please donate

Curtis Home Catalog Services Readers Corner Research Kids Teens

5 Easy Ways to Save Money

November 18th, 2014


Unless you get hit with a polar vortex, you probably won’t notice a change of a few degrees. You should also lower your thermostat a few degrees before you leave the house and before you go to bed.



If you head into a grocery store with no real idea of what you’re looking for, you’ll end up with a cart full of novelty ice cream products and frozen pizzas. 



As someone who has struggled to stay fit, I realize that eating healthy and staying in shape is easier said than done. But for those who are in good shape, you can save a lot of on life insurance and individual health insurance plans. And as an added bonus, you’ll feel better and have more energy.

 



It may sound crazy, but we sometimes forget that coins carry value. If you have loose change in your wallet or purse, you’re more likely to spend it … or lose it in the depths of your car or couch cushions.

By putting your excess daily change into a jar, you’re preventing frivolous spending. And once you have a healthy stash, you can take your coins to the bank and deposit them. More !

 



Even though the author may have overestimated the savings from skipping a latte at Starbucks, don’t underestimate the ding it puts in your pocket in the long run. You don’t have to entirely ban drinking coffee, but skip it as often as possible unless you make it at .


Wants vs. Needs – What’s the Difference?

November 12th, 2014

imageDefining “needs” vs. “wants” is an essential money management skill that many people do not realize they already have.

And it’s the skill that can save you the most money!

A need is something you have to have, something you literally can’t do without – such as food, clothing and shelter.

A want is something you would like to have but it’s not necessary in order to survive such as double chocolate chip ice cream, designer clothes and a McMansion.

There is “of course” no definitive Wants vs. Needs chart as these things can be highly individual.

wants vs needs

For example, you may need a smart phone for your “day job” and you may need to have Internet at home because you have an online business which you work on when most of the Wi-Fi Hotspots where you live are closed.

Therefore in order to create your own true needs vs. wants chart, you need to be brutally honest with yourself.

For example, you might say to yourself: “Do I need this item to survive? To earn a living?”

If not, it should probably go on your “wants” list.

To help you create your list, here is a printable Needs vs. Wants worksheet from Smart About Money:
www.smartaboutmoney.org/Portals/0/Worksheets/WantsvsNeeds.pdf

Stop chasing what your mind wants and you’ll get what your soul needs.

Help with Unemployment, Jobs and Training

October 2nd, 2014

Help-with-Unemployment-Jobs-and-TrainingYou can use the resources at Curtis to get help with your job search and supporting yourself and your family if you’ve lost your job.

Find a Job

The Job Search Neighborhood is located on the second floor of the Curtis Library near the Reference Desk.

The "neighborhood" features:

  • Dedicated Jobs computers where you can search for a job and create a cover letter & resume
  • Job Related Print Resources (how to create a resume, how to prepare for a job interview, how to write a cover letter, how to change careers and more)
  • One-on-one help to establish e-mail accounts and introduce resume software (by appointment 725-5242 ext. 510).

Apply for Unemployment Benefits

You can file an unemployment claim through the State of Maine Department of Labor website.

This can be done on any of the Library's Public PCs.

Library staff members can provide some assistance with navigating and using the website.

Find Education and Training Opportunities

If you would like to learn additional skills and/or further your education to increase your chances of finding a job, there are many opportunities available for you to do so.

For example, you can sit down at any of the Public PCs and access the LearningExpress Library where you can:

– Build Your Math Skills
– Learn About a Career You Might Be Interested in Pursuing
– Prepare for an Occupation Exam
– Learn New Computer Skills
– And More!

Need Help?

As always, Curtis Librarians are standing by to assist!

Help Your Family Save Money

October 1st, 2014

You can help your family save money by remembering to do little things like turning off the lights and clipping coupons. Use the tips in the comics below to learn ways of helping your family save money every day.

NOTE: These comics are in the Portable Document Format (PDF).

You can click each image to open the How to Save Money comic in your browser. You can also right-mouse click each image and select “Save” from the pop-up menu to download the comic to your computer.

Younger Kids Teens

Source: usa.gov

10 Money Tips for Saving Money

September 22nd, 2014

piggy1. Create a budget and track where your money goes. Click here for Budget books at Curtis.

2. Don’t use a credit card unless you know you’ll have the money to pay the bill in full when it arrives.

3. Skip unhealthy snacks and save money while losing weight (If you could save $1.00 per day on snack food, that would be a saving of $30.00 by the end of one month and $360.00 at the end of one year!)

4. Your credit past is your credit future! Be aware that you can order a FREE credit report once yearly. To order, go to www.annualcreditreport.com.

5. Shop Responsibly!

Write a list before you go shopping, stick to it and use your food budget wisely (For the price of a large bag of chips and a box of cookies, you can buy a lot of apples, bananas, carrots, potatoes, peppers, and other healthier foods).

Save money by using coupons (Follow these guidelines for using coupons from choosemyplate.gov).

6. Spend your money on needs instead of wants.

A NEED is something you CANNOT do without (such as food and shelter).

A WANT is something you DO NOT HAVE to HAVE (such as a new iPhone).

7. Save your loose change – Putting aside fifty cents a day over the course of a year will allow you to save nearly 40% of a $500 emergency fund, according to AmericaSaves.org.

8. Drink water instead of Big Gulps

Soft drinks decrease your savings while increasing your waist line.

Two 20 oz. soft drinks at $1.10 each for 5 days = $572 a year.

9. Get rid of your car.

While minimizing car use can save cash, Andy Hough of Andy Hough, author of the TightFistedMiser.com blog suggests cutting out car use altogether.

Hough says public transportation, biking, and walking can work just as well.

10. Instead of paying for DVD rentals, music CDs, new books, computers, entertainment for your children and Internet at home — use the Curtis Library instead.

If saving money is wrong, I don’t want to be right!
—William Shatner