RSS Financial Resilience


Help make the Santa Barbara Foundation Behavioral Health and Resilience Educational Series More Personalized, Interactive, and Intelligent, and Directly Applicable to the Communities of Your Greatest Concern.

An App to Fill the Gap!

For Benefactors and Sponsors of the Santa Barbara Behavioral Health Educational Series

Paying Forward Charter Sponsor Packages

  • Our Initial Donation Goal for This Project is $50,000.

Use of Funds:

  • Refining the present program
  • Building, testing, and marketing a special “App to Fill the Gap”
  • Developing other special educational programs in this Behavioral Health Series.
  • Making these programs freely available to economically disadvantaged, minority, and vulnerable members of the community.

Donation:

  • Please make your tax-deductible contribution payable directly to “Resilient Santa Barbara Fund” at the Santa Barbara Foundation
  • For more please click the FUND button on the top right of your screen.

Springs of Amethysts- $ 100

  • Public Recognition as a Community Health Charter Sponsor
  • Signed individual copies of Piloting through Chaos—The Explorer’s Mind (Julian Gresser/2013)
  • Free gift membership in the Self-Care Multiplier Exchange

Rivulets of Moonstones - $500

  • Amethysts awards plus:
  • 5 Free Gift Memberships in the Self-Care Multiplier Exchange
  • Resilience Reflex Ball

Sparkles of Opal - $1K

  • All of Amethyst and Moonstone awards plus:
  • Public lecture in your honor
  • 10 Free Gift Memberships in the Self-Care Multiplier Exchange

Fountains of Pearls - $5K

  • All of Amethyst, Moonstone, and Opal awards plus:
  • ½ workshop/ training/consultation with any organization or company of your choice in Santa Barbara
  • 15 Free Gift Memberships in the Self-Care Multiplier Exchange

Jade Eddies - $10K

  • Amethysts, Moonstone, Opal, and Pearl awards, plus:
  • Two ½ workshop/training/consultation with any organization or company of your choice in Santa Barbara
  • 20 Free Gift Memberships in the Self-Care Multiplier Exchange

Sapphire Brooks of Laughing Hearts - $25K

  • All of Amethyst, Moonstone, Opal, Pearl, and Jade awards plus:
  • 20 Free Gift Memberships in the Self-Care Multiplier Exchange
  • Development and delivery of specialized Behavioral Health and Resilience Program for communities of special concern or interest to you.

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Ruby Streams of Laughing Hearts - $35K

  • All of the Amethyst, Moonstone, Opal, Pearl, Jade, and Sapphire awards plus:
  • 10 hours of dedicated free consulting time to community causes of highest priority to sponsor
  • One full day (1) training program with materials for organization of choice to you.
  • Special prize award to designated cause of choice.

Contact Us


Diamond Rivers of Laughing Hearts - $50K

  • All of Amethyst, Moonstone, Opal, Sapphire, Ruby awards plus:
  • Two full day (1) training programs with materials for organizations of your choice.
  • Matching grants to designated organizations of choice any time within the next three years.

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Financial Resilience

Financial resilience is the personal ability to withstand life events that have a significant impact on one’s income and/or assets. It is also a general indicator of the robustness of a financial system at any level of local, national, or international organization. At all levels integral resilience offers a lighthouse to ships on increasingly  turbulent seas.

Financial resilience is the personal ability to withstand life events that have a significant impact on one’s income and/or assets. It is also a general indicator of the robustness of a financial system at any level of local, national, or international organization.

Physical, mental, and emotional health and vitality can be directly impaired by low financial resilience, and strong financial resilience can in turn contribute to an overall sense of wellbeing. On a personal level building personal financial resilience matches well BHI principles.

Some key recommendations:

  • Maintain a low debt-to-income ratio. Monthly consumer debt payments should be 15% or less of monthly take-home pay. Example: $275 of debt payments divided by $2,500 of net pay equals a consumer debt-to-income ratio of 11% (275 divided by 2,500), which is under the 15% danger zone.
  • Maintain an emergency fund of at least three month’s expenses. Keep this money liquid in cash equivalents such as a bank or credit union savings account, money market fund, or short-term CD.
  • Never consider your education or job training finished. Continue to develop new marketable skills and take care of your health (e.g., good nutrition, screening exams, and exercise) to increase your human capital and remain employable in today’s very competitive labor market.
  • Purchase adequate life insurance to protect dependents against the loss of a breadwinner’s income and disability insurance to provide continued income following an accident or illness.
  • Increase your knowledge of financial topics so that you make smart financial decisions.
  • And the five (5) key questions:
    • How diversified are my income streams?
    • How secure are my income streams?
    • What’s my debt-to-income ratio?
    • How much cash can you access in an emergency?
    • How much slack do you have in your budget?

As Integral Resilience reduces fear and panic and supports prudent and farsighted decision making, it would be sensible to link financial and integral resilience in community health education programs.

Notes:

Next: Insurance and Resilience

Comments Welcome