Sandy Smith presented the program, 52 Ways to Climate-Proof Your Finances, at the recent Heart-N-Hands Extension Homemaker’s Club meeting. The group met at the Pursuit Church in White Hall.
Consequences of climate change are substantial and escalating due to the increased frequency and severity of weather events, rising sea levels and higher temperatures, she said in the presentation.
American families are increasingly vulnerable to climate related risks, which have cascading effects on finances. These hazards are likely to impose compounded financial hardships for families — especially for disadvantaged households — without significant intervention, Smith said.
Smith stressed the importance of taking steps to enhance financial well-being and increase financial resilience. The U.S. Department of the Treasury suggests that the first step is to build awareness.
Personal finances should be carefully considered:
Independent reporting for Pine Bluff & Jefferson County since 1879.
Secure all important household/family documents in a safe location and make electronic copies of all documents. Use a waterproof and fire-resistant safe.
Create a household inventory.
Use your phone’s camera to document.
Create or add to an emergency fund.
Diversify investment portfolios to invest in growing environmental, and social markets.
Create and use a spending plan to help you stay on track (have sufficient money for an emergency fund, home repairs, and additional savings.)
Review your insurance policies annually. Consult with your insurance agent to understand your current coverage, assess needs, and identify needed changes. Take steps to understand how your insurance works including how to file a claim. Know your insurance exemptions.
Conduct a home energy audit to find the steps and upgrades that will save you the most money.
Smith stressed the importance of creating an emergency preparedness plan. Take time to assemble supplies and equipment you might need if a weather event happens.
OTHER HEART-N-HANDS BUSINESS
During the business session, Delores Kelley stated that donations of juice boxes, individual cereal packs, oatmeal and macaroni and cheese would be appreciated for the Backpack Project.
Nancy Rosen said that the next date for filling bags for the Backpack Project was May 22. President Jody Stout and Lynda Toler volunteered to help.
The following nominees were elected as club officers for 2025-2027: President Sandy Smith, Vice President Jody Stout, Secretary Tracy Diaz, Treasurer Connie Herrin and Parliamentarian Delores Kelley.
Jody Stout, current president, announced that the Arkansas Extension Homemakers Council State meeting will be held June 3-5 at the Holiday Inn by the airport in Little Rock.
After the meeting, the club went to Wright’s Ranch House for lunch.