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<p class="MsoNormal">The <a href="https://www.consumerfinance.gov/">Consumer Financial Protection Bureau (CFPB)</a> hosted a webinar in January about their new toolkit:
<a href="https://www.consumerfinance.gov/practitioner-resources/your-money-your-goals/toolkit/">
Your Money, Your Goals</a>. <o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">A <a href="https://www.dropbox.com/s/ll70f4fkvpfoyln/Pacific%20Northwest%20Libraries%20YMYG_1-10-19.mp4?dl=0">
recording of the webinar</a> is now available. Learn how Spokane County Library District is using the toolkit in their outreach and training and get inspired to create your own activities for Financial Literacy Month in April.
<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">Your Money, Your Goals (YMYG) is a set of free financial empowerment materials for organizations that help people meet their financial goals by increasing their knowledge, skills, and resources.
<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">YMYG booklets are a colorful, compact resource your patrons can use to learn about money topics that are important to them. Each booklet includes a selection of simplified tools from the YMYG toolkit—all focused on a common financial topics.
Copies are free and can be <a href="https://www.consumerfinance.gov/practitioner-resources/your-money-your-goals/booklets-talk-about-money/">
ordered from the CFPB web site</a>. Topics include:<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
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</v:shapetype><v:shape id="Picture_x0020_3" o:spid="_x0000_s1027" type="#_x0000_t75" alt="Tools from the bills booklet" style='position:absolute;margin-left:-16.5pt;margin-top:-146.25pt;width:197.45pt;height:111pt;z-index:251661312;visibility:visible;mso-wrap-style:square;mso-width-percent:0;mso-height-percent:0;mso-wrap-distance-left:9pt;mso-wrap-distance-top:0;mso-wrap-distance-right:9pt;mso-wrap-distance-bottom:0;mso-position-horizontal:absolute;mso-position-horizontal-relative:text;mso-position-vertical:absolute;mso-position-vertical-relative:text;mso-width-percent:0;mso-height-percent:0;mso-width-relative:margin;mso-height-relative:margin'>
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</v:shape><![endif]--><![if !vml]><img width="263" height="148" src="cid:image007.png@01D4BD32.FA0541D0" align="left" hspace="12" alt="Tools from the bills booklet" v:shapes="Picture_x0020_3"><![endif]><b><span style="font-size:16.0pt">Behind
on bills?</span></b> Patrons can use this booklet to:<o:p></o:p></p>
<p class="MsoListParagraph" style="text-indent:-.25in;mso-list:l0 level1 lfo1"><![if !supportLists]><span style="font-size:11.0pt;font-family:Symbol"><span style="mso-list:Ignore">·<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><span style="font-size:11.0pt">Create an action plan<o:p></o:p></span></p>
<p class="MsoListParagraph" style="text-indent:-.25in;mso-list:l0 level1 lfo1"><![if !supportLists]><span style="font-size:11.0pt;font-family:Symbol"><span style="mso-list:Ignore">·<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><span style="font-size:11.0pt">Track and manage income and spending<o:p></o:p></span></p>
<p class="MsoListParagraph" style="text-indent:-.25in;mso-list:l0 level1 lfo1"><![if !supportLists]><span style="font-size:11.0pt;font-family:Symbol"><span style="mso-list:Ignore">·<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><span style="font-size:11.0pt">Prioritize bills and expenses<o:p></o:p></span></p>
<p class="MsoListParagraph" style="text-indent:-.25in;mso-list:l0 level1 lfo1"><![if !supportLists]><span style="font-size:11.0pt;font-family:Symbol"><span style="mso-list:Ignore">·<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><span style="font-size:11.0pt">Understand rights and responsibilities when contacted by debt collectors<o:p></o:p></span></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><!--[if gte vml 1]><v:shape id="Picture_x0020_2" o:spid="_x0000_s1026" type="#_x0000_t75" alt="Image of Publication Cover" style='position:absolute;margin-left:-7.5pt;margin-top:-284.25pt;width:108.75pt;height:163.8pt;z-index:251660288;visibility:visible;mso-wrap-style:square;mso-width-percent:0;mso-height-percent:0;mso-wrap-distance-left:0;mso-wrap-distance-top:0;mso-wrap-distance-right:0;mso-wrap-distance-bottom:0;mso-position-horizontal:absolute;mso-position-horizontal-relative:text;mso-position-vertical:absolute;mso-position-vertical-relative:line;mso-width-percent:0;mso-height-percent:0;mso-width-relative:page;mso-height-relative:page' o:allowoverlap="f">
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getting in your way?</span></b>. Patrons can use this booklet to:<o:p></o:p></p>
<p class="MsoListParagraph" style="text-indent:-.25in;mso-list:l1 level1 lfo2"><![if !supportLists]><span style="font-size:11.0pt;font-family:Symbol"><span style="mso-list:Ignore">·<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><span style="font-size:11.0pt">Get a full picture of existing debt<o:p></o:p></span></p>
<p class="MsoListParagraph" style="text-indent:-.25in;mso-list:l1 level1 lfo2"><![if !supportLists]><span style="font-size:11.0pt;font-family:Symbol"><span style="mso-list:Ignore">·<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><span style="font-size:11.0pt">Order a credit report<o:p></o:p></span></p>
<p class="MsoListParagraph" style="text-indent:-.25in;mso-list:l1 level1 lfo2"><![if !supportLists]><span style="font-size:11.0pt;font-family:Symbol"><span style="mso-list:Ignore">·<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><span style="font-size:11.0pt">Prioritize debts and set repayment goals<o:p></o:p></span></p>
<p class="MsoListParagraph" style="text-indent:-.25in;mso-list:l1 level1 lfo2"><![if !supportLists]><span style="font-size:11.0pt;font-family:Symbol"><span style="mso-list:Ignore">·<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><span style="font-size:11.0pt">Plan how to avoid additional debt<o:p></o:p></span></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><span style="color:red">NOTE: Coming soon!<o:p></o:p></span></p>
<p class="MsoNormal">Want credit to work for you? Start with these steps. Patrons can use this booklet to:<o:p></o:p></p>
<p class="MsoListParagraph" style="text-indent:-.25in;mso-list:l2 level1 lfo3"><![if !supportLists]><span style="font-size:11.0pt;font-family:Symbol"><span style="mso-list:Ignore">·<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><span style="font-size:11.0pt">Get a free copy of their credit report<o:p></o:p></span></p>
<p class="MsoListParagraph" style="text-indent:-.25in;mso-list:l2 level1 lfo3"><![if !supportLists]><span style="font-size:11.0pt;font-family:Symbol"><span style="mso-list:Ignore">·<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><span style="font-size:11.0pt">Review their credit report and dispute any errors<o:p></o:p></span></p>
<p class="MsoListParagraph" style="text-indent:-.25in;mso-list:l2 level1 lfo3"><![if !supportLists]><span style="font-size:11.0pt;font-family:Symbol"><span style="mso-list:Ignore">·<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><span style="font-size:11.0pt">Make a plan to improve their credit score<o:p></o:p></span></p>
<p class="MsoListParagraph" style="text-indent:-.25in;mso-list:l2 level1 lfo3"><![if !supportLists]><span style="font-size:11.0pt;font-family:Symbol"><span style="mso-list:Ignore">·<span style="font:7.0pt "Times New Roman"">
</span></span></span><![endif]><span style="font-size:11.0pt">Weigh the benefits, costs, and risks of using credit<o:p></o:p></span></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">For more information about the resources available to libraries from the CFPB, see their
<a href="https://www.consumerfinance.gov/practitioner-resources/library-resources/">
Library Resources</a> web page.<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal" style="margin-bottom:3.0pt"><b><span style="font-size:10.0pt;font-family:"Century Gothic",sans-serif;color:black">Arlene Weible, MLS<o:p></o:p></span></b></p>
<p class="MsoNormal" style="margin-bottom:3.0pt;line-height:115%"><span style="font-size:9.0pt;line-height:115%">Electronic Services Consultant</span><span style="font-size:9.0pt;line-height:115%"><o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:3.0pt;line-height:115%"><span style="font-size:9.0pt;line-height:115%">Oregon Federal Regional Depository Coordinator<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:3.0pt;line-height:115%"><span style="font-size:9.0pt;line-height:115%;color:#2E74B5"><a href="mailto:arlene.weible@state.or.us"><span style="color:#0563C1">arlene.weible@state.or.us</span></a></span><span style="font-size:9.0pt;line-height:115%">
<b>|</b> 503-378-5020 <b>|</b><span style="color:#2E74B5"> <a href="http://www.oregon.gov/library/libraries">
<span style="color:#0563C1">http://www.oregon.gov/library/libraries</span></a></span><u><span style="color:#0563C1"><o:p></o:p></span></u></span></p>
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