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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