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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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              Published on November 20, 2018

              The Best Ways to Save Money Even Impulsive Spenders Can Get Behind

              The Best Ways to Save Money Even Impulsive Spenders Can Get Behind

              The truth is, there are many “money saving guides” online, but most don’t cover the root issue for not saving.

              Once I’d discovered a few key factors that allowed me to save 10k in one year, I realized why most articles couldn’t help me. The problem is that even with the right strategies you can still fail to save money. You need to have the right systems in place and the right mindset.

              In this guide, I’ll cover the best ways to save money — practical yet powerful steps you can take to start saving more. It won’t be easy but with hard work, I’m confident you’ll be able to save more money–even if you’re an impulsive spender.

              Why Your Past Prevents You from Saving Money

              Are you constantly thinking about your financial mistakes?

              If so, these thoughts are holding you back from saving.

              I get it, you wish you could go back in time to avoid your financial downfalls. But dwelling over your past will only rob you from your future. Instead, reflect on your mistakes and ask yourself what lessons you can learn from them.

              It wasn’t easy for me to accept that I had accumulated thousands of dollars in credit card debt. Once I did, I started heading in the right direction. Embrace your past failures and use them as an opportunity to set new financial goals.

              For example, after accepting that you’re thousands of dollars in debt create a plan to be debt free in a year or two. This way when you’ll be at peace even when you get negative thoughts about your finances. Now you can focus more time on saving and less on your past financial mistakes.

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              How to Effortlessly Track Your Spending

              Stop manually tracking your spending.

              Leverage powerful analytic tools such as Personal Capital and these money management apps to do the work for you. This tool has worked for me and has kept me motivated to why I’m saving in the first place. Once you login to your Personal Capital dashboard, you’re able to view your net worth.

              When I’d first signed up with Personal Capital, I had a negative net worth, but this motivated me to save more. With this tool, you can also view your spending patterns, expenses, and how much money you’re saving.

              Use your net worth as your north star to saving more. Whenever you experience financial setbacks, view how far you’ve come along. Saving money is only half the battle, being consistent is the other half.

              The Truth on Why You Keep Failing

              Saving money isn’t sexy. If it was, wouldn’t everyone be doing it?

              Some people are natural savers, but most are impulsive spenders. Instead of denying that you’re an impulsive spender, embrace it.

              Don’t try to save 60 to 70% of your income if this means you’ll live a miserable life. Saving money isn’t a race but a marathon. You’re saving for retirement and for large purchases.

              If you’re currently having a hard time saving, start spending more money on nice things. This may sound counterintuitive but hear me out. Wouldn’t it be better to save $200 each month for 12 months instead of $500 for 3 months?

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              Most people run into trouble because they create budgets that set them up for failure. This system won’t work for those who are frugal, but chances are they don’t need help saving. This system is for those who can’t save money and need to be rewarded for their hard work.

              Only because you’re buying nice things doesn’t mean that you’ll save less. Here are some rules you should have in place:

              1. Save more than 50% of your available money (after expenses)
              2. Only buy nice things after saving
              3. Automate your savings with automatic bank transfers

              These are the same rules that helped me save thousands each year while buying the latest iPhone. Focus only on items that are important to you. Remember, you can afford anything but not everything.

              How to Foolproof Yourself out of Debt

              Personal finance is a game. On one end, you’re earning money; and on the to other, you’re saving. But what ends up counting in the end isn’t how much you earn but how much you save. Research shows that about 60% of Americans spend more than they save.[1]

              So how can you separate yourself from the 60%?

              By not accumulating more debt. This way you’ll have more money to save and avoid having more financial obligations. A great way to stop accumulating debt is using cash to pay for all your transactions.

              This will be challenging, depending on how reliant you are with your credit card, but it’s worth the effort. Not only will you stop accruing debt, but you’ll also be more conscious with what you buy.

              For example, you’ll think twice about purchasing a new $200 headphone despite having the cash to buy them. According to a poll conducted by The CreditCards.com, 5 out of 6 Americans are impulsive spenders.[2]

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              Telling yourself that you’ll have the discipline to not buy things won’t cut it. This is equal to having junk food in your fridge while trying to eat healthy–it’s only a matter of time before you slip. By using cash to make your purchases, you’ll spend less and save more.

              A Proven Formula to Skyrocket Your Savings

              Having proven systems in place to help you save more is important, but they’re not the best way to save money.

              You can search for dozens of ways to save money, but there’ll always be a limit. Instead of spending the majority of your effort saving, look for ways to increase your income. The truth is that once you have the right systems in place, saving is easy.

              What’s challenging is earning more money. There are many routes you can take to achieve this. For example, you can work long and hard at your current job to earn a raise. But there’s one problem–you’re depending on someone else to give you a raise.

              Your company will have to have the budget, and you’ll have to know how to toot your own horn to get this raise. This isn’t to say that earning a raise is impossible, but things are better when you’re in control right? That’s why building a side-hustle is the best way to increase your income.

              Think of your side-hustle as a part-time job doing something you enjoy. You can sell items on eBay for a profit, or design websites for small businesses. Building a side-hustle will be on the hardest things you’ll do, be too stubborn to quit.

              During the early stages, you won’t be making money and that’s okay. Since you already have a source of income, you won’t be dependent on your side-hustle to pay for your expenses. Depending on how much time you invest in your side-hustle, it can one day replace your current income.

              Whatever route you take, focus more on earning and save as much as possible. You have more control than you give yourself credit for.

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              Transform Yourself into a Saving Money Machine

              Saving money isn’t complicated but it’s one of the hardest things you’ll do.

              By learning from your mistakes and rewarding yourself after saving you’ll save more. What would you do with an extra $200 or $500 each month? To some, this is life-changing money that can improve the quality of their lives.

              The truth is saving money is an art. Save too much and you’ll quit, but save too little and you’ll pay for the consequences in the future. Saving money takes effort and having the right systems in place.

              Imagine if you’d started saving an extra $100 this next month? Or, saved $20K in one year? Although it’s hard to imagine, this can be your reality if you follow the principles covered in this guide.

              Take a moment to brainstorm which goals you’d be able to reach if you had extra money each month. Use these goals as motivation to help you stay on track on your journey to saving more. If I was able to save thousands of dollars with little guidance, imagine what you’ll be able to do.

              What are you waiting for? Go and start saving money, the sky is your limit.

              Featured photo credit: rawpixel via unsplash.com

              Reference

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