(Note: This post is part of a series called “Entrepreneurs of Waco.” The series is collaboration between the McLennan Small Business Development Center (SBDC), the Professional Writing program at Baylor University, and Act Locally Waco. The McLennan Small Business Development Center offers technical assistance, business mentoring, training, and resources for all stages of small business. For more information, visit their website: www.mccsbdc.com. To see all the posts in this series, click here: Entrepreneurs of Waco. – ABT)
by Chae Canale
For Courtney Rogers, the owner of Co-Town Crepes, venturing to Waco from Dallas was supposed to be temporary. Little did she know that it would become so much more than just a short pit stop, it would become a life changing decision.
After attending a discipleship training school at Antioch Church, Courtney enrolled at MCC and picked up a part-time job at the local restaurant, Sironia. There, she met Juanita, one of the chefs who encouraged Courtney’s passion for flavorful food. Even though Courtney was on the wait staff, she would slip into the kitchen to pick Juanita’s brain about food combinations. A year later, Juanita and Courtney ended up working together at The Epicurean, a vegetarian and vegan restaurant.
This experience resurrected an interest in nutrition that Courtney’s mother planted when Courtney was just a child. This history would later impact the menu choices for her business. While owning her own business was not part of her Waco plan, the aptitude for entrepreneurship stemmed from her childhood as well. Her father Cyrus Cozart said, “We taught the kids that money is earned, so the kids started selling bread at a very young age to earn their own money.” Courtney and her brother and sisters would sell bread to church members and the neighbors. This helped them make enough money to pay for their clothes and other things they wanted. So it is no surprise that her parents’ values set the guidelines for her future. Through these values and the passion for the Waco community, Courtney wanted to use her love of food to touch those around her.
“I have always loved crepes. Everywhere I would travel, I would get a crepe. So I got a recipe from a friend and I just started tweaking it and playing around with different ingredient combinations.” Courtney would spend hours in the kitchen experimenting. A friend mentioned that a Downtown Farmers’ Market was starting so Courtney started thinking about how she could be a part. “My husband and I actually started at the Farmers’ Market just out of a love for Waco back in 2011. We wanted to make it a fun place to live and really give people a fun food experience.” Courtney also wanted people to watch the crepes being made. “I see crepes as a very nostalgic food, tied to sweet memories.” Courtney’s mother believes her daughter’s passion for community outreach came from her youth pastors in Dallas. “They had a huge impact on Courtney’s life. They always had someone living with them, and they modeled the idea of community living—living for those around them,” explains Diane Cozart.
The Farmers’ Market also served as a learning experience for Courtney and her husband Kyle. It taught them how to run a business and how to manage different finances. During this period, the business grew by word-of-mouth. Periodically, they would evaluate the future of Co-Town Crepes. The name “Co-Town” was inspired by the kids in the youth group of Antioch, who jokingly referred to “wa-CO” as Co-Town.
Courtney and Kyle loved the business, but they weren’t sure about expanding; the timing didn’t seem right. That’s until the beginning of 2015 when Courtney felt God directing her to expand her business and to utilize her passion for the community through her love of food even more. After much thought, Courtney took this leap of faith. She gave up her full time teaching job and purchased her first food truck. The food trailer, purchased off of Craig’s List, was made in China, it didn’t have standard electrical outlets, and all the writing was in Mandarin. She admits that trying to register it was an adventure. “And I had a lot of help converting it into what it is today,” she says.
Between catering and the two locations, a site at the Magnolia Silos that operates six days a week and the popular booth at the Waco Downtown Farmers’ Market on the weekends, the expansion of “Co-Town” has surpassed each goal Courtney has set forth. Moreover, she has used her business to offer jobs to some people who just needed a second chance. In other words, Courtney isn’t content running a business; she wants her business to change lives. While it is about crepes, it’s so much more than crepes. Through her passion and love for the city of Waco, flavorful food, and community living, Courtney pours grace into the city one crepe at a time.
The entrepreneur…after graduating from Tarleton State University through the University Center at MCC, Courtney Rogers taught Family and Consumer Sciences at Axtell High School. In the summer of 2015, she began working full time, expanding Co-Town Crepes. She met her husband Kyle after moving to Waco in 2007. Kyle is a graphic designer, Co-Town’s longest standing employee and the kindest man you’ve ever met. She is passionate about investing in people and being a part of Jesus changing their lives.
Co-Town Crepes’ Locations:
Food truck park @ Magnolia Silos (Monday-Saturday)
Waco Downtown Farmers Market (Saturdays from 9am-1pm)
Contact Courtney at [email protected] or get more information and pictures of this yummyness at www.cotowncrepes.com
The writer…Chae Canale is a senior at Baylor University currently pursuing a degree in Child and Family Studies. At the age of 32, she decided to follow her dreams and go back to school in order to pursue her passion. Chae lives in Ft Worth and enjoys spending time with her 12-year- old daughter when she is not attending school. Her purpose in life is to inspire those around her to reach for their dreams!
The Act Locally Waco blog publishes posts with a connection to these aspirations for Waco. If you are interested in writing for the Act Locally Waco Blog, please email [email protected] for more information.
by Ashley Bean Thornton
“I tried to see a friendly face somewhere in the mob – somebody who maybe would help. I looked into the face of an old woman, but when I looked at her again, she spat on me.”
— Elizabeth Eckford, one of the Little Rock Nine
In September of 1957, nine African American high school students enrolled in formerly all-white Central High School in Little Rock, Arkansas. Arkansas Governor, Orval Faubus, welcomed the students, saying: “We have done some terrible things in this country – we enslaved people, we oppressed people, we killed people – based on nothing more than skin color. We can never erase these things, and we must never forget them, but we can and do repent of them. We are humbled, today, to be on the front lines of righting a great injustice. We look forward to beginning a process of racial integration that will benefit all our citizens, Black and White! For too long our schools have been segregated. For too long the Black students in our state have had to make do with inferior facilities and materials. For too long our communities have missed out on the full benefit of nurturing and feeding and growing and celebrating the minds and hearts and spirits of these beautiful young people. I am here today to throw open these doors in welcome, to usher in these nine exceptional students, and to usher in along with them a new era of freedom, justice and prosperity for the great state of Arkansas and, indeed for our whole nation.”
Oh, White America! How different our world might be if this were the story we could tell!
It is not.
Instead of giving these nine young people the heroes’ welcome they deserved, we met them with angry mobs and screaming. Instead of welcoming them, we threatened them and spat on them. We closed down the school district for a year rather than integrate it. When that didn’t work, we abandoned it. We ran away.
I’m not just talking about Little Rock any more, I’m talking about cities across the South, throughout the country…We moved out of the city. We created White suburbs and we put in place deed restrictions and loan restrictions at the bank so that the Black children could not follow us.
Now, almost sixty years later, we no longer have to scream and spit. Now instead of saying we moved out of town to “get away from the Blacks” we can say we moved out because “we want our kids to go to a good school.” Who can blame us for that? Never mind that our schools are “good” because rather than lean toward fairness and equality, rather than work for schools that could have benefited all children, we chose to gather up our resources (earned, certainly, but earned on a playing field that was anything but fair) and move to a place where Black children could not follow.
Now, a generation or so into our re-segregated lives, we feel perfectly justified in saying, “I’m not prejudiced or anything, but why should my hard earned tax dollars go to support a school system where my kids don’t even go?”
And so the struggling school districts keep struggling.
And so, the richer folks, who just happen to generally also be the Whiter folks, get better schools. And, the people who get better educations, as we know, get better jobs…and so on, and so on…
And what about the ones who were left behind? The ones without the good schools…the ones who are getting worse and worse educations, and worse and worse jobs? The ones who just happen to generally also be Blacker? It’s actually pretty easy not to see them.
And then someone…a young black man…gets killed. And another. And another. And another. And then five police officers are killed. And then we are wondering, what’s happening? No place feels safe anymore. What’s going on?
What’s going on, White America, is that we did a bad thing, many bad things. We enslaved people, we oppressed people, we killed people — based on nothing more than skin color. We treated our fellow human beings as less than human. We believed ourselves to be better than them. And when the time came to repent, to turn around, to acknowledge our wrongs and to sincerely devote ourselves to doing right, we did not. We still have not.
Instead of throwing the doors open wide, we called in soldiers to keep the door shut. When that didn’t work, instead of staying and building schools and communities where we could all live and thrive together, we grabbed our stuff and ran away. We figured out a way to build a society that has allowed us to continue to accrue the benefits of being White without having to admit to the unpleasantness of racism. At every step we have done the least we could do, and fought like Hell not to do that.
And now we White people realize something that Black people have known for a long time. The situation is dangerous. We are worried and afraid. We made this situation, White people, and it is going to be hard to fix it. And we will never fix it unless we take responsibility for it. If guilt is what it takes for us to take responsibility, then we need to admit our guilt. If self-interest is what it takes to take responsibility, then we need to realize that we will all be better off when our Black Brothers and Sisters are better off. If religious conviction is what it takes for us to take responsibility, then we need to pray to God to give us a hunger for righteousness. We need to take the responsibility. We need to shine a light on the disparities that still exist between the races, and we need to get to work doing our part to fix them.
This Act Locally Waco blog post is by Ashley Bean Thornton, she works at Baylor, helps out with Act locally Waco, and facilitates the Waco Foundational Employment Network which is a part of Prosper Waco. She likes to walk and doesn’t mind at all if you honk and wave when you see her.
The Act Locally Waco blog publishes posts with a connection to these aspirations for Waco. If you are interested in writing for the Act Locally Waco Blog, please email [email protected] for more information.
by Angela Ceccato
1) While mowing a friend’s lawn, I noticed that there were some small overhanging limbs. There was a yard crew next door. I boldly approached two gentlemen of color and asked to borrow their loppers. They agreed and apologized that the loppers were dull. Would either of them have felt comfortable approaching me, if the situation were reversed?
2) I made exasperated (NOT profane) gestures at an inconsiderate driver (a man of color), while driving in a predominantly “black” part of town. Would he have done that in my neighborhood regardless of how my driving affected him?
3) I had the joy of reading to children at Oscar DuConge Park without their parents’ explicit permission. Could a group of black women show up with books at Hewitt Park and read to children without parental consent?
4) I MAY or MAY NOT have “run” an orange light on Hewitt Drive. I lost count of the number of “Driving While Black” pullovers I’ve seen on Hewitt Drive.
If you are mentally making excuses to discount race in these instances, you are privileged as well. It is OUR responsibility to address the racial disparity that exists in our community. I never had to teach my boys how to behave, when approached by police. That is a luxury many in our community do not share. With privilege comes responsibility.
Angela Ceccato was moved to Waco, when she was twelve and chose to raise three beautiful brilliant children in the Greater Waco area. She’s a social worker for Waco ISD and is passionate about all children growing into their full potential. She and her spouse are adjusting to the empty nest and enjoy exploring Downtown Waco, hiking, reading, and occasional Netflix binges.
By Craig Nash
Early Thursday a friend posted that the Black Poet’s Society of Waco was hosting a Black Lives Matter vigil Friday in downtown Waco, and I decided to go. In these moments I often don’t know what to do or say, but I’m pretty good at showing up. Then right before going to bed Thursday, the news from Dallas came out and I wondered, “Should I go? Is it safe?” I felt fear, because aside from Waco and Brownsboro/Chandler/Tyler, there’s not a city on the planet that I know and love more than Dallas. Of course it wouldn’t happen in Waco, I thought, but before yesterday I would have said the same thing about Dallas.
As I reflected on my anxiety yesterday, it helped me understand my White Privilege more than anything else has. It’s also made me appreciate cops more. Because that fear and anxiety I felt was just a small slice of what cops feel every day when they put on the uniform, and it is a fraction of what black men and women feel every time they walk down the street, and every time they are pulled over for things that I get away with all the time because of the color of my skin.
It’s an interesting thing that cops and black people have this in common– They are targets because of the uniforms they put on, and because of the skin they can’t take off.
I went to the vigil last night, and it was peaceful. And meaningful. And I heard from the speakers, mostly African American, anger, sadness and lament, not just for Alton Sterling and Philando Castile, but for the law enforcement officers who lost their lives, and for the white and Hispanic men who were shot by cops in the past couple of days that the media has chosen not to cover.
And mostly, I heard this– Our black brothers and sisters are exhausted. This was my first vigil or rally to remember senseless killings. For many of them it is an occurrence that happens multiple times a year. And all they want is for their sons to live, something that should be taken for granted. And my prayer is that it will be so.
Craig Nash has lived in Waco since 2000. Since then he has worked at Baylor, been a seminary student, managed a hotel restaurant, been the “Barnes and Noble guy,” pastored a church and once again works for Baylor through the Texas Hunger Initiative. He lives with his dog Jane, religiously re-watches the same 4 series on Netflix over and over again, and considers himself an amateur country music historian.
The Act Locally Waco blog publishes posts with a connection to these aspirations for Waco. If you are interested in writing for the Act Locally Waco Blog, please email [email protected] for more information.
By Meilana Charles
Even as the Waco temperatures rise into the triple digits, many holiday celebrations still move outdoors. Here are a few tips on how to have happy, healthy summer celebrations outdoors.
Enjoy healthy options– Incorporate My Plate into the menu. Replace food high in sugar, salt and saturated fat with 100% whole grain, fruits, vegetables and lean meat and seafood options. Try fruit parfaits, grilled vegetable kabobs, 100% whole wheat buns and salmon patties. Additionally, use smaller plates to help with portion control.
Incorporate physical activity into the celebration-After the meal, enjoy the warm weather by going on a brisk walk with family members, have a scavenger hunt, play tug-of-war or have a jump rope competition.
Keep water handy-Stay hydrated by sipping on cold water instead of soda or other drinks. Too many caffeinated beverages are high in sugar and calories and can lead to dehydration. Try alternating caffeinated drinks with water.
Keep food safe-To reduce the chance of foodborne illness, use the four food safety principles-Clean, Separate, Cook and Chill.
- Clean – Wash hands by using warm water and soap for 20 seconds before rinsing. Also, clean and sanitize surfaces and appliances and thoroughly rinse produce.
Separate – Always keep fresh produce and cooked food separate from raw meat, poultry and seafood. Use different cutting boards, utensils and plates for cooked and uncooked foods.
- Cook – Keep hot food at an internal temperature of 140 F or higher. Use a food thermometer to make sure cooked foods are safe until it’s time to eat. For safe cooking temperatures of meat, poultry and seafood go to: https://www.foodsafety.gov/keep/charts/mintemp.html
- Chill – Keep cold food at 40 F or below by transporting and storing it in an insulated cooler with ice, dry ice or frozen gel packs. Additionally, keep food safe and out of the “Danger Zone” (40 F – 140 F) by eating or storing it within 2 hours (1 hour if the temperature is 90 F of higher).
This Act Locally Waco blog post was written by Meilana Charles. Meilana is a Family and Consumer Sciences Extension Agent at Cooperative Extension Program at Prairie View A&M University. Meilana’s priority areas for providing educational resources to McLennan County are general nutrition, money management and parenting. She has a M.S. in Child Development from Texas Woman’s University and is a certified Human Development and Family Studies professional through American Association of Family and Consumer Sciences.
The Act Locally Waco blog publishes posts with a connection to these aspirations for Waco. If you are interested in writing for the Act Locally Waco Blog, please email [email protected] for more information.
References: MyPlate Tip Sheet-Be food safe: http://www.choosemyplate.gov/foodgroups/downloads/TenTips/DGTipsheet23BeFoodSafe.pdf MyPlate Tip Sheet-Enjoy your food, but eat less: http://www.choosemyplate.gov/foodgroups/downloads/TenTips/DGTipsheet18EnjoyYourFood.pdf MyPlate Tip Sheet-Make celebrations fun, healthy and active: http://www.choosemyplate.gov/foodgroups/downloads/TenTips/DGTipsheet20MakeCelebrations.pdf MyPlate Tip Sheet-Make healthier holiday choices: http://www.choosemyplate.gov/foodgroups/downloads/TenTips/DGTipsheet32MakeHealthierHolidayChoices.pdf
By Christina Helmick
When people first learn that I’ve lived all around the world, their immediate question is “why Waco?” I’ve really come to love answering that question.
Here are a few things you should know about me:
I’m a military child (GO ARMY! BEAT NAVY!)- I’ve moved more than 12 times in my life (before college)
- I lived in Italy for two years during high school
- My dad served three tours in Iraq
- Waco is the place I’ve lived longest in my life (going on six years!)
All of that to say….I’m an expert packer.
Some people cringe at the idea of moving so often; I wouldn’t change a thing about how I grew up. I have met dynamic people and learned about different cultures first hand. I became the outgoing person I am today through the hundreds of “new kid ice breaker” games I’ve had to play. I also got a chance to live in different cities, ranging from Fort Riley, Kansas, with a population of a little over 8.000 to Arlington, Virginia, with a population close to 400,000 people. Each city opened my eyes to how the world works, and I learned to love a city for the unique experiences it has to offer.
Being a recent Baylor alumna, I enjoyed the Waco community while I was in school. I got involved in a local church and gained insights about Waco from community members that have lived in Waco their entire lives. I knew after I graduated from Baylor I wanted to stay in Waco. That sentiment is becoming more and more common. Many of my sorority sisters are looking for jobs in Waco so they can move back. More and more recent college graduates are wanting to stay in Waco and forego that enticing Dallas-type salary because the quality of life is better in Waco.
Waco embodies what I believe to be an up-and-coming city. It has the nightlife, the young professional environment, great education institutions, a culture of collaboration between community organizations and a thriving downtown area. Our community does have certain issues to work on together, which are being addressed through strategic conversations between community partners within the Prosper Waco initiative.
I believe in this town and I hope you do, too! To learn more about the efforts our community is taking to address the issue of increasing education, health and financial security, visit www.prosperwaco.org. You can also register for prosper Waco’s Annual Summit Event, which will be held on Monday, Sept. 19 from 4:00-8:00 p.m. at the Waco Convention Center. The Summit will be an opportunity for our community to come together to celebrate the progress of the initiative in the last year and discuss the vision for the initiative moving forward. Dinner and childcare will be provided for Summit attendees. Here is the link to register!
Christina Helmick is
the director of communication at Prosper Waco. She is a recent graduate of Baylor University with a BA in Journalism, Public Relations & New Media. Originally she is from Washington, D.C., but has stayed in Waco post-graduation. She is an active mentor at J.H. Hines Elementary School, enjoys spending time with her family and watching Baylor football. Sic ’em Bears!
The Act Locally Waco blog publishes posts with a connection to these aspirations for Waco. If you are interested in writing for the Act Locally Waco Blog, please email [email protected] for more information.
(Note: This post is part of a series called “Entrepreneurs of Waco.” The series is collaboration between the McLennan Small Business Development Center (SBDC), the Professional Writing program at Baylor University, and Act Locally Waco. The McLennan Small Business Development Center offers technical assistance, business mentoring, training, and resources for all stages of small business. For more information, visit their website: www.mccsbdc.com. To see all the posts in this series, click here: Entrepreneurs of Waco. – ABT)
By Payten Arthur
The Waco Hippodrome is a historic gem on the corner of Austin Avenue and 8th street. The distinctly shaped, bright red sign declaring the building the “WACO HIPPODROME” shines bright in the night. The interior of the theatre has maintained many features that remind guests of the building’s history. The red velvet curtains at the entrance to the theatres, the muted greens and reds of the carpet in the lobby, the brass candelabra sconces lining the aisles, the detailed lattice of gold, plaster rosettes that climb the walls and cover the ceiling, all whisper the stories of years gone by.
The Waco Hippodrome opened in 1914 as a vaudeville theatre, and has survived a fire and many changes in management. Since the late 1970’s the theatre has struggled to stay open. Many have tried to bring the Hippodrome back to its former glory, but were unsuccessful. Shane Turner and his brother, Cody purchased the Hippodrome in 2012. After a two-year renovation that involved adding a mezzanine level restaurant, they opened the Hippodrome’s doors to the public once again. Now the theatre is a versatile venue for seeing a film, having a meal, watching live theatre and music performances, and hosting charity events.
Shane Turner is a man who follows his heart. He describes this as “going with the flow” and has followed this practice throughout his life. He never planned on being an entrepreneur. He studied political science and had plans to become a lawyer. He even took the LSAT, but decided soon after that his heart wasn’t in legal work. Instead, he went into business with his brother, Cody. Their parents were entrepreneurs in construction, so it was natural for the Turner Brothers to go into real estate. The brothers have been developing properties in Waco for years. In those years, Shane has developed a love for building up and improving Waco.
Shane and his brother have found success in real estate. They own several multifamily properties and loft condominiums in the Waco area, including Tinsley Place and the Altura Luxury Lofts that are currently being constructed. But, the Hippodrome is different from those other properties. Why would they choose to purchase a movie theatre, especially one that has been sitting unused for years? The Hippodrome’s history of unsuccessful runs was surely not encouraging for potential business owners. Also, Shane had no experience running a movie theatre and restaurant. He has had to learn how to deal with studios and musicians and how to face the many challenges of running a restaurant, like employee turnover and understaffing. Money wasn’t the motivation. Shane’s passion to develop downtown Waco is what guided him to take on the Hippodrome. “We did the Hippodrome to help promote downtown. We didn’t walk into the Hippodrome expecting to be in the black the first month.”
The transformation Shane Turner desires is more than just seeing the downtown area fill with businesses. He loves the Waco community. “In Waco, people are easy to get along with. Some communities are closed off and they don’t want to share the wealth, but Waco isn’t like that.” He wants to make a difference that benefits the people in more than just economic ways.
The work he has done opening the Hippodrome is doing exactly what he hoped it would. The theatre adds some prestige to downtown and provides a place for people to enjoy themselves. Shane especially enjoys hearing the stories of the people who grew up watching movies or had their first date with their husband in the theatre. One big way Shane has had a social impact on downtown has been by providing the Hippodrome as a venue for Harris Creek Baptist Church on Sunday mornings.
Harris Creek’s mission is to “seek the welfare of the city.” In August 2011, Harris Creek they started a downtown campus in a building across the street from the Hippodrome, called the Palladium. It was a huge success. The two Sunday morning services were always packed. The problem was the level floor and columns in the Palladium made it almost impossible to see past the person standing in front of you. Shane, a deacon at Harris Creek, offered the Hippodrome as a new location. In November of 2014, the church made the move across the street.
It is easy to get lost in the wonder, beauty, and warmth that is created in the Hippodrome on Sunday mornings. The Hippodrome becomes a modern day cathedral, where people are praising God in an ornate, beautiful building. On a recent Sunday the pastor even started a series called “God in the Movies.” It seemed fitting to hear the sermon in a movie theatre.
After the service, people spill out of the theatre and mingle in the lobby or on the sidewalk outside. Everyone is smiling and laughing, making new friends and catching up with older ones. The feeling of love and community is tangible.
Shane Turner doesn’t brag about his accomplishments. He says “Go with the flow. See where it takes you. I never thought I’d be doing this and I’m enjoying it.” He acts as if his accomplishments just sort of happened and had nothing to do with him. It seems possible that he is not even aware of the impressive impact he has made.
Galan Hughes, Director of Ministry Development at Harris Creek, says of Shane, “He would say ‘I’m not the most articulate person, and I’m not a champion or a cheerleader,’ but he has an incredible heart to transform this city.” Looking at the Hippodrome and the lives touched by it, it definitely seems that way.
The entrepreneur… Shane Turner Graduated from Baylor University in 2002 with a degree in Political Science. Since graduating Shane has made a career in Real Estate and Real Estate Development. He started his first development almost 7 years ago and since that time has completed numerous other developments in multi-family, office, and commercial retail. He and his brother own a Real Estate Investment company whose portfolio ranges from single-family residential rentals, multi-family units, retail space, office space, and restaurant space. Shane is very active in his community and serves on the Boards of numerous charitable and community organizations. He is an active member of Harris Creek Baptist Church in McGregor, Texas.
The writer…Payten Arthur is a social entrepreneurship major at Baylor University. She lives in an apartment with her twin sister, her best friend, and her Great Dane, Marlowe.
The Act Locally Waco blog publishes posts with a connection to these aspirations for Waco. If you are interested in writing for the Act Locally Waco Blog, please email [email protected] for more information.
(Note: This post is part of an on-going series on financial literacy. Two of the goals of Prosper Waco have to do with accumulating wealth: (1) Reduce the percentage of Waco-area households living without three months’ worth of savings if they were not able to work. (2) More than 50 percent of Waco households will have a net worth above $15,000. Our hope is that this series will help move our community towards accomplishing these goals both by sharing information about some of the challenges, complexities and practicalities of managing finances. For other posts in this series, click here: Financial Freedom. — ABT)
By Phil Oliver
Financial patterns are established over time through both experiences and family practice. Sometimes these patterns turn into family spending habits that lead to some type of financial deficit. So, these patterns must be considered and addressed if true change will be accomplished.
It all begins with a spending plan and knowing exactly how much money you have coming IN and how much going OUT–where it actually goes by week-month-year. Once you know your patterns and habits, you can then decide where YOU want it to go by week-month-year. If you don’t know how much you have and where your money is going, you’ll never be able to make any new choices about it.
Remember, borrowing from others (even family) CANNOT be part of your plan!!! ATMs CANNOT be part of your plan!!
Debit cards and cash cards can continue to cause you to overspend if not part of your agreed plan. Practice spending cash—it hurts more than swiping plastic! (As explained in previous blogs, you might want to implement a cash envelope system in your household spending plan.)
Also, it is vital that all members of the household participate in MUTUAL, agreed sacrifice to attack and deficit. This is where EVERYONE in the household is required to participate (age appropriately) in the monthly FLOW process decisions both for family spending and PERSONAL spending. This brings the buy in and commitment that is critical into growing future SUCCESS! The financial deficit should give opportunity for conversations of changes that could be attempted and new goals to be discussed and decided on. These mutual, self-determined changes become the basis for ACTION STEPS that can be tried, discussed, revised, and then fully practiced.
When this is in place, THREE WAYS to address the deficit can begin:
1.Save (by spending less) – This is not just putting money in savings to have for emergencies, but looking at ways to save money and cut back on what you’re already buying by becoming a smarter shopper and intentional spender.
Some universal saving strategies are: competitive shopping using coupons, sales, buying in bulk, buying generic (the products are always satisfaction guaranteed so you can try it to see if you like it and want to substitute it regularly……..if not, take it back and try another.)
Here are some websites to give practical ideas you could use in your household financial discussions. Some will not apply to your household, but some will. Part of the discussion and financial education is deciding what will work the best for your household at this time.
- 54 Ways to Save Money – America Saves
- 100 Great Ways to Save Money – The Simple Dollar
- How to Save Money : 75 Super Easy Ways to Save Money
- 97 Easy Ways to Save Money – Simple Savings on a Budget
2. Sell Something – Yep….collect those things you no longer need or haven’t used for awhile and have a Garage Sale or list it on an electronic forum. Here are the most popular and most used:
- Craiglist
- Ebay Classifieds
- Sell.com
- Geebo
- Oodle Marketplace
- Backpage.com
There are also MANY emerging apps for your smart phone that will allow you easy, quick ways to “click and post” Some even specialize in certain type of merchandise.
Here are a few:
- Letgo
- Neerbuy
- Mercari
3.Work More – I know that many of you readers are finding it increasingly hard to just maintain your current standard of living, and many are already working several jobs to just make ends meet, especially with wages continuing to stagnate. That being said, I highly recommend that if you do seek more employment, to set up an account with the Texas Workforce Commission. The account is free and once you set it up, you can modify and adjust any of your job seeking choices at any time. There are many local and national employers who extensively use this service to help them find employees.
Another great possibility is to find a product or service you really enjoy, get familiar with it so that you become an expert on it then look for sources to buy and sell it. I have worked with people who were able to supplement their income by buying and selling golf clubs, baby items, sports equipment, or anything else that they already knew about because they used them personally during the week.
It really doesn’t matter what your (legal) choice is because once you know a product or service thoroughly, you know the prevailing cost or charges and can then buy it cheap and sell it for a quick profit. You can even use some of those same selling sites to find customers.
Finally, As you look to adjust your finances to match your INs and OUTs, be aware that you can’t do it alone. Enlist and engage your entire household in the process, and then bring in others that have shown financial stability and wisdom over time that you know in your family, fellowship or favorite civic organization.
I have found in my many years of financial coaching that healthy finances tend to flow from healthy relationships. I believe the approach I have presented here will help you make sure that you are investing in your relationships while you are attacking your deficit. The biggest product will be to grow mutual financial freedom now, and the tools to continue the legacy in your family’s future.
If you have further questions, please feel free to e-mail me directly: [email protected].
Phil Oliver is a retired educator. He is an independent Financial Coach, active mentor, and community activist. He has spent the last 8 years empowering individuals and families to take charge of their finances through his FLOW system. He is active in many community efforts to grow financial literacy and responsibility including Prosper Waco and Citizens for Responsible Lending. He consults with many local organizations to teach and inspire their efforts to empower clients in personal finances. You can contact him at: [email protected]
(Note: This post is part of a series called “Entrepreneurs of Waco.” The series is collaboration between the McLennan Small Business Development Center (SBDC), the Professional Writing program at Baylor University, and Act Locally Waco. The McLennan Small Business Development Center offers technical assistance, business mentoring, training, and resources for all stages of small business. For more information, visit their website: www.mccsbdc.com. To see all the posts in this series, click here: Entrepreneurs of Waco. – ABT)
By Shannon Lesko
Two minutes to throw, three minutes to assemble and stamp, another minute to trim, two days to fire, 30 seconds to glaze, and there you have it– a finished Magnolia Market mug. At the end of the week Black Oak Art has 1200 Magnolia Market mugs, at least, that’s what they’re averaging these days.
Meet Jonathan Martin, the mastermind behind this production. As a Baylor graduate Jonathan is, in some ways, back home in Waco, although he originally hails from Los Angeles. At Baylor he thought he might end up teaching for a living, which he did for a while. Then he returned to Los Angeles where he and his wife, Sara, helped plant a church. After living with their first child in a small one-bedroom apartment, he decided to move his family to Waco. He admits, “When we came back to Waco it felt like a defeat, but somehow I felt like God had spoken to me and that we were coming back into the promised land.”Jonathan smiled, almost in disbelief in what he was saying, “We had all these dreams in our hearts for whatever reason, and we had this sense of hope that God was going to bring us into those when we came back to Waco.”
Waco was not always the “promised land” though. Jonathan did his time as a “starving artist.” Well maybe not starving, but as he says, “peddling my wares wasn’t quite cutting it.” Initially he would fill his truck with boxes of pottery and drive around, stopping any place he thought might sell his pottery. Thinking back on those early days, he laughs.
It was a college friend who ignited Black Oak Arts workflow. Joanna Gaines, owner of the now famous Magnolia Market and star of HGTV’s hit show Fixer Upper, took note of Jonathan’s craftsmanship. “Joanna’s first order was for these gift baskets she and Chip would give to their realty clients, but at that point no one really cared if their logo was on the side of a mug.” That original order was for 25 mugs; now Jonathan is trying to get 1500 out the door every week.
Needless to say, Jonathan is not a one man show anymore. He has assembled a team and his dream of cultivating a workplace where potters could collaboratively create pieces together has come to life. That doesn’t mean that Jonathan has stopped getting his hands dirty; his clay splattered Black Oak Art apron can attest to that. While he maintains a friendly banter with the other potters, his hands carefully begin morphing a lump of clay into a cylinder and then, in one graceful motion, he gently draws out a recognizable shape. Effortlessly it seems, he lures a mug out of the shapeless lump. Jonathan explains that it’s not an exact science, and even though they try to get the same look every time, each one ultimately is unique – that is the magic of it all.
“There is something tangibly different about a hand-made piece,” Jonathan knows. At the Magnolia Silos, the patrons recognize that each piece is different. They carefully sort through the mugs to find the right shape, size, and look to complete the experience of enjoying their morning cups of Joe. Since the opening of the Silos in October, twenty-four thousand handmade mugs have gone home with Magnolia fans; that’s a whole lot of mornings that Jonathan gets to be a part of.
Jonathan’s dreams for the future include more than mugs. “I have these really cool pots and wall pockets in the works for Magnolia,” he says. Black Oak Art also plans to open a new storefront called Gather. “Gather is a sort of marriage between my passion for artisanship and my wife’s passion of entertaining,” Jonathan smiles. The retail store will hold tabletop treasures, all designed and hand thrown by Jonathan himself, ready to enrich the homes of patrons in new and unexpected ways.
Jonathan smiles as he remembers back to the days they only had twenty mugs on dock for a month, now he produces three hundred times that, “but it’s cool to look back and see that when we came back to Waco it really wasn’t a defeat but God was bringing us into this new thing. I don’t necessarily feel that we are promised years and years more of this, I mean, I could be back peddling my wares again someday, but I’ve learned it’s one day at a time.”
The entrepreneur…Black Oak Art is a local ceramic shop in Waco TX. Founded by Jonathan Martin a 2000 Studio Art graduate from Baylor University. Black Oak Art specializes in custom ceramic designs. We work with each client to create the pieces that match their needs and personality. We sell both wholesale and retail pieces.
The writer…Shannon Lesko puts her degree in Professional Writing to good use at the intersection of business strategy and creativity, as a Content Strategist. She is a lover of words, beginnings and Waco. You might find her around town exploring hidden gems, hiking, or brainstorming her next project with her husband. She believes there is power in telling stories and cultivating the dreams of the people behind them.
The Act Locally Waco blog publishes posts with a connection to these aspirations for Waco. If you are interested in writing for the Act Locally Waco Blog, please email [email protected] for more information.
By Ashley Bean Thornton
Ten years ago this summer I took a trip to New Orleans that changed my life. I went there for youth camp with the kids from my church. The camp had a focus on “missions,” and the “mission” that year was Hurricane Katrina clean up. Even though it had been a year since Katrina, the Ninth Ward where we were working was still the biggest mess I have ever seen or ever hope to see. The devastation from the storm was terrible, but that’s not what changed my life. It was like the storm had ripped the lid off the city so that it was easy to see the poverty and the wealth and everything in between. It seemed like the mess was already there, the hurricane just laid it bare.
I was 45 years old and I don’t think I had ever thought about “the systems” of a community and how they worked, much less whether they were fair or good. I think for my whole life I had been mainly just a “consumer” of my community. Busy using what I liked – schools, hospitals, roads, fun things to do — I hadn’t given much of a thought to what a community “should” be like, or the work that goes into shaping a community, or that I might have some responsibility for helping to create a good community.
That week in the Ninth Ward flipped a switch in me. I felt like the systems in New Orleans were broken – that all these people living in poverty was a terrible waste of potential and that our society couldn’t afford that waste. When one of the youth on the trip reminded us that the rate of poverty in Waco was just as bad as that of New Orleans, I began to feel a personal responsibility. I began to feel strongly that for all our sakes, we had to do better. I started trying to learn more about poverty, about what we could and should be doing, about what I could and should be doing.
Learning about poverty has been like dropping through Alice In Wonderland’s rabbit hole into a whole confusing, tangled spaghetti bowl of problems and opinions and statistics and theories and theology and political stratagems and turf issues about education and workforce development and affordable housing and health care and neighborhood development and all kinds of other interwoven issues. I learned that there’s a name for these kinds of tangled up messes where nobody knows what to do to make it better – they’re called “wicked problems.” Appropriate name. Trying to work on the “wicked problem” of poverty here in Waco has been an exercise in self-doubt and generally always feeling overwhelmed and ignorant.
All that to say…I wish I had never gone on that trip to New Orleans!
Ha! Kidding! (sort of…) It is frustrating, but it also feels like work worth doing, and I am in love with the idea that a community of people can work together to set goals and solve problems and accomplish things together if we can only figure out how and stick with it. Ten years in, I would like to think I had figured out a few things in that regard…kind of a unified theory of how to get things done…but I haven’t. All I have to show for my efforts is a pile of random, half-formed ideas. Here are a few of them…maybe you can help me make sense out of them as we are working together these next ten years…
- Focus on what you want, not what you don’t want. – We want a great community for everyone who lives here, not just “not poverty.” Keep the real goal…the higher goal… in mind.
- When it gets right down to it, relationships are what make things happen.
- Have faith that the faith you have is enough faith to keep going and to do some good.
- Participate and help at least ten times more than you criticize.
- It’s not enough to just be compassionate; we have to also try to be smart. We have to learn to use information better. But, we have to be compassionate too.
- Work with the people who want to work with you…if the others come along later, great, but don’t waste time and energy trying to drag them.
- Don’t feel like you always have to invent a new thing. Chances are, someone is already doing something. Listen to them. Learn from them. Build on what they are doing.
- It does cost money to do stuff. Not everything can be done for free or cheap. (But if you don’t have money, there is still stuff you can do.)
- Try things – they might not always work, or work like you think they will, but you will almost always learn more than you would by talking and not trying.
- It’s easy and more comfortable for White people to ignore the role that race plays in all this. Don’t ignore it.
- When in doubt, err on the side of boldness.
- Do what you think is right – people are going to gripe at you either way, so you might as well do what you feel good about.
- If you don’t have any ideas about what to do, go around the table and have everyone share their ideas. There is probably some quiet person who has a great idea, but hasn’t said it.
- Sometimes you don’t need a new idea, you just need to apply the ideas you already have more consistently. Sometimes, though, you need a new idea.
- Keeping up with the details – the to-do list, the email list, the meeting notes – is half the battle.
- When in doubt, over communicate.
- “Them” is always us.
- Art and song and dance and joy and play and fun are central. They are not “fluff” to be ignored until we are done with the “important stuff.” They are the things that fuel the creativity and energy and passion we need to do the “important stuff.”
- Don’t forget to say “please” and “thank you.”
This Act Locally Waco blog post is by Ashley Bean Thornton, she works at Baylor, helps out with Act locally Waco, and facilitates the Waco Foundational Employment Network which is a part of Prosper Waco. She likes to walk and doesn’t mind at all if you honk and wave when you see her.
The Act Locally Waco blog publishes posts with a connection to these aspirations for Waco. If you are interested in writing for the Act Locally Waco Blog, please email [email protected] for more information.