Money Smart programs
by Amanda Gilmore, BCPL community relations coordinator
Did you know there’s more than one type of smart? There’s “book smart,” of course, an area in which libraries can help a lot. There’s also “street smart,” an area where the library might not be the best expert.
But what about “money smart?” Do you know what that is, and that the library can go a long way toward helping you achieve a high level of “money smartness?”
First, we have books and electronic resources to help you make money, save money, invest money and just become better money managers, in general.
Now, Boyd County Public Library is offering some programs to help you get smarter with your money. And we’ve found the perfect time to do it: Money Smart Week 2013 (April 20-27).
Money Smart Week is a national observance that’s just a couple of years old. The American Library Association and the Federal Reserve Bank of Chicago held the first one in 2011, as a way to promote personal financial literacy.
BCPL is sponsoring two programs. The first, on Wednesday, April 24, at 6 p.m. at the Kyova Branch, is Couponing 101, starring our own Jamie Bayne. By day (and some evenings and weekends), Jamie is the library’s information services supervisor. But the rest of the time, she is a wife, mom and extreme couponer. Jamie will show you how to save tons of money by finding, collecting, sorting and using coupons. The program is free (of course!) and no registration is needed.
Our other Money Smart program is designed to keep you from becoming a victim of identity theft. It’s called Document Disposal Day, and it takes place on Saturday, April 27. Just visit any branch during regular hours that day (Catlettsburg is open 1 to 5 p.m.; Main is open 9 a.m. to 5 p.m.; and Kyova from 10 a.m. to 9 p.m.) and staff will shred and dispose of your documents. There is a limit of five bags per person.
Why shred? Because when you put a piece of paper in the trash, you never know what happens to it. It’s likely that your piece of paper passes through several stages on its way to a landfill or incinerator. And with every stage there is a risk that someone will find your personal information, and use it to steal from you or otherwise harm you. One way to safeguard against that is to shred it before it goes into the trash.
Personal documents that you might want to consider shredding when you no longer need them include: tax information and returns (older than 3 years); investment records and statements; bank statements and canceled checks; paycheck stubs, credit card statements and receipts; utility bills; insurance policies; deeds and mortgages; and ATM receipts. It is also recommended that electronic files with personal data be shredded.
When you come to Document Disposal Day, make sure you don’t bring any personal documents that you need to hold onto, such as: wills, powers of attorney, birth certificates, marriage licenses; divorce or child care orders; trust documents; and military records.
If you can’t attend any of our Money Smart programs, then make sure you check out all the resources on this site, and in our catalog. That way, you can get “book smart” and “money smart” at the same time!