Re: starting an emergency fund at our cohousing community in Tucson, AZ
From: Elizabeth Magill (
Date: Wed, 3 Feb 2021 09:40:48 -0800 (PST)
Ours is called the good neighbor fund. Also managed by 2 or 3 people and
confidential otherwise.
People are asked to donate voluntarily, my household gives $5 per month
which I think was the original request.

Ours is handled as part of our meals accounting which is separate from our
HOA account and handled by different people. Originally it was just used to
bring meals accounts that were in arrears up to date but now is used for
other funds payable to our community that a household might need. I believe
that the community would need to decide to allow it to be used for HOA dues
but so far that has not been a question.
(We have separate cohousing dues for items that are not required to keep
the physical community running. It can be used for that.)

When it started this was true, I'm not on the team, but I believe that they
sometimes need to go to a household and offer the funds--folk are not quick
to ask for help, even when their payments are behind.

Mosaic Commons Cohousing, Berlin MA

On Wed, Feb 3, 2021 at 9:51 AM Peter Orbeton <peter.orbeton [at]>

> Nubanusit Neighborhood & Farm (NN&F) created a 'Neighbors Fund' for this
> purpose. Several points before the specifics of the Neighbors Fund are:
>    - Contributions are voluntary, are not part of the annual budget
>    process, or a separate assessment.
>    - The reference to 'plenary' below refers to a monthly gathering of
>    community members as defined by the Membership Agreement, which includes
>    non-owners and tenants.
>    - Tenants do not make requests directly to the fund managers; rather, to
>    the owner from whom they rent the unit.
> Neighbors Fund
>    - Based on financial need due to unexpected circumstances, any owner may
>    use the Neighbors Fund as a source for help with monthly dues payments.
>    - Each year in September a solicitation will go to the whole community
>    asking for donations to the Neighbors Fund. Additional contributions
> will
>    be accepted at any time.
>    - Recognizing our dual interests in generosity and respect for
>    individual choice, we encourage all unit owners to make some
> contribution,
>    however large or small, to the Neighbors Fund annually in September in
>    recognition that we, or our neighbors, may need help with dues at some
>    point. The amount of the contribution will be at the discretion of the
> unit
>    owner and will be confidential, known only by the fund managers.
>    - Any owner with an unanticipated financial need is invited to make a
>    request to either of the fund managers. A single request can encompass
> one,
>    two or three months. The amount requested can be up to the total dues
>    amount for each month requested. Additional requests can be made after
> the
>    initial term. Any help given would be confidential, known only by the
> fund
>    managers.
>    - An application for funds will not be routinely questioned and will be
>    honored as long as there is money in the Neighbors Fund. Any decision
> made
>    by the fund managers is final.
>    - Checks will be written to the person requesting funds for the amount
>    approved by the fund managers.
>    - The fund will be kept separate from all other NN&F funds.
>    - Two fund managers will be chosen annually by the plenary.
>    - The fund can be dissolved only by the plenary. If it is dissolved,
>    remaining monies will be refunded to the donors proportionately as much
> as
>    practicalities allow.
> On Wed, Feb 3, 2021 at 7:52 AM Lidia Delpiccolo-Morris <
> gpldpmorris [at]> wrote:
> > We became aware that at least one of our members is having trouble paying
> > their COA dues and a group of us are starting an emergency fund and would
> > like advice from other communities that have something similar in place
> and
> > have more experience.  Any feedback would be appreciated.
> >
> > Lidia
> > _________________________________________________________________
> > Cohousing-L mailing list -- Unsubscribe, archives and other info at:
> >
> >
> >
> >
> >
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(The Rev. Dr.) Elizabeth Mae Magill
Pastor, Ashburnham Community Church
Minister to the Affiliates, Ecclesia Ministries

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