blocks Program

Upon becoming President of the Barton Street Block Club in 2008, Jesse went straight to work. He organized a neighborhood block party in 2008 and 2009 with over 100 attendees. He also organized a street cleanup attended by 20 neighbors (including 10 children)  in 2010. These events can only expect to become larger under Jesse’s continued leadership. These events fall in line with some of the goals of the Healthy Blocks program including increasing community pride, improving a neighborhood’s image, and changing outsider perceptions of city neighborhoods.

Barton Street was used as an example by Rochester Police Department for how block clubs can reduce criminal activity on their street. Under Jesse’s leadership, Barton Street neighbors have been communicating more with each other and the police about suspicious activity in the area. This openness is furthering community involvement efforts in one of the NeighborWorks® Rochester Healthy Blocks neighborhoods. After attending a Community Leadership Institute session in Milwaukee in 2009, Jesse used a Community Leadership Institute grant to encourage healthy food choices among neighborhood youth. He organized a 10 week series of craft days at the Westside Farmers Market. Jesse purchased fresh fruits and vegetables from local farmers at the market to provide healthy snacks to neighborhood kids. His goal was to introduce children to fresh foods that they would not have come across normally in their area corner stores. By incorporating locally grown food, Jesse is promoting a green lifestyle to area children and their families.

Jesse continues to work tirelessly to bring diverse groups of people together and strengthen his community. He has built partnerships with the two neighborhood groups Barton Street spans; the 19th Ward Community Association and the Plymouth-Exchange Neighborhood Association. He has also created ties with area businesses such as D&L Groceries, Jim Dalberth Sporting Goods, Stop N Shop, Staybridge Suites Hotel and an area barbershop. Most impressive would be his connection with R Community Bikes. Jesse volunteers with the organization to refurbish donated bicycles for low-income city youth. Using this connection, Jesse organized a bike giveaway for children in the neighborhood to coincide with the annual block party. Many youth have been impacted by this collaboration and encouraged to live a healthier and more active lifestyle.

Barton Street comprises of approximately 80 households. He also recently volunteered to serve a second term as Secretary of the 19th Ward Community Association. The 19th Ward is one of the largest neighborhoods in the City of Rochester and being the secretary for the community association would be a daunting experience for most people. Until recently, Jesse successfully managed all of his community involvements while being a full-time college student. He graduated from RIT with a degree in computer science, but has chosen to pursue a career in community development. He now works for Bridges to Wellness (BTW), a community health initiative in northeast Rochester funded by Greater Rochester Health Foundation. BTW seeks to improve the health of the community by engaging residents to bring about the change they want to see in their community and having fun in the process.

It is with a great deal of pride that we acknowledge Jesse for the hard work and dedication he devotes to his community.

How to Pay for Home Improvement Projects

We’ve been talking home improvement and remodels lately, so today Jared Strohl, NeighborWorks® Rochester’s Homeownership Coordinator, is going to share his tips on saving and paying for a home improvement project.  (To see our last post on kitchen renovations, click here.)

We all know that it’s important to spend money here and there to maintain our homes, but what do we do when a major repair comes out of the blue?  As a homeowner, a leaky roof, a dying furnace, or even a cracked foundation can be waiting right around the corner.  The question is, how do we pay for it?  Below is a list of five ways to pay for major repairs, and the advantages and disadvantages of each:

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1. Save, Save, Save! Planning ahead with savings is the best way to prepare for any home repair.  If you are prepared with a “rainy day” fund, you can avoid the hassle and expense of long term debt and interest.  It might be difficult to see your hard earned savings dwindle, but the financial freedom of being able to pay for the work in full can be priceless.  Here are some tips on how to bulk up your savings account:

  • Open a separate savings account:  To make sure that you don’t spend your savings, it’s important to keep it separated from your checking account.  It may even be a good idea to keep your savings at a completely different financial institution.  Do some research to find an account with competitive interest rates, and no fees.
  • Create a savings plan: Another good idea is figuring out how much you want to save, and create a monthly savings plan that will get you there.  It’s important to stick to your goal, so don’t cheat by skipping months!  If your employer offers direct deposit, ask if they can split your check, and put a portion in your savings account, this way you’ll be saving automatically.

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2. Finding a loan If you haven’t saved enough, or if the work is just too expensive, the next best option is usually a loan.  When considering a loan for home improvement, one of the first questions you should ask yourself is: “Do I have enough equity in my home?”

If you have paid off a good portion of your mortgage, or if your home has increased in value, than you might have enough equity to look for a second mortgage, home improvement loan, or home equity loan.   You may even want to think about refinancing your first mortgage.  If you are considering any of these options, make sure that you do the following:

  • Research the lowest cost loan:  The cost of a loan is not only determined by the interest rate.  You should also consider any additional fees associated with obtaining the loan.  To get a sense of the total cost of a loan, ask for the Annual Percentage Rate (APR).  APR calculates interest plus any fees being tacked onto the loan; making it a better way to compare loans.
  • Be aware of adjustable rates: Some loans have an adjustable interest rate that can change over the course of the loan.  These loans may seem very appealing because of a low advertised rate, but make sure you understand the details.  For example, ask for the maximum interest rate (lifetime cap), and then see what your payment would be if it ever reached that high rate.  You want to be sure that you can afford the loan even if the interest rate increases.

If you don’t have enough equity because you recently purchased or refinanced your home, there are still other options available:

  • NeighborWorks® Rochester: As a non-profit Community Development Financial Institution (CDFI), NeighborWorks® Rochester offers home improvement loans that allow homeowners to borrow up to 130% Loan-to-Value (LTV).  This means that a homeowner can borrow beyond the available equity of their home if the repairs are necessary.
  • Personal Loans: Unlike a mortgage, a personal loan will not use your home as collateral.   Because of this, they tend to have higher interest rates than mortgages.  However, personal loans often have lower rates than credit cards, so this may be a viable option.

Remember that to be considered for a loan, the lender will take a look at your credit report.  It’s a good idea to run your own credit report at least once per year so that you know what’s on it.  And remember to always use AnnualCreditReport.com when running your credit report.

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3. Homeowner’s Insurance For an expensive repair, you can also contact your homeowner’s insurance provider to see if the work might be covered.  Just be careful!  Too many insurance claims can lead to your company dropping you as a customer.  If this happens, it will become harder to get coverage from another insurance provider.  A good rule of thumb is to look at your deductible, and see if the work costs significantly more.  If it does, then you may want to consider a claim.

4. Credit Cards Credit cards are an option for home repairs, but they are usually not the most practical solution for a few reasons:

  • Higher interest rates:  Credit cards tend to have high interest rates.  Many credit card offers will tempt you with a low introductory rate, but make sure you do your homework.  For example, if the full balance is not paid within the introductory period, hefty interest and fees may be assessed.  Always be sure to read the fine print.
  • Lower credit scores – One determinant of your credit score is the ratio of your credit balance to your credit limit.  If your credit card balance goes over 30% of the credit limit, your score will go down.  Putting an expensive home repair on your credit card can easily push you toward your credit limit, thereby lowering your credit score.

5. Grants A final option for home repair is grant funds.  NeighborWorks® Rochester offers a partial grant for loan customers that meet income qualifications.  Our grant can help pay for 40%-60% of any health, safety or structural issues in the home.

If a partial loan/grant is not an option, there are some 100% grants available, but they can be very difficult to obtain for the reasons below:

Income Ceilings: Grant eligibility is almost always restricted based on income.  Many households will not qualify simply because their income is too high.

Limited funds: Grant funds tend to be very limited because of the large need that exists.  For this reason, funds commonly dry up almost as quickly as they appear.  You should try calling your local neighborhood association or Neighborhood Service Center to find out if any grants are currently available.

Feel free to call us at 585-325-4170 if you have any additional questions and good luck with your home repairs!

So, You Want to Remodel Your Kitchen?

Today we’re talking kitchen renovations!  NeighborWorks® Rochester Landlord Services Coordinator, Matt Hjelmhaug, is sharing his tips and tricks for making this major project in your home a smooth and successful one.

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Most American homeowners end up doing a kitchen renovation at least once in their lifetime. This room in your home probably has the most traffic from the members of your household, and it also has a huge impact on the resale value of your home. A lot of times, buyers will purchase a home simply because they fall in love with the kitchen, so it is a project that requires a lot of planning. I have learned some important lessons from my years of working at a home improvement center and from completely renovating three kitchens as a property owner in the Southwedge. Today, I’d like to share two tips that will make your kitchen renovation a huge success and point of pride in your home.

#1 – Go All In

You decide that you want to bring some pop to your tired kitchen because you’re sick of seeing outdated countertops or worn floor.  To save some money on your reno, your plans may be to upgrade only the floor or only the countertops.  However, it’s important that you understand that this will shut your kitchen down for an extended period, creating a huge inconvenience for your household. If you do want to tackle a kitchen update, save up and do it all at once instead of going at it one piece at a time.

There are a few reasons for this: First, if you just redo one piece such as the floor, it will make everything else look old and out of place and the kitchen will feel mismatched. More importantly, if you do plan to change out the cabinets, it will cost you much less time and planning to do the tile and add recessed lighting as it would if the existing cabinets were blocking your access. Once everything is out and gutted, these smaller projects like switching out the window and running new plumbing can be done much more smoothly. This approach does require one large lump sum, but has huge time and money savings versus doing it piecemeal. Also, you will only have to go through the planning process once, which means only having to shut your kitchen down once.

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#2 – Choose in the Right Order

The order that you choose your color and style schemes can make the planning process very easy or very hard. The tendency for most people, even those on TV, is to choose the paint colors first, and then to base the style of cabinets, flooring, and countertops around these initial choices. This proves to be the hard route as the paint colors you choose don’t always match the limited number of choices you are given in cabinet color. If you choose the cabinets first, you are guaranteed to find a paint color, as your choices are unlimited, but this doesn’t work the other way around.

The best route is to make your first choice the item that has the fewest number of styles and colors available. This leads to a process that usually goes as follows: cabinets first, then countertops, then flooring, and lastly paint. Each step in this process offers a wider range of choices than the one before, so you have a lot of flexibility. Not only does this make the planning process smoother, but it also guarantees that you will be happy with your choice on the more permanent items, such as the cabinets. If you’re not happy with the paint, it is a much easier fix.

And last, but not least, have fun!  Major kitchen reno’s can be a lot of work, but in the end, you’re making a lasting investment that your household can enjoy for years to come.

Oh, and don’t forget!  If you need help taking your tired kitchen from this . . .

To this . . .

NeighborWorks® Rochester can help!  Call 325-4170 or click here for more information on our Home Improvement Loan.

Have questions about kitchen renovation or home improvement in general?  Feel free to leave us a line in the comments section below.

NeighborWorks® Rochester Visits Louisville!

Jackie Woodward, Healthy Block’s Neighborhood Outreach Assistant, shares her experience from the recent Community Leadership Institute that was held in Louisville, Kentucky.

As part of the Healthy Blocks department, I work closely with different community organizations and many passionate neighborhood residents. We partner with these invested parties to increase neighborhood involvement and support specific neighborhoods on their journey from being a good neighborhood to a neighborhood of choice in the city of Rochester. Near the end of October, Katrina Rex and I were able to take nine community leaders on a trip to Louisville, Kentucky, for NeighborWorks® America’s annual Community Leadership Institute (CLI).

The CLI is a nationally recognized training conference for resident partners of local NeighborWorks® organizations to further develop their leadership skills, share best practices for dealing with local issues, and create an action plan that will have measurable impact in their community. We were fortunate enough to be able to bring two groups of participants representing three different neighborhood groups from southwest Rochester to this year’s CLI. They were an enthusiastic group and brought a range of wisdom and experience to the table all in an effort to strengthen their community.

Posing in front of a Louisville Historic Landmark. All pictured are with the 19th Ward unless otherwise noted. L to R: JB Afoh-Manin, Renada Bertram (PLEX), Maria Elmer, Sheila Bazil, Nick Robertson

Participants took courses covering a wide variety of topics including: Influencing Decisions in Your Community, Keeping People Involved in Urban Areas, Young People as Leaders of Community Change and Organizing for Neighborhood Safety. The courses offered participants an opportunity to interact with community residents from across the country and discuss best practices and creative solutions for common neighborhood issues. The CLI is a great place to realize how small the world really is and how we are all connected. Our Rochester participants shared stories of riding the elevator with someone from Alaska, trading neighborhood watch stories with someone from Mississippi and other successes with Californians.

Participants with Certificates of Completion. L to R: Maria Elmer, Nick Robertson, Nolia Brooks (Plymouth-Exchange), MacClurg Vivian (19th Ward), John McCloskey (NeighborWorks America), Mason Dix (Changing of the Scenes), Gloria Edmonds (Plymouth Exchange), Sheila Bazil, and Renada Bertram. Not pictured: JB Afoh-Manin, Katrina Rex, Jackie Woodward

Near the end of the Institute, participants gathered for the Action Planning Session. NeighborWorks® America offers a $2,000 grant to carry out these plans and make sure they have measurable impact. Our two Rochester groups came together with a flurry of great ideas. Residents in southwest Rochester are certainly passionate about their community! It was decided that the whole group would devote money to one large group project. The rest of the grant money would be used for projects benefiting the individual neighborhood associations represented.

The group agreed that the large project should be on strengthening existing block clubs and helping create new ones. There are numerous block clubs and even some street groups that are not formalized. One of the best ways to develop a strong community is by starting small and getting to know your neighbors. Supporting small grassroots operations across southwest Rochester is a way our CLI participants can have a big impact on the area. Everyone benefits from living in a safe, unified and informed community and block clubs aim to do just that.

The Community Leadership Institute was a great experience for our participants and we look forward to helping them bring their ideas into fruition!

To learn more about the Healthy Blocks program at NeighborWorks® Rochester, click here.

Progress!

Holiday Savings Tips

Maggie Toro, NeighborWorks® Rochester Financial Literacy teacher and Homeownership Coordinator, gives her tips for making it through the upcoming holiday season without breaking the bank.

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October is a month when fall swings into full gear!  It is the season for apples, pumpkin and squash.  Children look forward to dressing up in costumes to go trick or treating on Halloween.  The leaves are starting to turn different colors, and eventually fall from the trees, and the temperature starts to get cooler – a reminder that winter will be approaching us soon.  For some, October is also the month when we start contemplating our holiday shopping lists.

The closer December gets, the more some of us realize that we will be further in debt.  Some laugh and say it is the “Going broke or busting the bank month.”  It is the month when people overspend, break their budgets, diets, and max out their credit cards.  Tis the season to spend, spend, and spend what you don’t have.  News reports say that people become more in debt during Christmas than any other holiday.

Somewhere along the way, people have forgotten the true meaning of Christmas – listening to Christmas carols, going to church and spending time with family and friends.  Instead of listening to the sounds of Christmas bells, the more common sounds you hear are the swiping of credit cards in the stores.

This post is not at all meant to put a damper on Christmas.  But, it should be a joyful and wonderful time, and you definitely don’t need to break the bank to enjoy it!  It is a time to realize what is important in our lives, and also a time of self-reflection.  We should honestly ask ourselves, “Is spending what we don’t have on Christmas gifts more important than having a roof over our heads or having food for our family?”

Some reading this blog might say that I sound like I don’t like Christmas, but it happens to be my favorite holiday!  From a Debt Management Counselor perspective, I have seen what credit card debt has done to people, and their families.  Many have said if they simply would have lived within their means, learned about budgeting and money management, they would not be in the predicament they are today, which is overwhelmed with debt.

I would like to share some budgeting tips that can help you get through the holiday season less broke, less in debt, and less stressed out:

  • The first thing is to plan, and prepare a spending budget for all holiday expenses, and the little extras. If you plan to give gifts, moderation is the word.   Live within your means.  It is not a crime to be frugal.  Let family and friends know that you don’t have Donald Trump’s income, and remember that it is the thought that counts!
  • Pay with Cash only! Hide the credit cards—don’t use them during the holidays.  This will help you avoid getting into further debt. Learn to pay down some of the existing debt (an example of this might be to increase your income by getting a part-time holiday job.  Then, use the money you earn to pay your debts, and become debt free!)
  • Take advantage of after-Christmas sales or out of season items (these include gifts, wrapping paper, cards, etc.)
  • You don’t always have to buy—making gifts from scratch is much cheaper, and homemade gifts often have more meaning.
  • Have a Secret Santa if you have a large family. Set an amount for the gift, and stick to it!
  • Do comparison shopping—compare prices online.  Some stores have different  prices based on whether you  buy them in the store or online.
  • Ship gifts early to avoid the Christmas rush, and the high cost of shipping.
  • Prepare a good meal for your family and friends who would appreciate this type of gesture more than a gift that they might not like or want to exchange.
  • Share a favorite recipe. Buy the ingredients, attach the recipe, and wrap it up as a gift.
  • If you are planning an event, potluck is the word! Have everyone pitch in with the food to keep your costs down.
  • Look for activities that you and your family can do to make the holidays more memorable without stretching your pockets.

  • Attend massive department store sales events. Open up a Christmas club account now, and start saving for next year.
  • Eat at home instead of eating out at a restaurant.
  • Give a little. Instead of buying gifts for each other, think of those less fortunate, and do something special.  Spend a day with your family and friends at a soup kitchen.  Collect food, and warm clothing to donate to the homeless and poor. Adopt a less fortunate family for Christmas and invite them to share a meal.

And remember, the best gift you can give during the holiday season is your time, love and friendship to others!

So, what about you?  Are there any budgeting tips your family adopts during the holidays to save some money?  Are you DIY’ing any Christmas gifts this year?  We’d love to hear!  Feel free to share in the comments section below.

Why a Boring-Sounding New State Law is Anything but Dull for Upstate

Today we’re featuring a guest blogger that we’re extremely excited about – Evan Lowenstein from Empire State Future.  Evan has offered to explain for us the importance and relevance of the Public Infrastructure Priority Act that was recently signed into law.  Thanks for generously giving us your time, Evan!

On August 31, Governor Paterson signed into law the Public Infrastructure Priority Act. This law, which passed both houses of the Assembly in landslides, directs state agencies, authorities, and public corporations to screen their infrastructure grants and appropriations to ensure they don’t subsidize or enable sprawl.

Although it lacks a sexy name, this law is landmark, momentous, and game-changing. It’s a very big deal for those toiling to revitalize cities, villages, and older inner suburbs, and for those trying to halt suburban sprawl in outer suburban and rural communities.

For decades, New York has been subsidizing what the folks at Empire State Future – a statewide smart growth and sustainable development advocacy organization – call “SWOG.”  SWOG is “Sprawl Without Growth,” the phenomenon that’s prevailed in New York for 60 years, as land has been developed at many, many times the rate of population growth. In fact, in most Upstate regions, over the last couple of decades, land has been developed rampantly–mostly in outer suburban and rural portions of the region – with flat or even negative population growth. For example, the Syracuse-Utica-Rome region of central New York developed over 100,000 acres between 1982 and 1997 despite losing 6,500 people; in Greater Buffalo between 1990 and 2000, four new housing units were built for every one household added to the population (figures courtesy of the Brookings Institution Metropolitan Policy Program).

SWOG is as bad as it sounds. This redundant and inefficient development spawns a host of economic, ecological, social, and aesthetic problems. Cities, villages, and older inner suburbs lose residents, businesses, and tax base to the suburbs and rural areas, leaving many-tentacled and compounding problems of vacant property and concentrated poverty. At the same time, the outer suburbs and rural areas – the receiving zones for most of the new development during the SWOG era – experience the scourges of rapid growth: traffic, rising tax burdens, compromised character and lost heritage, eradicated farms/farmers/farmland, environmental degradation, etc.

The SWOGulous SWOG (phrase inspired by Dr. Seuss’s The Lorax) described here was enabled significantly, and in many cases largely or completely, by infrastructure funds bestowed by the State of New York. These funds, for water pipes and sewers, roads, and other infrastructure, made much of the inefficient and redundant SWOG development happen. While New York is indeed a “home rule” state where cities, towns, and villages make most of the key land use and development decisions, these local governments certainly do knock on Albany’s doors when infrastructure money is needed. The local governments’ misinformed, ironic, and still wide belief that SWOG benefits local economies and taxpayers, when combined with the state’s willingness to support SWOG with its infrastructure dollars, has led, well . . . to a lot of SWOG.

So hopefully you can see now why the Public Infrastructure Priority Act is really, really exciting. If implemented properly and thoroughly, this new law can thwart a lot of damaging SWOG Upstate, and can simultaneously support essential urban and village revitalization. Ensuring proper and thorough implementation of the law is now the key advocacy quest for Empire State Future and like-minded organizations, for obvious reasons.

The Public Infrastructure Priority Act is an enormous leap forward for New York. But to achieve smart growth “for real” (borrowing my five-year-old’s favorite phrase), advocates must actualize cooperative regional and smart-growth planning at the local/municipal levels.  New York has come a long way, but we also have a long way to go.

For more information about the Public Infrastructure Priority Act and Empire State Future, go to www.empirestatefuture.org.