Community Interest

Money Rules

By Tiffani Stewart, Paraprofessional, Boone’s Trail Branch
St. Charles City-County Library District

The holidays are a fond memory.  The turkey has been eaten (and eaten and eaten), the gifts are unwrapped, and the Christmas tree is dropping needles on the carpet.  It’s time to think about the new year, and about the credit card statement that is in the mail.

If you overindulged this Christmas, some of the tools at your St. Charles City-County Library District can help you get back on track financially.  We have many books about budgeting, saving, and preparing for retirement.  You can use the library’s electronic app, Flipster, to read Money, Fortune, or Entrepreneur magazines (or check out the magazines at your local branch).  Or use available e-resources like Financial Ratings Series Online or Morningstar Investment Research Center to help you choose investments.

Just getting started with a budget?  In her book, 7 Money Rules for Life (2012), available at the library, author and personal financial expert, Mary Hunt, has developed a set of money ideas that anyone can use.  Some are easier said than done, like #1, Spend Less Than You Earn.  She says that if you’re not able to save any of the money that comes in to your household, it is important to trim your costs or increase your earning.  Time for a new job?  Or just time to cut cable?  #2, Save.  Hunt suggests saving 10% of all income.  #3, Give.  Seems like it’s against the grain of your new commitment to save, but giving money to a charitable cause “quiets fear and greed”.  You may not have it all, but you probably have enough…and enough to share a little.  Plus it feels good.  #4 is Anticipate Irregular Expenses.  When you save each month, you will have a cushion for when the car breaks down or the airline ticket price drops and you really want to go!  #5, Budget.  Figure out where your money is going and where you need it to go.  Make a plan.  #6, Manage Your Credit.  Pay your bills on-time, check your credit report regularly, and keep the amount you borrow to less than 30% of your credit limits.  (So if your credit card’s limit is $3,000, keep spending to less than $900 for optimal credit scores.)  And finally, #7, Borrow Only What You Know You Can Repay.

If you’re nodding and agreeing, your 2018 financial picture may be a pretty one.  If you’re scratching your head in confusion, come to the library!  Find a resource that can help—ask a friendly staff member if you don’t know where to start.  While you’re there, working on a brighter financial future, take a look at some of the programs being offered at the Boone’s Trail and Augusta Branch Libraries.  Remember, they won’t cost you a penny.

ADULTS:
•    Mah Jongg* (Boone’s Trail) Thurs., Jan. 4th and Thurs., Jan. 18th, 1:00-3:00 p.m. Keep your brain sharp and your social circle large!  Join us to learn and play Mah Jongg every other Thursday. 
•    Fiction Fans Book Discussion Group* (Boone’s Trail), Mon, Jan. 8th at 6:00 p.m. Read Women in the Castle by Jessica Shattuck, then join us for great discussion.
•    I Love Quilts (Augusta), Tues., Jan. 9th, 2:00 p.m. Make your quilt extra-special with hand quilting.  Come for a hot drink and a fun demonstration.
•    Hand and Foot Canasta* (Boone’s Trail) Thurs., Jan. 11th and Thurs., Jan. 25th, 1:00-3:00 p.m. Join us to learn and play Hand and Foot Canasta, a rummy game that allows players to use two hands of cards--a hand and a foot.
•    Book Discussion (Augusta), Mon., Jan. 15th, 2:00 p.m. We’ll discuss Rejected Writer’s Book Club by Suzanne Kelman.  Pick up your copy at the library.
•    Beautiful Block of the Month* (Boone’s Trail), Tues., Jan. 16th at 2:00 p.m. Come to the library to pick up the materials and pattern for this month’s “beautiful block” quilting project.
•    New Melle Nonfiction Book Discussion Group* (Boone’s Trail), Thurs., Jan. 18th, 10:00 a.m.  Please note our new meeting time in 2018:  the 3rd Thursday morning of the month at 10:00 a.m.  This month’s selection is The Girls of Atomic City by Denise Kiernan.  Join us!
•    Movie Talk:  Sense and Sensibility* (Boone’s Trail) Mon, Jan. 22nd, 6:00 p.m. If you love movies, join us for Movie Talk!  Watch any version of Jane Austen’s Sense and Sensibility on your own, then join us for a great discussion and a tasty treat.  British accent optional.
•    Very Special Valentine Card Workshop* (Boone’s Trail), Tues., Jan. 23rd, 4:00 p.m. Get something special ready for your someone special.  We’ll make several Valentine cards using a variety of materials.
•    Knit-a-Long (Augusta), Thursdays at 2:00 p.m.  Whether you knit, crochet, cross stitch, or just love to chat, join the Augusta Knitting Club every week to work on your project and socialize.
•    Coffee at the Library (Augusta), Thursdays at 9:00 a.m. Come in for a fresh cup of hot goodness while you browse the library’s latest materials.

CHILDREN:
•    Dragons Story Time (Boone’s Trail), Tues., Jan. 2nd, 6:00 p.m. Come for a fire-breathing, claws-and-scales kind of story time fun.   
•    Pete the Cat Make and Take (Augusta), Mon., Jan. 8th, Tues., Jan. 9th, or Thurs., Jan. 11th at 1:00 p.m. Come make a groovy Pete the Cat craft.
•    Pirates Story Time (Boone’s Trail), Thurs, Jan. 11th, 10:30 a.m. or Tues., Jan. 16th at 6:00 p.m. Aaarrrgh!  Come for story time and we won’t make you walk the plank!
•    LEGO Builders (Augusta), Mon., Jan. 22nd, Tues., Jan. 23rd, and/or Thurs., Jan. 25th at 1:00 p.m. Build a Lego masterpiece to display at the library.
•    Winter Wonderland Story Time (Boone’s Trail), Thurs., Jan. 25th, 10:30 a.m. Learn about winter with stories and songs.  We’ll even make a winter treat for the birds.
•    Kidz Club (Boone’s Trail), Tues., Jan. 30th, 6:00 p.m. Join us on the last Tuesday of every month for Kidz Club, where we have an activity for school-age students.  This month we’ll help you keep the birds in your yard full and happy!

TEENS:
•    Very Special Valentine Card Workshop* (Boone’s Trail), Tues., Jan. 23rd, 4:00 p.m. Get something special ready for your someone special.  We’ll make several Valentine cards using a variety of materials.

 
*Register at www.youranswerplace.org or call Boone’s Trail at 636-398-6200 or Augusta at 636-228-4855.