Personal Financial Skills Pathway - WebJunction · Personal Financial Skills Pathway ... The...
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Personal Financial Skills Pathway
This pathway includes:
• Understandingtheimpactoftheeconomicdownturnonpersonalfinancialstability
• Howtoprovideresources,trainingandprogramstohelppatronsgetbettercontroloftheirpersonalfinances.
Why is it important?Many patrons face reduced incomes as a result of the economic downturn, even if they are currently employed.Theyneedadditionalresourcesandservicestohelpthemaddressavarietyoffinancialworries.Especiallywhentherearenojobstobehadinacommunityandafeelingofhopelessnesshassetin,thelibrarycanhelpindividualsregainsomebalanceintheirpersonalfinances.
Personal
Financial
Skills
Discovery & Assessment Collections Collaboration
Training & Programming Communication
This pathway is online at: www.webjunction.org/explore-topics/workforce-resources/materials.html.
LinkstoallresourcesarelistedintheURLReferenceListattheendofthisdocument. Theonlineversionhasembeddedhyperlinkstoresources.
Case Study: Financial Well-being in South San FranciscoTheSouthSanFranciscoPublicLibrary(SSFPL)hasastrongtrackrecordofhelpingadultsinthecommunitytodeveloptheirliteracyskills.DirectorHollyFulghum-NuttersrealizedherstaffcouldapplythestrategiesoftheirProjectReadliteracyprogramtobuildfinancialliteracyintheirpatrons.
Discovery: recognize a needTheProjectReadstaffsawanincreasingleveloffinancialdistressintheirpatronsastheeconomydeteriorated.Adultswhowereworkingtoimprovetheirbasicliteracywereamongthemostvulnerabletotheimpactofthetoughtimes.Theirlowliteracymadeitallthemoredifficulttounderstandtheiroptionsandarticulatetheirneeds.
Inordertolearnmoreaboutthespecificneedsofthecommunity,thelibraryconductedanonymoussurveystouncovertheissuespeopleweredealingwith—debt,credit,mortgagecrisis,retirement,investments.
Collaboration: get expert helpMovingfromareadingliteracyprogramtoafinancialliteracyprogramwasabigstepforthelibrarythatnecessitatedseekingoutsidehelp.Fulghum-NuttersseizedanopportunitytoobtainagrantfromtheSiliconValleyCommunityFoundationaspartofanefforttocombinefinancialeducationwithassetbuilding.Thefoundationrecognizedthelibrary’sabilitytoreachapopulationoftenoverlookedinfinancialeducationefforts.ThegrantplantedtheseedsoftheSSFPL’sFinancialWell-Being(FWB)program.
Withthefunding,theprogramhiredafinancialconsultantandeducatortodesignaseriesofworkshops.TheythenturnedtotheranksofProjectReadvolunteerstoenlistthemtodeliverfreeone-to-onefinancialcoachingforpatrons.Thefinancialconsultanttrainedthevolunteersinthebasicsoffinancialmanagementaswellastheartofcoachingandhonoringthepatrons’innateresourcefulness.
Forlibrariesthatdon’thavetheadvantageofgrantfundstohireaspecialist,FWBstafferFernandoCordovarecommendstappingthelocalchaptersoffinancialplanningorganizationsforunbiased,positiveeducatorswhomaybeavailabletohelplibrariansgetthebasicsonthefinancialliteracytopicssothey,inturn,canhelppatrons.Connectwiththecommunityleaders;oncetheyaresoldontheidea,theywillbemorewillingtosharestaffandexpertise.Expandtherosteroffinancialcoachesbyapproachingsocialserviceagencies,adultschools,churchesandcommunityassistancegroupsforexperthelpers.
Collection: keep it simpleThefinancialconsultantworkedwithlibrarystafftodeveloptheworkshopseries.Theycreatedmaterialsthatpresentedfinancialtopicsinsimpleterms,withoutjargon,makingthesubjecteasiertograsp.
Thelibraryalsocreatedasectionspecificallydevotedtofinancialliteracy,withbooks,factsheetsandreferralguideswithlinkstowebsites.Theytookadvantageofthemanyeasy-to-readfreegovernmentresourcesthatareavailableonthistopicinprintandonline.Onelibrarianhasbeendesignatedasthego-topersontoanswerquestionsandreferpeopletotrustedcommunityfinancialservices.
Programs: libraries know literacyUsingthesuccessfulmodelofProjectReadforincreasingadultliteracy,FWBofferedpatronsaseriesofclasses,followedbytheopportunitytoengagewithacoachtoaddressindividualneeds.Theintentwastokeepthefinancialeducationsimpleandpositivesothatpeoplestayfocusedandareinspiredtotakeaction.
FWBstafferPatJarvisstressestheimportanceofinteractivetraininginwhichpatronsidentifytheirfinancialpersonality,discusscasestudiesinsmallgroupsandcreatefinancialgoalcollages.Inherpresentations,sheavoidstext-heavyslides,usesvideoclipsanddoeslivedemosoftoolslike
annualcreditreport.com.Cordovaemphasizestheneedtodispelsomecommonmoneymythsearlyintheprocess.Forexample,manypoorpeoplebelievethatwealthandassetbuildingisexclusivelytheprovinceoftherich;untiltheyacceptthatsimplybeingintentionalwiththeirmoneywilladvancetheirwell-being,theywon’thavethemindsettobenefitfromtheinstruction.
Aftertheirinitialsuccess,SSFPLexpandeditsefforts.Toincludethewholefamilyinfinancialeducation,staffheldaseriesofstorytimeswithmoney-themedchildren’sbooksandfunactivities,likemakingpiggybanks.TheyofferedaspecialseriesofworkshopsinSpanishforLatinawomenwithaprogramcalled WI$EUP WOMEN,throughtheU.S.DepartmentofLabor—Women’sDivision.TheyworkedwithCommunityFinancialResourcestoofferprize-linkedsavingsincentivestopatrons,wheretheyreceiveraffleticketsforacashprizedrawingforenrollingandmakingregulardepositsinasavingsprogram.
Communication: develop a pitch and build trustAccordingtoCordova,“pulloutallthestops”andprecedeyourprogrammingwithacomprehensivecommunityoutreachplan.Targetcommunity-basedorganizationsthatalreadyhaveinroadswiththepeopleyouwanttoreach.Thelibrarycreatedflyerswithasimplemessageandpostedthemeverywhere—otherlibraries,jobcenters,communitycenters,seniorcenters,parks.TheygaveshortpresentationsinadulteducationandESLclasses.AndtheyencouragedtheirProjectReadstudentstospreadtheword.
Trustisanessentialcomponentofpersonalfinancialeducation.Inthepromotionalpitches,thelibrarypositioned itself clearly as a trusted source of information with no ulterior motives to sell or promote any product,andwithassurancesofdiscretionandconfidentialityinaddressingpeople’sissues.
Outcomes: motivating to changeGettingpeopletotakecontroloftheirfinancesusuallyinvolvesabehavioralchange.TakingacuefromtheWeightWatchersapproachtohelpingpeopleembracethechangetheydesire,HollyFulghum-Nutterslaid out 8 Stages of Change, the stages people go through from wantingmorefinancialwell-beingtobuildingtheirconfidence,shiftingtheirmindsetandtakingpositiveactiontoactuallygetthere.
TheFWBstrategydefinitelymotivatedmanyofitsparticipantstochangeforthebetter.Inthefirstyear,68peoplewentthroughtheclassseries;22ofthemfollowedupwithindividualcoaching.“Ultimately,”saysFulghum-Nutters,“thebiggestchangewesawwasinconfidence.Peoplefeltanewlevelofself-reliance—theynowfeltthattheywereincontrol.”OneFWBparticipantmovedthroughalleightstagesofchange,goingfromentrylevelrestaurantworktobeingabusinessowner.Sheworkedwithhercoachtowriteabusinessplan,savemoney,applyforasmallbusinessgrant,getherbusinesslicense,andnegotiateandsignaoneyearbusinesslease.That’smotivation!
Read more of the story
Discovery & Assessment Resources and ideas to help you take action
Focus here to learn more about:• The needs of your community
• Howlibrariescanhelppatronswiththeirpersonalfinancialchallenges
• Local,stateornationalagenciesavailabletoprovidepersonalfinancialeducation.
Consider: • Areyouabletoarticulatefinancialliteracyneedsto
potential partners?
Ö Look at Collaboration • Areyouabletoarticulatefinancialliteracyneedstokey
community stakeholders?
Ö Look at Communication Whatdoyouknowaboutthefinancialneedsofthoseimpactedbytheeconomicdownturninyourcommunity?
� Iknowwhatismeantbybasicpersonalfinancialknowledge.
� Iamawareofthegeneralleveloffinancialeducationinmycommunity.
• National Standards for Adult Financial Literacy Educationidentifiesthepersonalfinanceknowledgeandskillsanadultshouldpossess.
• Financial Capability Studyallowsstate-by-stateexplorationofbaselinemeasuresofthefinancialcapabilityofU.S.adults.(FINRAInvestorEducationFoundation)
• SchaumburgTownshipDistrictLibrarydevelopedaMarket Research Surveytogaugefinancialknowledgeoflibrarystaffandpatrons.
Whatcanyourlibrarydotohelppatronsgaincontroloftheirpersonalfinances? � Iamfamiliarwithwhatotherlibrariesaredoingtoincreasepatrons’financialliteracy.
� Iknowwhatmylibraryalreadyhasinplaceforincreasingfinancialliteracy.
� I can identify at least one action to help patrons with personalfinancialskillsatmylibrary.
• Read case studies from seven librariesabouttheirsuccessfulfinancialeducationprograms.
• Project Read Gets Smart with Money: Public Libraries’ featurearticleaboutSouthSanFranciscoPublicLibrary’s financial education program.
• WatchMoney Matters: Teaching Financial Literacy SkillsfromtheGeorgiaPublicLibraryServiceWednesdayWebinarseries.(Note:firsthouronly;secondhourisadifferenttopic.)
• TheU.S.OfficeoftheComptrolleroftheCurrencyfact sheet on financial literacy provides an overview, resourcesandexamplesofactivities.
� Iprovideinformationaboutlivingonareducedand/orlimitedincome.
• Createdisplaysofbooksaboutlivingwithinlimitedmeans,suchashealthyeatingonatightbudget,vegetablegardeningorraisingchickens.
• Collect coupons for anyone to pick up, or offer a coupon exchangeevent.
• Enlistan“extremecouponer”toteachaworkshopatthelibrary.
• Promotethefreeentertainmentopportunitiesthatthelibraryprovides.
Whatagenciesareavailabletoprovidesupportforthoseimpactedbytheeconomicdownturn? � Iamabletodirectpatronstonational,stateorlocalagenciesforhelpwiththeirpersonalfinancialgoals.
• Locate your Federal Reserve District.• Find State Coalitions of the national Jump$tart Coalition
organizationdedicatedtoimprovingthefinancialliteracyofpreschooltocollegeage.
• TheFINRAInvestor Education Foundation provides underservedAmericanswiththeknowledge,skillsandtoolsnecessaryforfinancialsuccess.
Personal Financial Skills Pathway
Collections Resources and ideas to help you take action
Focus here to: • Identifywhatfinancialliteracyresourcesyourlibrary
collection has
• Identifywhatyouneedtobeginoraugmentafinancialliteracycollection.
Consider: • Doesyourcollectionalignwithassessedneedsfor
personalfinancialeducation?
Ö Look at Discovery & Assessment • Whocanyoucollaboratewithtoshareresources?
Ö Look at Collaboration Whatdoyouneedtobuildoraugmentabasicfinancialliteracycollection?
� Mylibraryhasgeneralprintandonlineresourcesonfinancialliteracy.
� Mylibrary’sfinancialliteracyresourceshavebeenaggressivelyweededforthemostcurrentanduseful.
• MembersoftheNational Financial Education Network forState&LocalGovernmentsprovideasearchabledatabaseofresourcesonfinancialliteracy.
• The Institute for Financial Literacy has a collection of articles and research.
• Show Me the MoneyBibliographylistsbooksforK–12financialeducation.
• TheChicagoPublicLibrarymaintainsareader’sadvisorylist of titles on Credit and Debt Management.
• Financial Literacy Books for Parentslistsbooksbyagegroupstohelpchildrendeveloptheirpersonalfinancialskillsearly.
� Iamfamiliarwithonlinefinancialliteracyresourcesavailabletopatrons.
� Iamabletoassistpatronsinfindingpersonalfinancialresourcesonline.
• Neighbor Works Americaprovideslinkstofinancialstabilityinformation.
• Get Rich Slowlyhasaseriesofvideosoncredit,debt,savingandspending.
• SmartAboutMoney.orgbytheNationalEndowmentforFinancialEducationprovidesarticles,worksheets,tipstohelpwithlife’sfinancialdecisions.
• TheFDIChasQuick Links for Consumers and Communitiesdealingwithfinancialissues.
• AnnualCreditReport.com allows individuals to request a freeannualreport.
Whatbibliographiesandpathfindersdoesmylibraryhavetopromotefinancialliteracy? � Mylibraryhascreatedanonlinedirectoryoffinancialresources.
� Mylibrarywebsitehasalinktothestatelibrary(orotherrelevantlibrary)resourcesforfinancialliteracy.
� Ihavecreatedhandoutslistingmylibrary’sandothercommunityagencies’resourcesforfinancialeducation.
• Finances and Money ManagementisaWashingtonStateLibrary-hostedwebsiteforfinancialresources.
• NewYorkPublicLibrary’sFinancial Literacy Now guide providesalistofonlineresources.
• HowardCountyLibrary’sFinancial Literacy Bibliography isalistofresourcestheykeepneartheinformationdesk.
• BolivarCountyLibrary’s Financial & Investment Resource Website Links is a selected directory of useful websites.
Personal Financial Skills Pathway
Training & Programming Resources and ideas to help you take action
Focus here to: • Identifyavailableself-pacedtrainingresourcesforpersonal
financialeducation
• Identifyprogramsandclassesyourlibrarycouldoffertobuildpersonalfinancialskillsandknowledge.
Consider: • Doyourtraining/programmingplansalignwithassessed
community needs?
Ö Look at Discovery & Assessment• Doyouhavethecollectionyouneedtosupportpersonal
financialskillstrainingandprograms?
Ö Look at Collections• Whocanyoucollaboratewithtodelivertrainingand
programs?
Ö Look at Collaboration• Doyouhaveplansforeffectivemarketingofyourtraining
and programs?
Ö Look at CommunicationWhatprogramsorclassescanmylibraryoffertobuildpersonalfinancialskillsandknowledge?
� I connect patrons to free, good quality online training on personalfinancialtopics.
• MyMoney.govistheU.S.government’sefforttoimprovefinancialliteracyandeducationandprovidefree,reliablefinancialinformationtotheAmericanpublic;includestoolssuchascalculators,budgetworksheetsandchecklists.
• Financial Literacy Now offers instruction on a variety of familyfinancialtopics.
• Money Smart – A Financial Education Program(fromFDIC)consistsof11trainingmodulesthatcoverbasicfinancialtopics;alsoavailableasself-pacedcomputer-based instructioninEnglishandSpanish.
• 360 Degrees of Financial Literacy(AmericanInstituteofCertifiedPublicAccountants)aimstohelpAmericansunderstandtheirpersonalfinancesthrougheverystageoflife.
� Mylibraryoffersprogramsandclassesonspecificpersonalfinancialtopics(managingcredit,creatingafamilybudget,livingonarestrictedincome,buildingsavings,managingstudentloans,etc.).
� Iadaptexistingresourcestoofferclassesonavarietyoffinancialliteracytopics.
• Money Smart Week @ Your Library provides a wide varietyofprogramideasmatchedtoresources.
• TheStateLibraryofOhiohasalistofFinancial Literacy Program Ideas.
• ProjectMoneyoffersTeaching Toolsforbasicfinancialtopics, including advice on how to feel more comfortable talking about money.
• Use the Are You Financially Fit? Workbook from Florida StateUniversity,whichisalsoavailablein Spanish.
• Explorefinancialeducationgames and simulations from theFederalReserve.
• TheFederalReserveBankofDallasoffersBuilding Wealth, a free education resource with an interactive video and an Instructor’s Manual.
Personal Financial Skills Pathway
Training & Programming (cont.) Resources and ideas to help you take action
� Mylibraryoffersorconnectspeoplewith1:1consultationtorespondtofocusedneedsofpatronsdealingwithfinancialissues.
• The HOPE NOW Alliancelistsorganizationsofferingfreemortgageandforeclosurecounseling;findaHUD-certified counselorinyourregion.
• The Institute for Financial Literacy offers individual financial counselingontheWeb.
� Mylibraryofferstrainingtospecificaudiences,addressingspecificcommunityneeds.
• Providestorytimeprogramsfocusedonfinancialtopicslikespending,allowanceorsavingsaccountsforkids.
• TheGreensboroPublicLibraryoffersFuture Cents for youngadults;theDarienPublicLibraryoffersaTeaching Financial Literacy to Kids & Teensprogram.
• Get ideas from Dollars from Sense, an interactive site designed to educate college students and recent grads abouttheirfinancialoptions.
• Buildprogramsforsoon-to-beandrecentretireesaroundthesePBSbroadcastsfromtheseriesGet Your Finances Ready for Retirement.
Whatcurrentideasandstrategiescanyourlibraryusetoincreasepatrons’financialliteracy? � Iuseinnovativeapproachesaspartofmylibrary’sfinancialeducationefforts.
� Iamabletoplananetworkingevent,orseriesofevents,atmylibrarytofacilitatepeerknowledgeexchange.
• MatchFundisanonlinefinancialtoolthatblendssocialnetworkingtechnologieswithtipsforasolidfinanciallife.
• Spendster.org has videos of ordinary people confessing theirwastefulspendinghabits.
• SouthSanFranciscoPublicLibraryworkswithPrize Linked Savings to motivate their patrons to make regular depositsintosavingsaccounts.
• HowardCounty(MD)LibraryFriendssponsorafinancialliteracy event, Money Matters: A Community Fun & Activities Fair.
• Organizebookclubsthatfocusonfinancialtopics;suggestionsforthereadinglistincludeSuzeOrman,GailVaz-OxladeandJudithLevine(Not Buying It)
• StartaMoneyClubsupportgroupforpatronswhohavegonethroughthelibrary’sfinancialliteracytraining.
Personal Financial Skills Pathway
Collaboration Resources and ideas to help you take action
Focus here to: • Identify strategic community connections and potential
partners
• Buildrelationshipsanddeveloppartnershipswithcommunity-basedagenciestoaugmentfinancialliteracyservicesandprograms.
Consider: • Arethesepartnersabletohelpthelibraryaugmentits
collections?
Ö Look at Collections
• Arethesepartnersabletohelpthelibrarycommunicateitsvalue to the community?
Ö Look at Communication Whatpartnershipscanmylibrarydevelopwithcommunity-basedagenciestoincreasefinancialliteracy?(Forgeneralinformation,seethePartnership and Collaboration Guide.)
� Ihaveidentifiedalistofotherpotentialpartners,includingnontraditionalchoices.
• TheFDICCommunity Affairs Officers provide assistance inidentifyingorganizationsinterestedinpartnershipstoprovidefinancialeducation.
• ProjectCompassworkshopparticipantssuggestedthesepotential partners:
– AARPandseniorcenters
– Banksandcreditunions
– Chamberofcommerce
– Certifiedpublicaccountants
– Consumer credit counseling service
– Countyextensionoffice
– Juveniledetentioncenter
– Money Management International
– Nonprofitorganizations
– Schools and community colleges
� I have approached appropriate partners to implement financialeducationprogramsorservices.
• Askbankemployeestogiveworkshopsontopicslikeonlinesecurityoridentitytheft.
• TheMemphis(TN)PublicLibrarylistslocalagenciesthatoffer Credit Counseling/Money Management.
• Asktheattorneygeneral’sofficeorthepolicedepartmenttogivetalksaboutidentitytheftandfinancialscams.
• Library program promotes financial education in arealistsavarietyoforganizationsthattheWashington-Centerville(OH)PublicLibrarypartnerswithtodeliveraMoneySenseseries.
• Findvolunteerstosetupofficehoursfor1:1tutoringonfinancialtopics;askstudents,retirees,membersofSCOREorotherlocalcommunityagencies.
Personal Financial Skills Pathway
Communication Resources and ideas to help you take action
Focus here to learn more about: • Marketingthelibrary’sfinancialliteracyservices
• Communicatingthevalueofthelibrary’ssupportforcommunityfinancialhealthtostakeholders.
Consider: • Areyouabletoengagepartnerstohelpwithpromotionof
services or communication of value?
Ö Look at Collaboration
HowdoIletcommunitymembersknowaboutthepersonalfinancialresourcesandservicesthelibraryhas?(Forgeneralinformationoneffectivecommunication,seetheGetting the Word Out Guide.)
� I know ideas and strategies for marketing and outreach aboutthelibrary’sfinancialeducationservices.
• Look through this collection of Multimedia resources for pressreleases,videos,podcasts,brochuresandmore(fromSmartInvesting@YourLibrary).
• Createbookmarksorflyersthatletpeopleknowhowthelibrarycanhelpwithpersonalfinancialinformation,suchaswheretofileforbankruptcy,gethelpwithforeclosureordocreditchecks.
• Think up compelling titles for workshops that reverse the typicalnegativemessage:“WhyI’mRich,”“SwimmingtotheTop”or“MakingYourMoneyWorkforYou.”
� Iamawareofthesensitivenatureoffinancialtopicsforindividuals.
• Finddiscreetwaystodistributepromotionalmaterialssopeople can pick them up without stigma:
– Slipbookmarksorflyersintopatrons’materialsat checkout.
– Ifyouhaveadisplayoffinancialliteracybooks,tuck aflyerintoeachbook.
– Leave materials near the copy machine or any place wheretheycanbepickedupanonymously.
� Iamabletocommunicatethevalueofthelibraryasanessentialsupportsystemforthoseimpactedbytheeconomicdownturn.
• In Financial Literacy Now: New York,McGraw-HillCEOHaroldMcGrawIIIprovidesgoodtalkingpointsaboutthevalueoffinancialliteracy.
Personal Financial Skills Pathway
URL Reference ListLinkstoresourcesarelistedbelowintheordertheyappearinthispathway. Theonlineversionhasembeddedhyperlinkstoresources.
Case StudyWI$EUPWOMEN:www.wiseupwomen.org/ Stages of Change: www.webjunction.org/documents/wj/Stages_of_Change.html Read more of the story: http://publiclibrariesonline.org/magazines/featured-articles/project-read-gets-smart-money
Discovery & AssessmentNationalStandardsforAdultFinancialLiteracyEducation: www.financiallit.org/resources/pdf/21.2.1_NationalStandards&Benchmarks_SecondEdFinal.pdfFinancialCapabilityStudy:www.usfinancialcapability.org/Market Research Survey: http://smartinvesting.ala.org/wp-content/uploads/market-research-findings-wth-background.pdfCasestudiesfromsevenlibraries:http://smartinvesting.ala.org/project-results/lessons-learned/ProjectReadGetsSmartwithMoney: http://publiclibrariesonline.org/magazines/featured-articles/project-read-gets-smart-moneyProjectReadwebsite:http://ca-southsanfrancisco.civicplus.com/index.aspx?NID=773Money Matters: Teaching Financial Literacy Skills: http://georgialibraries.org/events/wed-web-series/money-matters-teaching-financial-literacy-skills-archived-session U.S.OfficeoftheComptrolleroftheCurrencyfactsheet: www.occ.gov/topics/community-affairs/publications/fact-sheets/fact-sheet-financial-literacy.pdfFederalReserveDistrict:www.federalreserveeducation.org/about-the-fed/structure-and-functions/districts/Jump$tartCoalition:http://jumpstart.org/home.html and State Coalitions: http://jumpstart.org/state-coalitions.htmlFINRAInvestorEducationFoundation:www.finrafoundation.org/
CollectionsNationalFinancialEducationNetwork: www.flecnationalnetwork.org/search.cfmInstitute for Financial Literacy articles and research: www.financiallit.org/resources/articles.aspxShowMetheMoneyBibliography:www.ocmboces.org/tfiles/folder1461/21st%20century%20show%20me%20the%20money.pdfChicagoPublicLibraryCreditandDebtManagementtitles:www.chipublib.org/list/read/id/85/FinancialLiteracyBooksforParents:http://financeintheclassroom.org/parent/books.shtml NeighborWorksAmerica:www.nw.org/network/consumers/financial-capability.aspGet Rich Slowly: www.getrichslowly.org/blog/2007/05/01/a-collection-of-financial-literacy-resources/SmartAboutMoney:www.smartaboutmoney.org/Quick Links for Consumers and Communities: www.fdic.gov/quicklinks/consumers.htmlAnnualCreditReport.com:www.annualcreditreport.com/cra/index.jspFinances and Money Management: www.sos.wa.gov/library/hardtimes/finances.aspxNYPLFinancialLiteracyNowguide:www.nypl.org/help/getting-oriented/financial-literacy/web-resources
HowardCountyLibrary’sFinancialLiteracyBibliography:www.hclibrary.org/index.php?page=203BolivarCountyLibrary’sFinancial&InvestmentResource:www.bolivar.lib.ms.us/smartinvestlinks.html
Training & ProgrammingMyMoney.gov:www.mymoney.gov/FinancialLiteracyNow:www.financiallitnow.org/index.shtmlMoneySmart-AFinancialEducationProgram:www.fdic.gov/consumers/consumer/moneysmart/curriculum.html360DegreesofFinancialLiteracy:www.360financialliteracy.org/MoneySmartWeek@YourLibrary:www.chicagofed.org/digital_assets/others/education/msw/ala/msw_ala_resources.pdf
Personal Financial Skills Pathway
StateLibraryofOhioFinancialLiteracyProgramIdeas: www.webjunction.org/documents/oh/Financial_Literacy_Program_Ideas.html ProjectMoneyTeachingTools:www.projectmoney.org/teaching/index.html Talkingaboutmoney:www.projectmoney.org/teaching/talking.html AreYouFinanciallyFit?Workbook: www.finrafoundation.org/web/groups/foundation/@foundation/documents/foundation/p122359.pdfFinancial education games and simulations: www.federalreserveeducation.org/news/multimedia/games.cfmTheFederalReserveBankofDallasBuildingWealth:www.dallasfed.org/cd/wealth/index.cfm
Instructor’sManual:www.dallasfed.org/assets/documents/cd/wealth/wealth_guide.pdf HOPENOWAlliance:www.hopenow.com/hopenow-counseling.php
HUD-certifiedcounselor:www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm
InstituteforFinancialLiteracyfinancialcounseling:www.financiallit.org/programs/financialcounseling.aspxGreensboroPublicLibraryFutureCents:www.myfuturecents.com/what_it_is.htmlDarienPublicLibraryTeachingFinancialLiteracytoKids&Teens: www.darienlibrary.org/2010/08/30/teaching-financial-literacy-kids-teensDollarsfromSense:www.dollarsfromsense.com/GetYourFinancesReadyforRetirement:http://feeds.pbs.org/pbs/nbr/retirement-video
MatchFund: http://matchfund.com/Spendster.org:http://spendster.org/PrizeLinkedSavings:www.d2dfund.org/building_savings/prize_linked_savings
MoneyMatters:ACommunityFun&ActivitiesFair:www.hclibrary.org/moneymatters
CollaborationFDICCommunityAffairsOfficers:www.fdic.gov/consumers/consumer/moneysmart/cao.htmlCreditCounseling/MoneyManagement:www.memphislibrary.org/hardtimes/credit-counseling-money-managementLibraryprogrampromotesfinancialeducation:
www.daytondailynews.com/news/community/centerville/library-program-promotes-financial-education-in-area-1090110.html
CommunicationSmartInvesting@YourLibrary:http://smartinvesting.ala.org/Multimedia resources: http://smartinvesting.ala.org/project-results/multimedia/FinancialLiteracyNow:New York: www.nypl.org/help/getting-oriented/financial-literacy/mcgraw-hill
AllProjectCompassprogramsandmaterialsaremadepossiblebyagrantfromtheInstituteofMuseum andLibraryServices,andprovidedbyWebJunctionandtheStateLibraryofNorthCarolina.
Personal Financial Skills Pathway