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Black residents in Illinois are eight times more likely to be homeless

The state has earmarked $290 million for homeless services this year but advocates are asking for an additional $100 million for emergency housing, assistance and prevention programs.

Photo: Jon Tyson/Unsplash

by Judith Ruiz-Branch
Illinois News Connection

CHICAGO - Black residents in Illinois are almost eight times more likely to be homeless than white people, with lack of livable wages and affordable housing among the primary drivers.

Researchers from the University of Illinois Chicago said homelessness is an issue of equity with Blacks disproportionately represented across the state. Rent burdens and economic hardship are both driving factors. In 2022, about 63% of Black renters spent more than 30% of their paycheck on housing.

One in four Black residents is living in poverty in Illinois and one in seven is in deep poverty.

Chama St. Louis, director of organizing and network expansion at the National Black Worker Center, experienced homelessness in the winter of 2011. Even though she was working full-time, she said she could not afford to pay for housing and basic needs for her and her family.

"I felt like I was doing everything right," St. Louis recounted. "You can do everything right and still end up in a place where you don't have a home, because the system is failing us."

One in four Black residents is living in poverty in Illinois and one in seven is in deep poverty. St. Louis argued the Trump administration's dismantling of DEI efforts will only further compound matters.

The state has increased investment in programs such as Home Illinois to address the significant rise in homelessness. St. Louis pointed out even though she registered her and her family as homeless, many programs required her to travel based on the availability at shelters on any given day.

"When we had no gas, then we were sleeping in Walmart parking lots," St. Louis explained. "And on days it was really cold, I would take the kids inside of Walmart and make pallets for them at the bottom of a cart and push them around Walmart for seven hours until the sun came up."

St. Louis added she is now dedicated to helping others who experience homelessness. Along with advocating for improved conditions and wages for Black workers, she stressed she tries to humanize the crisis.

"Outside of the real work that we have to do around policy and making sure that people from a systemic standpoint are being treated fairly, we still have to make sure that we are human beings who care about one another and want to see each other do well," St. Louis emphasized.

The state has earmarked $290 million for homeless services this year but advocates are asking for an additional $100 million for emergency housing, assistance and prevention programs.

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Create a cozy outdoor space this spring and summer with a backyard firepit

Photo: Jesse Bridgewater/Pixabay

Family Features - A firepit can serve as a warm and inviting backyard retreat, perfect for roasting marshmallows for s'mores or stargazing while wrapped in cozy blankets. Before you can share time around the firepit with loved ones, however, consider these tips to elevate your outdoor space.

Choosing the Right Design

When it comes to building a DIY firepit, the design you choose can significantly impact the aesthetics and functionality. From classic stone pits to modern metal designs, the options are nearly endless. Think about the size and shape as well. Circular designs are traditional and encourage conversation while square or rectangular pits offer a more contemporary look.

Gathering Materials and Tools

Essential materials include bricks, stones or metal parts for the structure, as well as gravel or sand for the base. Fireproof materials are a must to ensure safety and longevity. You'll also need tools such as a shovel for digging the base, a level to ensure even construction and adhesive or mortar for binding materials together. Depending on your design, you may require a metal fire ring, grill grate or mesh cover.

Keeping Safety in Mind

Safety should be your top priority when building and using a backyard firepit. Always place your firepit at least 10 feet away from any structures, trees or flammable materials.

Make sure the area is clear of dry leaves and other debris that could catch fire. Consider installing a spark screen to prevent embers from escaping and always keep a bucket of water or fire extinguisher nearby.

Enhancing Ambiance with Seating and Lighting

Creating a cozy atmosphere around your firepit involves more than just the fire itself. Comfortable seating is essential for making your outdoor space inviting.

friends around firepit

Whether discussing the latest political news or planning a wedding, a backyard firepit is a great place to entertain family and friends.

Photo: Pexels/Kindel Media

Choose weather-resistant chairs, benches or DIY log stools arranged in a circle to foster conversation. Ambient lighting from string lights, lanterns or solar-powered path lights can elevate the mood and extend the usability of your firepit into the evening.

Consider adding citronella candles or torches to keep insects at bay while enhancing the ambiance.

Visit eLivingtoday.com to find more ideas to make your home even cozier.

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Best paint colors to refresh your new space

SNS - The right paint can completely change how a space looks and feels. Whether moving into a new home or simply updating a room, choosing the best colors to refresh your new space is essential. When you choose the right color palette, the space will look brighter, larger, or cozier. Paint colors influence mood and set the atmosphere. Some shades create an energizing effect, while others promote relaxation. Finding the right balance ensures that your home feels inviting and reflects your personality.

Preparing a Room for Painting

Before painting, proper preparation ensures a smooth and long-lasting finish. Start by clearing the room of furniture or covering items with protective sheets. Clean the walls to remove dust, dirt, and grease that can affect paint adhesion. Patch any holes or cracks with filler and sand them smooth once dry. Use painter’s tape to protect trims, baseboards, and edges. Apply a primer if changing to a significantly different color or covering stains. Ensuring proper ventilation speeds up drying and minimizes fumes. With the room prepped, painting becomes easier and delivers a polished result.

Paint Your Room While It Is Empty

The room is easiest to paint while being empty. If possible, schedule your painting and renovation before moving in. This allows you to move into a fresh, functional space without worrying about furniture getting in the way. However, don’t tackle the furniture lifting alone, risking potential damages and injuries. Instead, hire professionalmover.ca to handle your transport to a storage unit. Their services make settling in easier, giving you more time to focus on painting your walls without bumping into furniture.

Best Colors to Refresh Your New Space

Selecting the right colors to refresh your new space makes a significant impact on how your home feels. Light tones make small rooms look more spacious, while darker shades add depth and elegance. To make a space feel fresh and inviting, opt for soft, neutral tones or muted pastels. If you want a more vibrant look, incorporate bold hues sparingly as accent colors. The right shade can breathe new life into a room without requiring a complete renovation.

Soft Neutrals for a Timeless Look

Neutral tones work well in any home. They provide a fresh, clean look and allow flexibility when decorating. Warm white adds a creamy touch that pairs well with natural materials. Soft beige is ideal for creating a cozy and inviting atmosphere. Light gray offers a modern and sophisticated feel that suits any room, while greige, a mix of gray and beige, brings the best of both worlds with its balance of warmth and coolness. Neutrals create an excellent base for adding accent colors through furniture, textiles, and decor.

Earthy Tones for a Natural Feel

Earthy colors bring a grounding and calming effect. These hues connect your space to nature, making rooms feel harmonious. Olive green adds a natural, refreshing touch to living spaces. Terracotta brings warmth and richness, making it perfect for accent walls. Deep brown creates a sense of comfort and coziness, while warm clay, a soft blend of orange and brown, enhances natural light. Using earthy tones makes your home more cozy and enhances the natural elements in your home, such as wood furniture and plants.

Soft Blues and Greens for a Calming Atmosphere

Blue and green shades have a calming effect and work well in bedrooms, bathrooms, and living spaces. Sky blue creates an airy, refreshing ambiance, while sage green is a muted, soothing shade that adds a subtle pop of color. Teal, a mix of blue and green, adds depth and personality, and pale aqua is a soft and gentle shade that promotes relaxation. These colors work well with both contemporary and traditional interiors.

Bold and Dark Shades for Drama and Sophistication

For a dramatic look, deep and bold colors can add elegance and sophistication. Charcoal gray provides depth and pairs beautifully with metallic accents. Navy blue is a bold yet classic choice for bedrooms and dining rooms. Forest green is rich and inviting, making it perfect for accent walls, while burgundy, a deep red, brings warmth and personality to any space. Dark shades work well in rooms with plenty of natural light. Pairing them with lighter elements maintains balance.

Warm Yellows and Oranges for a Cheerful Ambiance

Bright, warm colors bring energy and positivity to a space. Sunshine yellow is a lively shade that brightens kitchens and dining areas. Burnt orange adds warmth and works well as an accent. Golden mustard is a rich tone that pairs beautifully with neutral shades, and coral, a mix of pink and orange, creates a vibrant look. Warm shades are great for social spaces, encouraging interaction and liveliness.

How to Choose the Right Paint Finish

The type of paint finish you select affects how the color appears and how durable the surface is. Keep up to date with home design trends for 2025 and choose a trendy paint finish. Some options include:

Matte
Eggshell
Satin
Semi-Gloss
Glossy

A matte finish offers a soft, smooth look that hides imperfections well, making it ideal for living rooms and bedrooms. Eggshell has a slight sheen, making it easier to clean while still maintaining a subtle elegance. Satin provides a velvety finish that resists moisture and wear, making it a great option for high-traffic areas such as hallways and kids' rooms. Semi-gloss is durable and moisture-resistant, perfect for kitchens and bathrooms where easy cleaning is essential. A glossy finish provides the most shine, making it ideal for trims, doors, and furniture, creating a sleek and polished look. Choosing the right finish enhances both the appearance and functionality of your space, ensuring longevity and ease of maintenance.

Transform your home with the right colors

Choosing the right colors to refresh your new space makes a significant difference in how welcoming and stylish your home feels. Whether you prefer soft neutrals, calming blues, or bold statement shades, the right color choice creates the perfect environment. Refreshing your space with new paint is one of the easiest and most effective ways to enhance your home’s appeal and comfort.

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Home design trends for 2025, making your outdoor living area spectacular

Photos provided

BPT - Americans are spending more time in their outdoor spaces - and want to maximize those spaces. Studies show that nearly 90% of homeowners consider their outdoor areas to be important to their health and well-being. Design trends reflect that people are showing more interest in connecting with nature in their own backyard and enjoying the comforts of indoor living while gathering outdoors. This means creating environments that are comfortable, multifunctional and cost-effective.

The outdoor design experts at Belgard®, the trusted leader in hardscape solutions from pavers to retaining walls, share exclusive insights into 2025 outdoor design trends to help homeowners plan their dream outdoor spaces.

Privacy and spaces of solitude

As property footprints continue to shrink year over year, homeowners are looking for aesthetically pleasing ways to incorporate more privacy from neighbors or their surroundings. Decorative screen panels, pergolas, built-in planters and other structures can add elements of both beauty and functionality that provide a sense of solitude, even in urban environments.

Sound gardens and water features can further enhance a feeling of solitude by adding audible privacy from neighbors or street traffic. For example, even a simple fountain or water bowl can enhance the ambiance and help muffle sound.

Shifting back to classic style

While minimalism remains a popular trend, there's also been a shift back to a more classic style in indoor and outdoor home design. Mixed materials and warm colors such as beige and sepia are re-emerging, which lend themselves to a more traditional aesthetic.

With modular options from Belgard, a mix of different materials with multiple textures and sizes can create limitless possibilities while keeping with a classic design aesthetic. Because they're available in many styles, shapes, and sizes designed to work together, a variety of paver patterns can be combined seamlessly to achieve any desired overall look.

Convenience in design

As outdoor spaces are now a must-have for homeowners, they must be convenient to access and offer the same amenities as the home's indoor spaces. Homeowners are looking for their outdoor space to transition easily from the house to the built environment while offering the same modern conveniences of lighting, eating, Wi-Fi, quality furnishing and accessories.

Health and wellness

Using outdoor spaces to improve your well-being is a top focus for many people today. Americans are looking to be more balanced and in harmony with their environment, favoring the use of native plants and sustainable materials like permeable pavers, which promote better water drainage and reduce environmental impact.

Gardening is also a popular hobby that helps improve people's feeling of well-being, so enthusiasts can opt for raised garden beds or planters to pursue their growing goals in their outdoor spaces. For example, Belgard offers options to create built-in planters as part of your overall hardscape design with its Belgard Artforms modular outdoor panel system. You can use the panels, which are sized in modular shapes, to quickly and efficiently construct planters, seating, outdoor kitchens, fire features and more.

By designing outdoor environments that support their health and wellness, individuals can cultivate spaces that provide a retreat in their own backyard to improve their quality of life.

Value-added features

In every metro area, property sizes are smaller than ever. With this shift plus budget considerations, homeowners want to maximize small spaces through modular components that serve multiple purposes, like built-in seat walls, fire features, water features and planters that seamlessly blend into a living space - offering both functionality and visual appeal.

Homeowners can get creative with outdoor spaces with the right hardscape materials. For example, a small space can be transformed into a lush oasis by adding a vertical garden, or underutilized spaces like side or front yards can become cozy sitting areas. Even a small patio can serve as an al fresco dining space, and it doesn't take a lot to add an outdoor workstation with the right tools and tech. Patio pavers and wall units help define spaces, making them serve more than one purpose for any household.

These strategic investments not only increase the functionality and enjoyment of outdoor areas but also significantly boost curb appeal and the home's property value, making them a smart choice for homeowners looking to maximize their limited spaces.

To find inspiration for any outdoor space, visit Belgard.com.

How to avoid fraudsters when you are in financial distress

Photo: RDNE Stock/PEXELS

StatePoint - Although fraudsters will prey on anyone, many tactics specifically target those facing financial hardship in the wake of a natural disaster.

To help you avoid becoming a victim when you’re most vulnerable, Freddie Mac is providing these tips and insights:

Watch Out for Common Disaster-Related Scams

As the intensity of severe weather events increases, understanding common disaster-related scams can help you avoid them. These include:

High-Interest Loans for Repairs: In this scam, someone may offer to loan you money for home repairs, often at a high interest rate, while you wait for your insurance money. In return, they ask for a post-dated check, your auto title or your tax refund. Although this may provide short-term relief, it’s an example of predatory lending because the high interest rates could end up costing you more in the long term. Read any contract before signing it, and make sure you understand the total cost of the loan, including its terms and fees.

Repair Contractor Prepayment: In this scam, your home repair contractor may ask you to sign a “direction to pay form” that allows your insurance company to pay the contractor directly, even before the repair work is completed. This can leave you vulnerable to incomplete or poor quality work. To avoid this scam, read your contract carefully and do not authorize the full payment amount until you are satisfied with the final product.

Requests for Financial Information: In this scam, a person claiming to be a government employee or disaster relief professional may request financial information, saying they need it to help you recover from a crisis. Protect yourself by never giving anyone your personally identifiable information by phone, email, text or in person without confirming their identity. For example, ask for identification and independently call the entity the person claims to work for.

If You’re Struggling to Pay Your Mortgage, Beware of Fraudsters

If you’re struggling to pay your mortgage after a natural disaster or due to other circumstances and you are facing foreclosure, be on the lookout for two common types of fraud.

Foreclosure Rescue Fraud: In such a scheme, someone may falsely promise to be able to save your home from foreclosure. The fraudster will commonly:

Require you to sign the title to your home over to them.
Ask you to sign unfamiliar documents.
Ask you to share personal information.
Charge you rent to stay in your home.
Offer to pay your delinquent mortgage by purchasing your home.
Promise that you can repurchase your home when your financial situation improves.

Fraudsters orchestrating these schemes pose as professionals and promise to stop foreclosure, often at a high price. However, they don’t deliver on their promises. As a result, you could lose the title to your home and be at risk of foreclosure.

Loan Modification Scams: Loan modification scams may operate similarly to foreclosure rescue fraud. In these scams, fraudsters collect an upfront fee and promise to work with your loan servicer on your behalf. They claim that they can obtain a loan modification that reduces your payments.

If someone other than your loan servicer (the company listed on your mortgage statement) offers you mortgage assistance, don’t provide your information.

If you are struggling with your mortgage payment, contact your lender, a certified HUD housing counselor or a housing finance agency. These trustworthy resources can present you with real options to help avoid foreclosure.

Unfortunately, fraudsters have made it their business to prey on pain. With the right knowledge, you can help ensure that no one takes advantage of you when you’re down on your luck.

Money Matters |
Low down payment mortgages help first-time home buyers

(Brandpoint) - Traditionally, saving up for a 20% down payment has been the largest obstacle for aspiring homeowners and this challenge is even more acute when interest rates drive monthly mortgage payments higher. Despite higher rates cooling home sales last year, hundreds of thousands of first-time homebuyers leveraged private mortgage insurance (MI) to put as little as 3% down to access homeownership.

It would take the average homebuyer 27 years to save for the down payment and closing costs.

According to a report released by U.S. Mortgage Insurers (USMI), 64% of homebuyers who used private MI last year did so to purchase their first homes and to begin building equity, a 6% increase in first-time buyers' share of the market from 2020. Considering a 20% down payment on the national median home price of approximately $425,000 is $85,000, many aspiring homeowners without the resources to make large cash down payments understandably choose private MI. After all, putting 5% down on that same home requires saving only $21,000 in comparison. USMI reports that 35% of homebuyers using private MI in 2023 had annual incomes lower than $75,000.

"Private MI remains one of the most helpful tools available to first-time and low- to moderate-income buyers in the market. Private MI helps borrowers overcome the large down payment barrier to affordably and sustainably qualify for financing and start reaping the benefits of homeownership years earlier," said USMI Board Chairman and Enact President and CEO Rohit Gupta.

In 2023, private MI helped 800,000 buyers purchase homes using low down payment mortgages, and 39 million homebuyers have achieved this cornerstone of the American dream with private MI since it was first introduced. If a 20% down payment were required, it would take the average homebuyer 27 years to save for the down payment and closing costs, three times longer than the time it would take to save for the 5% down payment that is often used with private MI. Fortunately, you don't need a 20% down payment to become a homeowner.

USMI President Seth Appleton described the role that private MI plays for housing affordability and access as "opening the homebuying experience up to working families, including first-time buyers. People do not need to save for 20, 30 and even 40 years to meet the mythical - but not required - 20% down payment threshold to be able to afford their first house; instead, millions of homebuyers have achieved the American dream of homeownership and started building their wealth and equity by using private MI."

Another advantage for homebuyers, according to USMI, is that private MI is a temporary cost; monthly borrower-paid MI can cancel after the homeowner establishes sufficient equity either through regular payments or home price appreciation. When mortgage insurance is canceled, the borrower's monthly overall payment goes down.

There are many financing options for homebuyers to consider. Learn how you might be able to use private MI to start your homebuying process at lowdownpaymentfacts.com, a resource launched by USMI to offer homebuyers low down payment mortgage information and dispel the myth that a 20% down payment is required to become a homeowner.

A Guide to Organizing Your Storage Rental Unit

Photo: Michal Balog/Unsplash

SNS - Effective organization is key to maximizing the utility of a storage rental unit. Whether you're downsizing, moving, or simply seeking to declutter your living space, a well-organized storage unit can streamline access to your belongings while optimizing available space.

In this guide, we'll outline practical steps to help you efficiently organize your storage unit. From planning ahead and categorizing items to utilizing vertical space and prioritizing accessibility, these strategies will enable you to make the most of your storage space. By following these straightforward techniques and maintaining a systematic approach, we can ensure that you are organizing your storage rental unit in the most efficient way possible.

Choosing the Right Unit Size

Selecting the appropriate size for your storage unit is crucial to effectively storing your belongings. Begin by assessing the volume and dimensions of the items you plan to store. Consider not only their size but also their shape and how they can be stacked or arranged efficiently.

It's better to opt for a slightly larger unit than to risk cramming items into a space that's too small, which could lead to damage or difficulty accessing your belongings. Take into account any future storage needs you may have, such as seasonal items or furniture you plan to acquire.

You always might want to keep more items than you originally intended to store. By carefully evaluating your storage requirements and choosing a unit size that accommodates them comfortably, you can ensure that your belongings are stored safely and securely while maximizing the use of your storage space.

A woman writing down notes while packing her belongings

Organizing your storage rental unit requires categorizing, labeling, using shelves or containers efficiently, creating accessible aisles, prioritizing frequently used items at the front, and regularly decluttering.

Photo: Karolina Grabowska/PEXELS

Planning Ahead is Important for Organizing Your Storage

Rental Unit Efficiently

Before you start organizing your storage unit, take time to plan your approach carefully. Begin by creating an inventory of the items you intend to store. This will help you estimate the amount of space you'll need and determine the types of storage supplies required, such as boxes, bins, or shelving units.

Consider the frequency you'll need to access certain items and plan their placement accordingly. In addition, think about any specific storage requirements for fragile or sensitive items. Having a clear plan in place before you begin organizing will save you time and frustration later on. It allows you to approach the task systematically and ensures that your storage unit is organized in a way that best suits your needs.

In Illinois, where weather conditions vary greatly throughout the year, planning ahead is especially important when organizing your storage rental unit. Before storing items, consider the climate and weather patterns of the region. For example, if you're storing belongings during winter, be mindful of protecting sensitive items from cold temperatures and potential moisture.

Investing in climate-controlled storage units can help mitigate any weather-related risks and ensure the preservation of your belongings. Also, ensure you find quality cardboard boxes to protect your items. There are a lot of good manufacturers in Illinois that you can choose from. In addition, Illinois residents may need to plan for seasonal changes in storage needs, such as storing winter gear during the warmer months and vice versa.

Cleaning and Preparing the Unit

Before moving your belongings into the storage unit, it's essential to ensure the space is clean and properly prepared. Start by thoroughly sweeping and cleaning the unit to remove any dust, debris, or potential pests. Check for signs of pests or leaks and address them promptly to prevent damage to your stored items. Additionally, consider laying down pallets or plastic sheeting to protect your belongings from moisture and dirt.

Taking these preventive measures will help maintain the integrity of your belongings while they're in storage. It's also a good idea to inspect the unit periodically and promptly address any maintenance issues to ensure your stored items remain safe and secure. By cleaning and preparing the unit before storing your belongings, you can minimize the risk of damage and create a clean, organized space for your items.

As mentioned, the weather in Illinois can be a bit tricky when it comes to organizing your storage rental unit. Check for signs of pests, especially during warmer months when insects are more active, and take necessary precautions to prevent infestations. Given the potential for heavy rainfall and snow in Illinois, consider laying down plastic sheeting or using pallets to elevate your belongings and protect them from moisture. Additionally, inspect the unit for leaks or water damage, as heavy precipitation can risk stored items.

A woman cleaning a shelf.

Before storing items in your unit, thoroughly clean and dry them to prevent mold and mildew growth.

Photo: Cottonbro Studio/PEXELS

Securing Your Unit

Ensuring the security of your storage unit is paramount to safeguarding your belongings. Start by investing in a high-quality lock to secure the unit's door effectively. Consider using a heavy-duty padlock or a disc lock for added security. Additionally, inquire about the facility's security measures, such as surveillance cameras or on-site personnel.

Opt for a storage facility with enhanced security features to deter theft and unauthorized access. Consider purchasing insurance coverage for added protection when storing valuable items, such as electronics or heirlooms.

Regularly inspect the unit for any signs of tampering or damage to the lock, and report any concerns to the facility management immediately.

Beyond the initial steps of securing the door with a robust lock, there are additional measures you can take to bolster the security of your storage unit.

One effective strategy is to place your valuables within the unit in a way that ensures they are not immediately visible from the entrance. This can help deter potential thieves who may be scouting for easy targets. Furthermore, consider installing motion-sensor lights inside and outside the unit to illuminate any suspicious activity at night.

A silver security camera that monitors the area.

Install a high-quality lock and consider additional security measures such as tamper-evident seals or an alarm system to protect your storage unit.

Photo: PEXELS/Pixabay

Secure and Organized Storage

Organizing your storage rental unit is essential for ensuring the safety and accessibility of your belongings. By planning and choosing the right unit size, you can optimize space and minimize the risk of damage. Thoroughly cleaning and preparing the unit before storing items helps protect against pests and weather-related damage, especially in Illinois with varying climate conditions.

Additionally, prioritizing security measures such as high-quality locks and surveillance can deter theft and unauthorized access. Regular maintenance and vigilance are key to maintaining the integrity of your stored items over time. By implementing these strategies, you can create a secure and organized storage space that provides peace of mind and convenience whenever you need to access your belongings.