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8 Ways Curtis Can Save You Money

September 9th, 2014

At a time when we are all feeling the pinch, it’s nice to know that you can go somewhere that offers you something for virtually nothing.

There’s evidence that when the economy is down, library use increases and there are plenty of reasons why people turn to Curtis for its invaluable services.

(Of course thousands of people come to Curtis even when the economy is up!)

Here are just some of the many ways that the Curtis Library can save all of us money and inspire and stimulate at the same time.

1. Borrowing instead of buying two books and two DVDs each month could save you more than $50.00.

2. Planning a holiday or a day trip? Rather than buy a map or travel guide, get one from the Curtis Library Travel Neighborhood.

3. Instead of a magazine subscription, visit the Curtis Library Magazine Reading Room (you can check out back issues).

4. Socializing isn’t always cheap, but joining a Curtis Book Group and/or the Crafters Meetup are cost-free ways of meeting people and broadening your mind.

5. You can learn a language for a fraction of the price you might pay otherwise if you borrow a selection of courses in audio format.

6. Why not take up a hobby that doesn’t cost you money? For instance you can research your family history at the Curtis Library with staff on hand to suggest useful resources.

7. There are plenty of free ways at Curtis to keep babies and toddlers amused and stimulated through activities such as singing songs and rhymes and storytelling.

8. You can pay for the internet at home or you can browse for free at Curtis library using either a public PC or the Wi-Fi.

Dave Ramsey Gives Lunchbox Financial Advice

August 30th, 2014

Playing the Lottery is not an investment. Dave Ramsey explains why…

- You have a better chance of dying driving one mile home from the market than buying a winning ticket
- Dave recommends putting the money you would spend on lottery tickets into real investments
- Average person who buys lottery tickets is below average income
- People who play are those who cannot afford to play

You must gain control over your money or the lack of it will forever control you.
— Dave Ramsey

Call For Action: How to Create an Emergency Fund in a Year

August 28th, 2014

- It’s not that hard to create an emergency fund
- Money experts we should all have 3 to 6 months expenses put away
- There are places we are spending money we don’t have to (it’s money we could put aside in our emergency fund)
- We can put together a $500 emergency fund in 6 months or less
- Look for places you are squandering money
- Save money by shaping around for prescription drugs (call each pharmacy in your area and ask “what do you charge for…”)
- Save money during lunch (eliminate one drive through a week, bring your lunch instead)
- Sell on eBay as opposed to garage sales (Examples: “clothes in her closet she’s never going to wear;” toys kids will not play with again)
- Go forth and save!

Option for Saving Money – Consider Using a Hipster PDA

August 15th, 2014

800px-Hipster_PDA

Hipster PDA

iPhones, iPads, MacBook Pros et al. are wonderful gadgets but they’re also uber-pricey and possibly even addictive.

If you feel the need to have the latest and greatest [ fill in the blank with your favorite technology toy ] — and are spending more time online than in the real world, consider embracing the luddite within and fighting gadget lust by going “technology free” (at least at home).

For example, instead of using a fancy-schmancy iOS task manager such as OmniFocus, consider using a “Hipster PDA” – which is nothing more than a set of index cards held together by a rubber band. For additional organization, you can use color coded index cards!

Instead of a calendar application, use a paper calendar.

Instead of watching a streaming movie on an Apple TV, go outside and perceive the full worth of a sunset.

Instead of reading an e-book on an iPad, read an actual factual book (Curtis has 124,261 of them).

If these sound like they could be viable options for you, you can go through each of the home computer and smart phone applications that you use and seek out "real world" alternatives for them.

Then you can sell your gadgets on eBay (or somewhere else) and bank the proceeds.

Luddite
a person opposed to increased industrialization or new technology

Discover Your Barista Within…

August 6th, 2014

Cutting back on small, frequent expenses like buying coffee instead of brewing it at home can be a painless way to save money.

Even if you don’t frequent Starbucks and instead spend $1.29 each work day at a convenience store — that still amounts to $323.79 per year.

(Plus the incidentals you might be tempted to buy while you’re there such as donuts, candy bars, bags of potato chips, lottery tickets, etc.)

Instead, buy an inexpensive coffee maker (or learn to love instant) and discover your barista within.

Figure out how much money you had been spending in coffee shops (or wherever you had buying it each month) and then put that money into your savings account (or drop that amount into a jar each day and deposit it at the end of the month).

Coffee is a way of stealing time that should by rights belong to your older self.
― Terry Pratchett, Thud!