Program Review - Financial Planning After High School

On Thursday, November 8th of 2018 the teen room hosted a program presented by Business Librarian Andrew Zollman on financial planning after high school for teens. Teen Blog contributor Nina Hook was at that program and this is what she thought of it.

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"I am constantly anxious about the future. I think it’s very easy to get caught up thinking about years to come, and how you are going to figure everything out. While the future is unknown, and there is no reason to fret about it, there are ways to plan accordingly to give you the best future possible. 

I recently attended a talk about financial plans after high school for teens at the Yuma County Library and it truly opened my mind to so many options that I didn’t even realize I had. It helped me understand the infinite number of roads the future as in store for me. With the immense variety of topics we covered, this talk was applicable to any and every teen! 

Also, the discussion was great because it answered so many questions that I didn’t even think I needed to ask! There is so much to living on your own that teens don’t even realize. While it was realistic, it helped me understand what I was getting in to, so I could succeed. 

I am pretty set on going to Tennessee for college. I cannot begin to express how much this discussion helped me on figuring out every inch of my move concerning my finances. There were things brought up that I did not even realize were going to financially affect me and my lifestyle. In addition to helping me figure out my financial plans, the discussion shared many helpful tips to help my budget!

Overall, there are 101 ways to get to where you want to go! But I highly recommend figuring out your financial situation before graduating so you can be as prepared as possible. There are so many things unknown to us teenagers, that information like the one I got from the discussion, is vital. 

~Submitted by Nina Hook.

Program Review: Debit, Credit and Alternative Forms of Payment

On Thursday, August 16th, Business Librarian Andrew Zollman took over the teen room at the Main Library to host a program about finances for teens. This is the first program in a series of financial classes on different topics specially for teens. Blogger Nina Hook was at the program and she tells us what she thought.

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"As teenagers, most of us are learning responsibility little by little from the things we do wrong and the praise we get when we do right. However, one of the biggest responsibilities in life that sometimes never gets taught is money management.

On a Thursday evening, I attended an informational session on credit, debit, and cash for teenagers that really opened my mind and gave me a new perspective. Walking in, I felt confident in my responsibility and my knowledge on the subject, but walking out, I had a new perspective due to all the important pieces of information that I hadn’t known.

The program hit on the vital basic knowledge of credit, debit, and cash while diving deeper into tips and tricks, like when to use what. The basic knowledge was so important to understanding the concepts and ideas that came later. In addition, knowing when to use what truly helped me realize how much better I could be managing my money.

The session touched on subjects from basic credit card formats to money markets and how to keep a high credit score. For teenagers, this is such a helpful approach because every teenager is at a different level when it comes to their prior knowledge of money management.

The second I got home, I ran to my dad to tell him how much I’ve learned in just a short hour and how I wanted to start another savings account with a higher interest rate to save for college, or my adulthood, and other similar things. This idea sprung to my head during the informational when the speaker informed us about the importance of a savings account with a high interest rate, especially if you are wanting more long-term growth. My dad, surprised as ever, was very eager and happy to look into it for me and very grateful for the informational I attended.

Young adults often have crazy busy lives and already plenty of responsibilities, but we often forget that there are so many more important things to learn. There are things to learn that are applicable to our lives right now and their importance should not be underestimated. Money management through credit, debit, and cash truly opened my eyes to a new perspective. It encouraged me to get a financial start on my life now and I highly encourage that you take that opportunity too. "

Submitted by Nina Hook. 

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Andrew Zollman will be offering his next program in our teen finance series on Thursday, September 20th in the teen room at Main Library. This session will focus on the different types of banks out there and the different types of accounts they offer. The program is for ages 13-18 but parents are welcome too if they are accompanied by a teen.