Read our latest newsletter here!

How to Effectively Get Out From Under Credit Card Debt

Credit card debt is unfortunately a likely outcome for people who are affected by disasters as the recovery process is long, expensive, and can put a significant financial strain on a family. Our friends at LendEDU put together this great resource on real solutions for getting out of credit card debt… it is possible!

Credit card debt is a means to an end for millions of consumers each year. The ability to quickly pay for an unexpected expense, such as a car repair or a medical bill, is one of the biggest benefits of having available credit. However, without a plan to pay off credit card balances, many people find themselves drowning in high-interest credit card debt.

Over the last year, the total amount of consumer debt hit a peak. As interest accrues on revolving debt balances each month, it can seem like there is no end in sight to paying off what is owed. This is especially true when interest rates are over 20% on some credit card accounts, and only the minimum monthly payment is being made.

Fortunately, there are ways to dig yourself out of credit card debt and get back on track with your financial life through one or more of the following strategic methods.

Read more

How to Get the Most Out of Renters Insurance

In the last blog, I discussed the nuts and bolts of renters insurance and how affordable it is… so there’s no excuse not to have it! And while renters insurance can be very helpful, if you don’t know how to use it, it can end up being a tremendous headache.

Read more

Our Front Porch’s Maggie Babyak was interviewed for this Denverite article.

 

“Our Front Porch, a Denver-based nonprofit founded four years ago, helped train the Love INC navigators. Our Front Porch was co-founded by social worker Babyak, who said caregivers can end up feeling as traumatized as those they are trying to support. Babyak urges helpers — whether family, friends, staff from insurance providers and other companies as well as from nonprofits and government agencies — to pay attention to their own needs as well and be clear about what they can and can’t do.”

Average Cost of Renters Insurance

Guest Blogger: Jeff Gitlen, LendEDU

Renters insurance is highly underrated and often overlooked. So when we came across this blog Jeff Gitlen wrote, originally published on the LendEDU blog, we just had to share his straightforward explanation and research on just how little a policy actually costs (HINT: it’s about the cost of a pizza!). When disaster strikes, having a renters insurance policy in hand can be helpful – read on for more!

 

At a Glance:

The average cost of renters insurance across the United States can change depending on where you live and how much coverage you need. Given the low cost – on average about $16 per month – and high value, a renters insurance policy can be a wise investment for renters.

Read more

Our Front Porch at the Windermere Apartment Fire Disaster Assistance Center

Our Front Porch helps out at the Windermere Apartment Fire Disaster Assistance Center, passing out free undies and socks, building a list of cilents needing services, and educating people on what long term recovery looks like. Click image for video (OFP is at 1:09!)

This Work is Hard

Guest Blogger: Paxton Leibold, Our Front Porch 2017-2018 Intern

Hurricane Harvey. Photo Credit: Olivia Vanni/The Victoria Advocate/Associated Press

Coming into this internship, I did not know what to expect. I had little to no clinical experience, I had never worked with the ‘short term’ homeless population nor clients who had severe trauma, and I honestly did not know how to do case management, let alone effective case management. However, while being a part of this organization, I learned how to do all of this and so much more. I learned that trauma can manifest in completely different ways within the same disaster, and that people are the most resilient when something tragic happens to them. From clients that have anxiety and depression, to clients that just want to move on; they are all resilient and deserve help. Another thing that I learned is that I am so irritated with how our society is ran. These types of clients (short term homeless) get little to no assistance through resources through in communities; why you ask? Because these people are physically not living on the street; per the homeless requirement in Denver, so they do not meet the criteria for government aid.

How messed up is this?

Read more

Sympathy is a Garbage Emotion

Guest Blogger: Taylar McCoy, Our Front Porch 2017-2018 Intern

While working at Our Front Porch I have been able to hone some really useful skills, but one thing seems to stick out the most. Our Front Porch has given me an outlet to truly understand the difference between sympathy and empathy. Some people see these words as synonyms, but they are quite different. There are four words that I would consider to be related, but distinguishable: pity, sympathy, empathy, and compassion. Sympathy and empathy tend to be the two ideas that are intertwined the most. I would argue that empathy includes a component of connection and emotional intelligence that only comes from practice.

Read more

The Art of Communication

Maggie’s Perspective

As one of my favorite Phish lyrics states, “I see the path ahead of me and in a minute I’ll be free”.

I am now free and living the so-called American Dream. It has been two months since I joined OFP full time and it is amazing. I work for myself, make my own hours and have no one telling me what to do.

I have worked very hard my entire career and have been focused on getting to this place. I’ve developed clinical programs, managed a variety of professionals, and am confident in my work surrounding disaster survivors. Heather and I have worked together for several years and have our flow down.

Heather & Maggie at Colorado Impact Days.

Read more