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35 free public library services frugal people swear saves them tons of money

"My library saves me hundreds if not thousands of dollars a year."

Image via Canva/Sergey Nivens

Frugal people utilize free services from the public library.

Popping into your local library can save you big bucks. Not only is the library itself the perfect example of affordable entertainment and access to free books, libraries are also excellent resources for other free and discounted perks.

Few people know this better than those who live a frugal lifestyle. Having a public library card can help you unlock innumerable ways to save money. As one person in the subreddit r/Frugal noted, "My library saves me hundreds if not thousands of dollars a year. Between the museum visits, library books, and audiobooks I take out. It's worth my $50 a year tax to my county."

From free access to technology, subscriptions, and more, these are 35 ways frugal people take full advantage of their public library access to save money.

- YouTube www.youtube.com

"Especially true if your library does inter-library loan. I live in San Francisco and the librarian found a copy of a book about the Maoist movement in India that I was looking for. There was one copy in the entire country - at the University of Indiana. She called them and even though they weren't part of inter-library loan system, they graciously agreed to ship it to SFPL for me to check out." - TheMegFiles

"The library I frequent also has puzzles to check out! Saves at least $10-$15 every time!" - debress

"Ours got cake pans because of the popularity of The Great British Bake-Off." - eczblack

"My library has embroidery machines. Whenever I get tired of my closet I just add some flowers or whatever instead of buying more clothes." - RiceStickers

- YouTube www.youtube.com

"Our library has that and, and then some! Tools (too many to list, many power tools), Bicycles, Electronics (games, controllers, speakers, etc), Games (board and card), Health and Wellness (air quality monitor, blood pressure), Home (baking, sewing, cookware), Instruments, Jigsaw Puzzles, Memory Kits, Outdoor Activities (giant games, bird watch kits, +more), Science (STEM kits, microscope, telescope), Sensory Kits and Fidget toys. I just remembered they had two 3d printers! (They charge $0.10/g which is a great deal I'm told)." - jradio

"YouTube. I haven't paid for entertainment in 10 years. Anything in interested in hearing/seeing/learning is all on YouTube." - diy_surgeon

"Just found out mine has discounted passes to over 440 locations, including a local archery range that I never knew was there." - dunyuhhh

library, public library, library card, library card gif, free library Dog Glasses GIF by County of Los Angeles Giphy

"A lot of libraries include digital access to the Wall Street Journal, you have to renew it online every 3 days, but it's totally free for the users. The library does pay an annual fee to provide this service. If your library is already paying, you might as well take advantage." - AshleySchaeffer-BMW

"I use my library’s Libby for audiobooks. I’ve read over 1500 books in the last 5 years. No way I would have bought all of those." - Purple-Prince-9896

"My library has access to multiple language learning software, all Udemy courses, like 2 or 3 different streaming services and a BUNCH of other stuff. Not saying they all do that but ppl seriously sleep on the library." - boomer1204

"Some even have tickets for museums and such, also seeds for gardening!" - HomemakingHeidi

@ameliaagcarpenter

and who was going to tell me you can rent more than just books??? 📚 @JohnsonCityPublicLibrary #libraryhaul #freethingstodo #thingstodoforfree #freeresources #locallibrary #booktok #augustcurriculum

"And libraries are the perfect place to stop in when traveling - I always look up the local library on road trips or when I'm in a new city. Free place to use the bathroom, get water, look at books or magazines, stretch my legs, take a journaling break, etc. Highly recommend." - Available-Chart-2505

"Our library has a card to local swimming place. You can loan it 2 times a year and go 2 times." - alputik

"My old city library had a full makerspace (3d printers, laser engravers, quilting and sewing machines) and a small-ish (3-5 people depending on if you wanted to bring in instruments and such) recording studio." - DariusJenai

"Mine rents out snowshoes!" - 800-lumens

library, local library, public library, library gif, libraries Books Reading GIF by Ari Farley Giphy

"Mine has free Ancestry access, which I can also log into from home via the library's website, which is super convenient!" - majin_chichi

"Mine has a toy library, a music instrument library, and themed backpack kits to borrow. The backpacks I've used so far were bird watching with books and binoculars, early reading with learning aids and games, and wildlife/hiking with compass, books, binoculars. And survival guide." - w4ntsm0r3

"Mine also lets you borrow video games!" - afterglobe

Courtesy of Queens Public Library
True

If you were asked to imagine a public library, your mind would conjure up a familiar image: a giant room with books crammed onto every wall and shelf; patrons quietly reading at tables; a librarian (pleasant but stern) who would help you find anything you need but wouldn't hesitate to shush you at the slightest indication that your voice might raise above a whisper.

Perhaps these images were true during your childhood, but the library has changed. Though public libraries have always served as meeting places where people might gather for a book club or town hall, many are now full-fledged community centers where residents can not only borrow books and use computers, but also take part in programs that teach everything from life skills to job preparedness.

The Queens Public Library (which services the Queens borough of New York City) is a leader in this evolving space. The library's 66 locations boast more than 87,500 programs. These include standards like story time and knitting workshops, but also branch out into wellness (you can do yoga in the library!) and classes that help community members navigate the road to citizenship. And all of these programs are available within a mile of where most people reside. "Wherever you live in Queens, there's a branch near you," says Ewa Kern Jedrychowska, the deputy communications director for the library.

One program that's become overwhelmingly popular is "Ready, Set, Bank" (Listos, Clic, Avance), which the library offers in partnership with Capital One. Monique Hector, who manages programs with the library's Job and Business Academy (JBA), says JBA realized there was a need for a class on managing money and using online banking during existing workshops which helped residents find jobs.


"We provide resume assistance, cover letter assistance, mock interviewing," Hector says. "There's also a technology portion where we teach everything from how to use a computer to Advanced Excel and Word and PowerPoint. What we noticed in 2017 was that when we're working with individuals who are looking for employment, they also need help managing their money."

Hector's first focus was on helping people who were unemployed find a way to use their savings to create a sustainable lifestyle. But as classes progressed, JBA found there was another demographic they needed to reach: people, primarily Spanish-speakers with families, who worked hours that wouldn't allow them to get to the bank during business hours but weren't familiar with 24-hour online banking.

That's where Ready, Set, Bank came in. The program teaches residents how to use banking apps, busts myths about privacy and security, and empowers community members to take control of their money by learning how to check balances, deposit checks, pay bills, and send money from their phones, thereby reducing both late payments and stress for people who are already working so hard. Sixty-three nonprofits and organizations use Capital One's Ready, Set, Bank program across the country.

Courtesy of Queens Public Library

For Enelsida Maza, a Colombian woman who's been living in the Arvene area of Queens for the past 13 years, the program has been life-changing. Maza goes to the library regularly to help her son pick out books and take computer classes offered in Spanish. When a librarian told Maza about Ready, Set, Bank, (Listos, Clic, Avance) she was hesitant at first because she always thought she had to complete all her banking in person.

"Now I can do my financial transactions wherever I am without losing time," she says. "I don't have to be late for work or take a day off to go to the bank."

For Maza, one of the program's biggest benefits is that it's taught in Spanish. That's been helpful for many participants, Hector says. Queens is considered to be America's most diverse county and offering classes in languages other than English so no one has to feel uncomfortable or lost while trying to learn a new skill has brought in more and more participants.

An added benefit, Hector says, is that those taking the course will learn about the library's other offerings at the same time. Many go on to take English for Speakers of Other Languages (ESOL) classes or avail the myriad other programs the library offers. For these people, the library becomes a safe space to learn and build community. Many participants, like Maza, bring in their friends and family members and they, in turn, bring their families, helping both the program and financial literacy grow.

The program is provided by Capital One. It's unbranded, meaning there's no pressure to sign up with or switch over to the banking institution — the organization simply wants to help people become more knowledgeable and empowered when it comes to their finances. That's why community involvement has always been a cornerstone of the company's ethos.

To help Ready, Set, Bank be as successful as possible, Capital One sends Financial Access Educators to help lead the workshops and provide feedback and insight. One employee, Hector says, jumped in and taught a few classes, staying behind to answer questions from participants and provide even more knowledge. In some neighborhoods, bankers have come in to talk to participants about how to best manage their finances. Since 2017, Capital One has provided financial support to keep the program going and expand it to as many branches as possible.

In response to the overwhelming positive feedback, the library is planning to add CreditWise — a workshop that deals with the ins and outs of holding a credit card — to its offerings soon. Hector hopes it will empower even more people to feel confident about their finances and pass on their knowledge to future generations.

To learn more about the Capital One's Ready, Set, Bank program, visit www.readysetbank.org.

Information about Queens Public Library and its programs can be found at queenslibrary.org.

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