Money Smart

Be Money Smart!

What to Know and Do

These handy guides from the Federal Trade Commission give useful information about credit, loans, debt, identity theft, avoiding scams, as well as budgeting, opening a bank account, shopping for prepaid cards, and managing money in general. Accessible in English and Spanish.
Managing your Money; Credit, Loans and Debt; and Scams and Identity Theft
Manejar su dinero; Crédito, préstamos y deudas; estafas y el robo de identidad

What is your library use worth to you? Have you ever wondered how much you would pay out-of-pocket for your library services? Use our Library Use & Value Calculator to determine how much the library is saving you on a monthly basis. It also calculates a “return on investment” that is based on the per capita library expenditures in your community.

Five Ways the Library Can $ave You Money

1. Books in all Formats
Whether you’re looking for an eBook, and audio book or actual physical copy, the library carries them all!
2. Music
Check out music CDs!
3. Movies
The library offers a large selection of DVDs including popular movies, classics and TV series….just add popcorn!
4. Research
Have a question? Find the answer at the library using our many resources or our expert reference staff.
5. Programs and Events
Storytimes, crafts, costume characters, speakers, presentations, concerts, book clubs, and knitting groups are just some of the free entertainment and activities offered at the library. There is something for everyone!

The Savings Add Up When You Use the Library!

This snapshot shows how quickly the savings add up:

eBook Download vs. Library
Average price of an eBook: $9.99
Average number of eBooks read by eReader owners per month: 2.6
Savings per year by using library eBooks $312

Music: Song purchase & Download vs. Library
Average cost of digital song: $1.29
Average number of songs library cardholders can download for FREE each week: 5
Savings per year by using the library’s downloadable music library: $335

Movies: Streaming Service vs. Library
Cost of a monthly subscription: $7.99
Average number of DVDs rented at a time at this price: 1
Savings per year by using the library’s DVD collection: $95.88

Cost of a library card: $0
Total yearly savings using all these library resources: $608.88