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Learn To Be Money Smart

Is your financial ship at risk? Dare to set sail again - don't hang on to a sinking ship.

On June 22, 2014 two financial professionals from the Palmetto Citizens Federal Credit Union presented a program here at Richland Library on "Budgeting and Saving to Achieve." Many suggestions for becoming money smart were shared.

Topics included:

  • Developing a savings and spending plan
  • Setting financial goals
  • Reducing expenses
  • Surviving a job loss
  • Saving on groceries and utilities
  • Attendees found the information helpful in their efforts to right their financial ships. Check out many of the Richland Library resources that can help you if you are striving to become more money smart.

    Check below for a printable booklist of money-smart resources.


    Amazon Says: Jean Chatzky, the popular Today Show financial editor and Oprah contributor, shows readers how to navigate the critical challenges and universal conundrums of personal finan more...
    Amazon Says: Jean Chatzky, the popular Today Show financial editor and Oprah contributor, shows readers how to navigate the critical challenges and universal conundrums of personal finance in Money 911. A lifesaver in difficult economic times, Money 911 answers the tough financial questions about how to manage your money in  the face of life-altering events. Like popular personal finance guru Suze Orman, Chatzky offers clear, optimistic, timely, and intelligent advice for any recession victim who might be suffering the slings and arrows of unanticipated economic misfortune. less...
    Amazon

    Amazon Says: Dave Ramsey's Complete Guide to Money covers the A to Z of Dave's money teaching, including how to budget, save, dump debt and invest. If you're looking for practical informat more...
    Amazon Says: Dave Ramsey's Complete Guide to Money covers the A to Z of Dave's money teaching, including how to budget, save, dump debt and invest. If you're looking for practical information to answer all your How? What? and Why? questions about money, this is the book for you. You'll also learn all about insurance, mortgage options, marketing, bargain hunting and the most important element of all giving. Now let's be honest: This is the handbook of Financial Peace University. If you've been through Dave's 13-week class, you won't find much new information in this book. less...
    Amazon

    Amazon Says: From bestselling author and television superstar Kevin O’Leary comes a new financial guide that takes you through money mistakes at every stage of life and teaches you h more...
    Amazon Says: From bestselling author and television superstar Kevin O’Leary comes a new financial guide that takes you through money mistakes at every stage of life and teaches you how to avoid them. DON’T SPEND TOO MUCH. MOSTLY SAVE. ALWAYS INVEST. This is simple advice, but it’s often the simple advice that’s easy to swallow and hard to follow. Kevin O’Leary understands that getting a handle on your personal finances can be challenging at any age. Whether you’re a parent struggling to explain savings to your children, a student contemplating a big loan to pay for school, a newly engaged couple considering joint bank accounts, or a baby boomer entering retirement, Kevin offers solid, practical advice to help you make and keep more money. As a lead shark on ABC’s Shark Tank, Kevin’s success with money management and in busi­ness is legendary. But he’s made mistakes along the way, too, and he’s written this book so others can benefit from his experiences and learn how to avoid debt, how to save money, and how to invest for a brighter future. Each chapter is geared to a specific age or stage in life and looks closely at your relationship with money and how simple changes in thinking and decision-making can result in more cold hard cash in your wallet or bank account. You’ll find real-life examples of common money mistakes and strategies for avoiding them, “Cold Hard Truth” quizzes and charts aimed at boosting your financial wisdom, and tips and tricks for making more money and growing it faster to achieve financial freedom. less...
    Amazon

    Amazon Says: Do More, Spend Less is the new road map to winning as a consumer. It's a game plan to get off the default path, turn the tables on the banks, airlines, hotels, cell phone co more...
    Amazon Says: Do More, Spend Less is the new road map to winning as a consumer. It's a game plan to get off the default path, turn the tables on the banks, airlines, hotels, cell phone companies and retailers and emerge victorious in the great game being played for your hard earned cash. Written by Brad Wilson, founder of BradsDeals.com, the largest editorial-driven deal website, the book provides tips, strategy and real-life examples of things he has personally done over the past 10 years as a professional bargain hunter. Learn how he: Earned 5m frequent flyer miles, all on the ground Stayed two weeks in one of the nicest hotels in Europe for freeMoved his credit score from 400 to almost 800Found discounts on new cars of up to 25% offThe entire basis for thinking about how best to shop, spend, travel, bank--essentially all aspects of being a consumer--has fundamentally changed. The power is now in your hands, and Do More, Spend Less shows you how to win as a consumer. less...
    Amazon

    Amazon Says: SHOP SMART. SAVE BIG. EAT GREAT! Do you want to score the hottest bargains and best deals? It’s easier than you think! In this helpful pocket guide, Sara Lundberg, more...
    Amazon Says: SHOP SMART. SAVE BIG. EAT GREAT! Do you want to score the hottest bargains and best deals? It’s easier than you think! In this helpful pocket guide, Sara Lundberg, author of the super-saver website BudgetSavvyDiva.com, reveals her cleverest, most effective and down-right sneakiest strategies for saving money while filling the cart with all your favorite foods. Thanks to the advice in this book, you’ll quickly be navigating the grocery aisles like a pro: •Tips for maximizing coupons •Tricks for finding hidden bargains •Delicious recipes that stretch every dollar •Techniques for smart, stress-free shopping less...
    Amazon

    Amazon Says: Investing information  is everywhere; there are blogs, newspapers, magazines, and cable TV shows all dedicated to helping individuals invest in smarter and more successful wa more...
    Amazon Says: Investing information  is everywhere; there are blogs, newspapers, magazines, and cable TV shows all dedicated to helping individuals invest in smarter and more successful ways. Yet despite all the efforts to educate the public on investing, most people still feel uncomfortable  with how they should actually invest their money. Recent predictions about slowing economic growth, historically low interest rates, and volatile markets have investors scratching their heads about what to do with their money. And more than ever, people are scared about whether they can grow their money enough to last through their lifetime.Expert investor Timothy McCarthy  has spent the last 30 years in the US and overseas providing investment solutions to individuals and their advisors. He believes that  understanding  how to create  a  truly globally  diverse portfolio while applying the magic of time will help all investors navigate risky markets. McCarthy  also explores the fundamentals of picking and evaluating financial advisors for those who want to understand the principles of investing but not actually do the work themselves. McCarthy  helps guide the reader along a straightforward  path to investment  success by telling engaging and actual stories to illustrate each of his seven lessons of successful investing. The Safe Investor will help even those readers with little interest or aptitude for finance to be comfortable in knowing what to do to manage their life investment plan and how to manage their own advisors. less...
    Amazon

    Amazon Says: Here at last are the hard-to-find answers to the dizzying array of financial questions plaguing those who are age fifty and older. The financial world is more complex more...
    Amazon Says: Here at last are the hard-to-find answers to the dizzying array of financial questions plaguing those who are age fifty and older. The financial world is more complex than ever, and people are struggling to make sense of it all. If you’re like most people moving into the phase of life where protecting—as well as growing-- assets is paramount, you’re faced with a number of financial puzzles.  Maybe you’re struggling to get your kids through college without drawing down your life’s savings. Perhaps you sense your nest egg is at risk and want to move into safer investments. Maybe you’re contemplating downsizing to a smaller home, but aren’t sure of the financial implications. Possibly, medical expenses have become a bigger drain than you expected and you need help assessing options.  Perhaps you’ll shortly be eligible for social security but want to optimize when and how to take it. Whatever your specific financial issue, one thing is certain—your range of choices is vast. As the financial world becomes increasingly complex, what you need is deeply researched advice from professionals whose credentials are impeccable and who prize clarity and straightforwardness over financial mumbo-jumbo. Carrie Schwab-Pomerantz and the Schwab team have been helping clients tackle their toughest money issues for decades.  Through Carrie’s popular “Ask Carrie” columns, her leadership of the Charles Schwab Foundation, and her work across party lines through two White House administrations and with the President’s Advisory Council on Financial Capability, she has become one of America’s most trusted sources for financial advice.   Here, Carrie will not only answer all the questions that keep you up at night, she’ll provide answers to many questions you haven’t considered but should.   less...
    Amazon

    Amazon Says: Get control of your finances - and your future!Do you feel like you'll never pay off your student loans? Worried about your mounting credit card debt? Wondering when you'll ev more...
    Amazon Says: Get control of your finances - and your future!Do you feel like you'll never pay off your student loans? Worried about your mounting credit card debt? Wondering when you'll ever make enough money to stop living paycheck to paycheck? You're not alone - millions of young Americans are finding it hard to save for the future and still pay today's bills on time.But with The Everything Personal Finance in Your 20s and 30s Book, 3rd Edition, you'll learn how to be financially independent by:Creating a workable budgetMinimizing credit card and student loan debtInvesting money wiselyBuilding an emergency fund You'll also learn how the Consumer Financial Protection Bureau can help you navigate the often-confusing world of financial service products. With this easy-to-use guide, you'll learn how to manage, save, and invest wisely - starting today! less...
    Amazon

    Amazon Says: Every day, more than 10,000 people turn forty in the United States, moving toward retirement without traditional pension plans backing them up. Lacking the safety net that pro more...
    Amazon Says: Every day, more than 10,000 people turn forty in the United States, moving toward retirement without traditional pension plans backing them up. Lacking the safety net that protected their parents and grandparents, they're forced to take the initiative for their own financial security. They need a source of information that doesn't scare them away with insider jargon and intimidating complications. This book will help those who have felt uninformed, intimidated, or excluded from the process, and will simplify difficult topics like budgeting, investing, paying for college while saving for retirement, and helping kids with debt. People will find the essential tools and resources they need to set a course toward retirement and security at this critical stage in life. Jennifer Lane, CFP (Boston, MA), is the founder and principal of Compass Planning Associates in Boston. She specializes in pragmatic solutions to the challenges of mid and laterlife financial planning, including clients who are in their 40s and 50s and approaching financial planning for the first time. She is the featured weekly personal finance expert on New England Cable News' BusinessDay. Bill Lane (Boston, MA) is an author, editor, and financial journalist. He has covered the economy as a finance reporter in Phoenix and Boston, and he worked as managing editor of the Boston Business Journal. less...
    Amazon
    • Dave Ramsey
      This is a comprehensive site featuring access to free classes, online budget and credit report tools, tips for getting out of debt, readings on life and money and more.
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