As we begin a new year — and a new decade — NeighborWorks America's network organizations are hard at work, doing what they do best. Some are exploring on new partnerships. Some are focusing on matching residents with new homes, with workforce training and with resources for staying sober or aging in place. Network leaders say they're finding inspiration in last year. And the lessons they've learned are serving as a roadmap for the year ahead.

No matter the time of year or the area of the country, when disasters strike, lives are transformed. Every disaster is uniquely painful to the people it displaces. Hurricanes don't have much in common with wildfires; earthquakes don't resemble floods. But all disasters, natural and manmade, destroy homes and livelihoods. Another commonality: cookie cutter, one-size-fits-all approaches don't work to cope with them.

Say "homeless" and most people easily conjure up urban images. In rural communities, homelessness is just as real, but often invisible. That's why 118 NeighborWorks network organizations use innovative approaches to address the challenges of helping their neighbors not only find homes, but stay in them. And because every community is different, every agency's approach is designed to be appropriate for the population it serves.

This year has been full of projects for NeighborWorks America's network organizations: new homes, refurbished buildings and community gatherings, just for starters. With each project, there are new things to learn and adjustments to make. NeighborWorks spoke with representatives from across the country to learn some of their takeaways from 2019. Today, we're sharing lessons from the Southern Region and the Midwest.

This year has been full of projects for NeighborWorks America's network organizations: new homes, refurbished buildings and community gatherings, just for starters. With each project, there are new things to learn and adjustments to make. NeighborWorks spoke with representatives from across the country to learn some of their takeaways from 2019. Today, we're sharing lessons from the Southern Region and the Midwest.

Payday and auto title loans offer a quick way to get money, but they come at a high cost. To make matters worse, they often must be repaid in a matter of weeks. Across the country, 12 million adults use payday loans annually, according to a study by Pew Charitable Trusts.