The housing burden

The Federal Reserve Bank of Kansas City’s Low to Moderate Income Survey for the 3rd quarter showed a slight decrease. Employment improved slightly, but the improvement was offset by the decline in the availability of affordable housing and credit.

Our homeless families, of course, fall into the low income segment the survey measures. We saw some of the same improvement in employment recently. The average wage for the adults who found jobs was hovering around $10/hour until September when it rose to $12.

At $12/hour, a single parent will earn about $25,000 per year. Housing costs will start to become a burden if rent and utilities climb together are above 30% of income = $7,500/year or $624/mo. Rent alone averages $784 for a two bedroom apartment in the Kansas City area, which means our families will remain financially fragile.

However, our families will not be alone. A study from the Joint Center for Housing Studies at Harvard University, a record 20.2 million people spent more than 50% of their income on housing as far back as 2010. Most of these families will live in or on the brink of poverty, but the vast majority will not become homelessness.

If history prevails, 80% of our parents will not become homeless again. They may struggle, but they leave better equipped to provide for themselves and their children. And, the children leave knowing they have options that may break the cycle of poverty.

How important is a father in the life of a child?

In my life, and my son’s, the answer was easy - “he was crucial.”

But, how many of us realize that, for a poor child, a father’s involvement can be the difference between homelessness and stability?

The tenth research brief from the Institute for Children, Poverty and Homelessness highlights the characteristics of “fathers of poor and homeless children and examines the differences in fathers’ involvement, finding that unstably housed children have fathers who contribute less to their financial and developmental well-being.”

That’s what I would have guessed, too.

The parents don’t have to be married for the child to benefit. The father just has to be involved. “Children whose fathers are accessible and engaged display fewer behavioral problems, lower levels of delinquency, higher IQ scores, and less psychological distress than children with less-involved fathers.”

It’s interesting that the father benefits more if the parents are married. “Married men are healthier, happier, and engage in less risky behaviors than men who remain single.” The research shows that poor men who marry “experience greater income growth and are more strongly attached to the labor force than those who remain single.” Poor fathers who don’t marry the mother work and earn less.

Surprisingly, a lot of poor mothers choose not to marry the father, because they’re afraid they won’t be able to rely on the father in the long run, but will lose their benefits (TANF or food stamps) in the short run. Our young mothers often choose not to apply for TANF, because the State of Missouri will first go after the father for child support. Some don’t want to jeopardize the relationship with the father and others want to control the fathers’ involvement with the children. They reason, if they don’t collect child support formally, they can limit the father’s contact.

We have had more two parent families in the last few years than in all the previous years of our program.

One of the two parent families spoke to the current residents at our graduation ceremony last week. We couldn’t have asked for a better message from that father. He encouraged the current residents to see our program as an opportunity and to take responsibility for their lives and their children’s. He certainly has. This particular father found a good job and is buying a house using his VA benefits.

From our perspective, the odds are on the side of this family. 80% of the residents who find a permanent home keep it for at least 5 years. The data from this study tells us that his child has a good chance to live a stable life and never be homeless again.

It's complicated

The world of homelessness is complicated. Think of a collage of faces - teens living on their own, children living with their families, single moms and dads and their children, two parent families, and adults who have been living on the streets for years. The needs are very different and the solutions are just as varied. It’s a complicated picture.

We don’t pretend to be an expert in providing services to anyone but homeless families. We focus on families because the lives of the children can be changed if their parent(s) can get on their feet. And, we focus on equipping the parents to provide for themselves and their children.

We’re about to enter into a study with Dr. Jeff Ehrlich from Park University to identify the characteristics of the families who succeed and those who fail. So, I’ve been analyzing the data we already collect to find correlations that predict success (leaving for permanent housing) for our families.

The strongest correlation I’ve found isn’t with the length of time they stay in our program or even whether they are employed when they leave (think subsidized housing). The strongest correlation is with their self-sufficiency scores at entry. No big surprise really. It fits with the conclusion a friend of mine drew in her doctoral thesis studying homeless teens. Inner resiliency was a key factor for the teens who were able to exit homelessness.

That made me look at the self-sufficiency assessment scores for some of the families I know with new eyes. I have new hope for a single father who became homeless after his wife died in 2010. She had kidney disease from the time they married in 1999, but still gave birth to two daughters. He lost a good job taking care of his family during her protracted final illness.

From personal experience, I know that the loss of a spouse is one of the biggest blows in life. But, I was fortunate. My husband was older, our children were grown and helped in his care. My employer gave me family leave. He had life insurance, and I didn’t lose my job.

We all experience difficult passages in our lives, but we have different “safety nets.”  Mine was bigger and stronger than our single dad.

Please remember that you can’t paint the homeless with one brush. The lives of homeless families are complicated in ways you may never experience, but you can hopefully understand.

No easy answer to budget deficits

One of the observations from the eighth brief in the Institute for Children Poverty and Homelessness’ series highlighting the characteristics of families who become homeless with young children: “Children who attend early education programs are also more likely to succeed in school and earn higher salaries and less likely to commit crime or utilize public assistance.”

Here’s a disturbing thought for the future. Across the board budget cuts in January 2013 would eliminate funding for 364 Head Start jobs and serve 1,745 fewer children in Missouri alone according to a July 25, 2012, report called Under Threat: Sequestration’s Impact on Nondefense Jobs and Services from Senator Tom Harkin. Senator Harkin Chairs the Senate Appropriattions Subcommittee on Labor, Health and Human Services, and Education, and Related Agencies.

What do (homeless) children need?

We always look at studies with an eye towards what we can apply to our own programming. The seventh research brief in the series from the Institute for Children, Poverty & Homelessness shifts the focus to the children.

We have long felt that the best impact we can have on homelessness will be through the children.  

The brief tells us that “poverty is linked to lower-quality parent-child interaction; children who grow up poor tend to have home environments characterized by more authoritarian parenting and fewer opportunities for in-home learning than those of higher-income families.” But, it goes on to say “enrollment in high-quality child care programs can moderate the negative impacts of poverty.”

The homeless mothers in this study were the least likely to obtain the subsidies that would help them afford child care. Even when they do get the child care subsidy, “poor parents with fewer economic resources are less likely to select center-based care and more likely to rely on relatives and less formal care arrangements than those with more resources.”

The decision to use the less formal child care arrangements has a lasting impact on their children.

“Center-based formal child care programs have been linked to positive developmental outcomes for poor children. High-quality child care can positively impact “language skills, cognitive growth, and socio-economic development among poor children.”

Would you be surprised to know that the brief reported that only 3% of the homeless mothers in their study enrolled their children in Head Start? While there is a grain of truth in the myth that the educational benefits of Head Start fade-out over time, according to Steven Barnett of the National Institute for Early Education Research, “nearly all studies that measured school progress find lasting impacts on grade repetition, special education and high school graduation.”

We have long guided our families to enroll their children in the wonderful non-profit day care up the street from us. The study reinforces the value of our plan to add a collaboration with another non-profit that can help place the kids in Head Start programs.

We’re also trying to teach alternatives to the authoritarian parenting style often seen in poor families.

In a 1995 book called Meaningful Differences, Betty Hart and Todd Risley wanted to understand why a curriculum they helped design gained only mediocre results for the children in a poor black Kansas City neighborhood. It led them to conclude that differences in parenting factor into the gaps between upper- and lower-income children.

Hart and Risley found that the average number of words heard in an hour by professors’ kids was 2,150, 1,250 for working-class children, and 620 for children in welfare families. More than that, the parents didn’t just talk less, they didn’t talk as kindly to their kids and communication could be summed up in the word “no.”

But parenting style can change, when the parent grasps the impact on her children. Our Senior Director of Programs was thrilled to read a response to a family problem solving question for one of our life skills modules. The mom said she wanted to change the way she disciplines – from yelling to talking in a calm and clear way to her children. She wants to stop punishing, and begin disciplining her kids. With a mom who takes responsibility and "owns" her role like that, there is lots of hope for her kids.

More light at the end of the tunnel

We study the impact of our programs on the lives of our homeless families in a number of ways. We assess our influence on their self-sufficiency, getting a job, learning new coping skills, re-establishing a permanent home for their children, etc.

We also measure whether their financial well-being improves by the time they leave the program.

We know from Kansas City Federal Reserve Bank studies of low & moderate income populations, that the people on the lower end of the income scale suffered more during the recession and felt the impact longer.

When we graphed the average income for our families from entry to exit, we saw a vivid illustration of the impact of the economic downturn on people at the bottom end of the financial ladder.

Average income for our exiting families hasn’t approached the poverty level since 2007.

Even though the average amount of public assistance was consistently lower by the time they exited and taxable income was higher, in some years it was barely so. Parents who came in with jobs in 2008 and 2009, lost them, and could only find part-time or lower paying jobs. Their jobs alone didn’t pay nearly enough to adequately feed and house their families.

Things started improving in 2010 and 2011. Let’s pray for light at the end of the tunnel in 2012.

Nothing left to lose

Every couple of years, Scott Jolley, of Scott Jolley Productions, creates a video for us. This year, he and Teresa, our Associate Executive Director, wanted to create an image that opens a moment in the lives of families on the edge of homelessness for those of us who have never been in such desperate need. I’ve attached a link to his blog about Community LINC so that you can see the images he captured and read what it meant to him.

http://www.sjps.tv/about-sjps-steadicam-jib/blog/