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12 Awesome Things at the Library I Wish I Knew About Earlier

12 Awesome Things at the Library I Wish I Knew About Earlier

If you’re like me it’s probably been a long time since you’ve been in a library. That’s fine. Most of us have an antiquated view of what libraries do and are for. As it turns out, libraries can actually be pretty awesome and can save you money. Here are some ways you can save money from the library.

1. You can stream stuff for free

Many of us have Netflix accounts but there are other ways to stream. Using your library card, you can check out a service called Hoopla. Using Hoopla, you can stream movies and TV shows without spending a dime. It’s not as stable as Netflix or Hulu but if you can stand the bugs you can watch some pretty good stuff for free. There are also Android and iOS apps available!

2. You can get free audio books

save money from library

    Libraries have a lot of books but they also have a lot of ebooks. They may handle it differently depending on your library but the premise is pretty much the same. You get a download link, download the file, listen to it, and then in a couple of weeks the file will self destruct. Listening to ebooks is relaxing and provides great background noise when you’re doing other stuff like cleaning the house, cooking, or driving.

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    3. Borrow the latest movies on DVD or BluRay

    Everyone knows that libraries have movies right along with books that you can borrow for free. However, did you know that most public libraries will get the latest titles in the day they come out? Unfortunately, savvy library users will reserve their copy to rent weeks (sometimes months) in advance. You can always wait in line with the reservation holders if you prefer or you can check in with your library and find out how to hold your own copy so you can get in before everyone else. They also have countless older movies which can still make for a fun, quiet evening at home that doesn’t cost you a penny.

    4. Get free trips to the museum

    save money from library

      Many public libraries are becoming part of the Museum Pass Program which means they have free museum passes to give out every month. Not every library does this and the ones that do participate do not have a lot of passes. That means they’re first come, first serve. If you want to try this out all you need to do is inquire with your library and then get a pass!

      5. Access family tree archives for free

      There are a lot of genealogy websites out there and they can cost a pretty penny to join. Some libraries are already members of these websites and will let you browse on their dime for free. A lot of people don’t need a service like this except for school projects but a penny saved is a penny earned, is it not? Plus it can be fun to see where your family came from and what they used to do.

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      6. Read magazines for free

      save money from library

        We know a lot of people don’t really subscribe to magazines anymore but those that do pay for magazines don’t really need to. Libraries keep a stock of the latest magazines from the biggest publications on hand and you can go in and check them out anytime you want. Most magazine subscriptions are negligible but buying individual issues can cost upwards of $10 and even some subscriptions are pretty expensive.

        7. Free conference rooms

        Most libraries have conference rooms that you can book for an hour or two totally free of charge. They come with large tables and chairs and you can sometimes borrow things like projectors for presentations. You can use this for practically anything such as book clubs, Dungeons and Dragons campaigns (I’ve personally done this), work related stuff, or practically anything else. They’re there for your use.

        8. Yes, sometimes even tools!

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        save money from library

          This is something that is apparently catching on although I haven’t personally seen it in my area yet. Apparently more and more libraries have a section of power tools that members can borrow for a week or two. This is amazing if you don’t own a lot of tools and want to do some DIY home improvements or even something as simple as hanging a shelf. This isn’t everywhere though so call and check first!

          9. Music instruments

          A lot of libraries have a selection of musical instruments in stock for those who may want to learn. This is actually something they do for school students who can’t afford their own instruments and may have to borrow them. If you’re interested in learning an instrument or want to practice one you’ve been using, the library lets you do it for free. Musical instruments are insanely expensive so this is the only way some people get to hone their skills.

          10. They have computer labs with free internet

          save money from library

            Not everyone needs internet 24/7 and there are plenty of people who don’t have internet at all. If you need to hop online to check your email, apply for jobs, or check out social media then you’re in luck! Public libraries generally have computer labs with internet access that you can use for free. At my local library, they have a 30-60 minute time frame so if it’s a busy day you may not get all the time you need. On less busy days you can sit there almost all day if you have to. They’ll also let you print off things for a small fee. If you don’t print off enough to warrant buying a printer then this can also save you money.

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            11. It’s a free place to go to be alone

            The popular and hip thing to do is to go hang out in coffee shops. The only problem is that you generally have to buy something to stick around in a coffee shop. In a library you can walk in, buy nothing, and hang out in there all day if you need to. It’s pretty quiet, you can listen to your own music, and in some public libraries the couches and chairs are very comfortable. People looking for a quiet, chill place to work on things can find few better options than the library. Your “coolness” may take a hit, but coolness is overrated anyway.

            12. You can rent free books

            save money from library

              Lest we forget why the library is there in the first place. For books! Books are still pretty expensive these days and reading is still a thing that people do (and should do more of). As always, you can get a heaping pile of books from the library and keep them for a while. Books can usually be checked out longer than other items unless there’s a waiting list.

              Libraries are pretty awesome. Most public libraries have worked really hard to remain current when it comes to the needs of people. 20 years ago all they needed to have were books and they could have fallen into obscurity but they didn’t. If you haven’t done so in a while, just go visit your library to see what kind of stuff they can do now!

              Featured photo credit: FanPop via images.fanpop.com

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              Joseph Hindy

              A writer, editor, and YouTuber who likes to share about technology and lifestyle tips.

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              Published on January 8, 2021

              How To Pay Off Credit Card Debt Fast: 7 Powerful Tips

              How To Pay Off Credit Card Debt Fast: 7 Powerful Tips

              Ever wondered whether your credit card debt is the reason you’re in a bad financial situation? You can’t enjoy any fun activities because a good chunk of your money goes toward debt payment. Heck, you’re even behind on some of your monthly bills.

              The effects of clumsy debt management are too many to list here. This guide is going to help you discover how to pay off credit card debt fast and start chasing your financial goals.

              Debt problems are the last thing anyone wants to encounter. But things can get out of hand when all the “little debts” you take accumulate in interests.

              What if you knew some simple and proven ways to be debt-free quickly? Implementing them would mean better financial health for you. It becomes possible to free up cash for your “wants.” These include taking a trip or buying something you’ve always desired. All that while paying your bills on time!

              Let’s not wait any longer. Here are 7 powerful tips for paying off credit card debt fast:

              1. Pay More Than the Minimum Credit Card Payments

              Many people only pay the monthly minimum on their credit cards. Truly, that’s the right amount for staying on good terms with your credit card company. But you need a different approach if you’re looking to achieve financial independence within a short time.[1]

              Most of your payments go toward interest costs when you only pay the minimum amount. A substantial sum of your balance remains standing. As a result, it becomes more expensive to eliminate your debts.

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              You don’t want to wait more than 10 years to get rid of debt while it’s possible to do it sooner. All you have to do is double that $100 minimum payment to $200 or go higher.

              The good thing is that minimum credit card payments are affordable in most cases. By paying a higher amount, you reduce your interest costs, lessen your borrowing period, and boost your credit score.

              2. Start With High-Interest Credit Card Debt

              If you have more than one credit card debt, prioritize putting the extra money toward the ones with the highest interests. This debt pay-off strategy, known as the debt avalanche method, is essential for being debt-free quickly.[2]

              First, you need to list down all the credit card debts you have in the order of their interest rates. Next, you choose the one with the highest interest and pay a significant amount toward it each month. It can be an amount twice or even thrice larger than the minimum payment.

              At the same time, you make monthly minimum payments on the other debts. Their interest charges won’t be as costly as that of the first debt on your list. You only move on to the next high-interest debt after the first one is gone. Remember that your focus is on the interest rates and not the balances.

              3. Revisit Your Budget

              Budgeting is useful for tracking your financial moves. Once you create a budget, some tweaks along the way can make it work for you better. One situation that requires you to revisit your budget is when you’re struggling with debts. It might hurt a bit to slash some expenses. But you also don’t want to miss out on achieving financial freedom in the long run.

              You can reduce some variable expenses to free up more cash for credit card debt payments. They’re the ones that change from time to time. Some examples are groceries, fuel, and clothing.

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              Other opportunities for cutting down your spending lie in non-essential expenses. Instead of dining out all the time, you can cook at home more to save money. You can also share some subscriptions with friends and pay a fraction of the cost.

              If you’re determined enough, you can eliminate all your unnecessary expenses and focus on paying off your credit card debt first.

              4. Avoid Using Your Credit Cards

              Do you want to know how to pay off credit card debt with a low income? One simple way is to stop using them. Having your credit cards everywhere you go means that you’ll be more tempted to buy unnecessary stuff. In this case, you spend money that you don’t really own and get deeper into debt.

              The quickest fix to stop the debt build-up is spending with cash. You’ll be more aware of everything you can afford at any particular time. If you decide to keep one or two cards to ease the transition, always make wise choices. For instance, only use them when experiencing financial difficulties.

              It’s best to categorize your fun activities under “discretionary spending” in your budget. This way, you won’t need more debt to kill your boredom. By halting your credit debt from accumulating, it’s easy to pay down what you already owe and be happy with the progress.

              5. Start a Side Hustle to Boost Your Income

              You’re probably turning away a lot of money by not monetizing your skills. Everyone has something that they’re good at doing. And you can use that to generate extra income for attacking your credit card debt.

              If you look around your neighborhood, you can find several side hustle opportunities. It can be pet sitting, tutoring, or lawn mowing. You can start an online business by offering services such as digital marketing, content creation, and web development. Such skills go in high demand on freelance sites and job boards.

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              Finding clients on social media is also a good strategy to utilize your skills and make more money. Facebook groups, Quora Spaces, and subreddits are some places to look for side jobs. You only have to join a niche-specific platform, share your services, and respond to any opportunities.

              It’s possible to learn a skill, practice it, and earn from it. Use the free resources online or purchase some e-courses to get started.

              6. Sell Your Used Items for Extra Cash

              Starting a side hustle isn’t the only way to generate extra money. You can turn unwanted items into cash for paying off credit card debt. Whether it’s an old TV, book, or furniture, there is always someone itching to buy your used stuff.

              A garage sale, as much as it’s old-fashioned, is perfect for getting your neighbors and passers-by to buy from you. You keep all the money because there are no business permits or taxes involved. While you may not make much cash, it’s better than leaving your stuff to go defunct in your storage.

              Other than that, you can sell your used stuff on online marketplaces. Facebook groups are great places to start if you want quick approvals and hence sales. You only have to ensure that your listing follows Facebook’s commerce policies.

              When selling any pre-owned items online, ensure they’re in good shape to avoid problems with your buyers.

              7. Know When to Seek Help With Your Debt

              Asking for help with your credit card debt can be challenging to do. But letting it drown you is a road you don’t want to take. While you may feel embarrassed at first, it’s the best way to get back on track when you run out of options.

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              There are tons of non-profit credit counseling organizations that can offer you free guidance on how to escape the debt trap. An example is The National Foundation for Credit Counseling. They simply review your finances and help you determine the source of your financial problems. After that, they match you with an actionable debt management solution.[3]

              In extreme cases, the debt solution can be:

              • Debt relief – where your debt is partially or wholly forgiven
              • Debt consolidation – taking out one loan to repay others
              • Debt settlement – the creditor forgives a significant portion of your debt
              • Bankruptcy – legal process for seeking relief from some or all your debts

              It’s necessary to carefully weigh your options before deciding on the way to go. Find out how it might affect your credit score and any other risks.

              Wrapping It Up

              Debt is a major setback when you’re trying to prosper in life. Paying off credit card debt is essential if you want to reach your financial goals. That means having more free income, a good credit card score, and even a chance to retire early. You become more productive each day because of the peace in your mind.

              So, you now have some tips on how to pay off credit fast. Go ahead and get rid of that good life progress killer!

              More Tips on How to Pay Off Debt

              Featured photo credit: rupixen.com via unsplash.com

              Reference

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