SEPTEMBER BUDGET ON A TEACHER SALARY
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- Опубликовано: 9 сен 2024
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When she said that her and her husband have advanced degrees and are working professionals and they still can't afford to have a second child because of daycare...I felt that in my soul
@M Muss the problem is we are paid for contract hours. In my district, we are paid for 7:30-2:30. However, most of us arrive at 6:30-7am and work until 4pm. Not to mention, we buy our own supplies.
I took off multiple years when each of my kids was born because I couldn’t afford to work while having a baby. Then I would work just Saturday after baby was born from 18 months to 36 months then at 36 months there is just 1 year because free preschool starts at 4, and my husband can get kids after school if I drop them off so no problem after 4. Now I am 37 and just starting to get into my career!
They are paying $2000 a month for rent. That is part the problem. Credit cards and loans are the other part.
Go head girl. A strong women. Yes! I loved how you said nobody is going to change your mind about tithing. Get it!
Thank you for sharing! I appreciate hearing your story. Can I make a (non-judge mental!) suggestion? You mentioned that your fun spending is “outside your budget.” I think it’s really powerful to shift mentally to consider your fun money as a category within your budget. That personally helps me stay on track. I don’t agree with all Dave Ramsey says, but I do find great value in budgeting every dollar of my income so that I can track my spending, fun and otherwise. When I shifted my thinking that way, I was much more successful in budgeting. Also, Google sheets would be great for the spending tracker you describe (by store). It will add for you, and you can color code it, which is fun/helpful. Thanks again for sharing!
Thank you for doing finance for teachers. There's not enough of these type of videos on RUclips.
As an Elementary Education major, I appreciate you being so honest and transparent regarding this topic. 💛
I went through my own account and realized I had about 50 bucks I could save. It helped. 😊
I also cancelled cable. That saved me a ton. I'm back to regular television and Hulu and Netflix.
You’re so brave putting this out there for random jerks on the internet to comment on. I HATE when people judge how others spend their money. This was super helpful for me so I really appreciate it!!
I highly respect the fact that your family finds the funds to sponsor a child and donate to NPR. We definitely need more people like you in the world. ❤️🌏🌿
Jensen is the cutest! He can interrupt any video he wants, he instantly brightened my day. :)
I love Ingrid!!! For the same reasons.. greys! 😂
What assisted me in getting out of debt was an Excel spreadsheet. A 12-month vision helped me see the impact today’s decision-making has on the future. I don’t believe I could have accomplished that with a one-month vision (budget). Watching my future net worth rise or fall 12 months from now had a significant influence on my behavior.
You have a beautiful family!
I love these finance videos. Gosh day care costs so much...
Jensen makes me happy!! 🤣🤣
The ponytail buns are giving me life!! You're so cute! 😍😍
❤️ I appreciate that you said that the Dave Ramsey techniques were outdated. I did financial peace university. It was good. Although I only remember one technique and that was to send a check lower than what creditors want as long as you send something. You’re a tough and warm hearted person to share financial struggles as a teacher. However I feel you. Good luck on your journey. I’m thankful that I finally had good news for my parents: that I will pay off a car at the end of the month (five year loan) and pay off my second college loan debt (had it since 2001). I’m a single homeowner/ teacher. The stress is real.
Thank you for mentioning not being able to afford two kids in daycare! We’re in the same boat! We want a second baby but there is gonna have to be a larger age gap, because we just can’t swing two tuitions.
Also, I am not a Dave Ramsey purist, but he had some great principles. One is having an emergency savings of $1k. After that try to throw extra money each month at your debts. Interest on loans/credit cards will take up your payments way more than what you will earn if you have the money in savings.
Really helpful! I think I'm going to use your idea of writing expenditures. This will help us be more conscious of where our money is going. I agree... too many categories are daunting. Awesome video. Thanks for sharing 😀
Love the financial budget video! Fellow teacher here...
Good lord California expenses are outrageous compared to our the expenses we have in Oklahoma. Love your budgeting strategies and goals.
Yes, yes they are!!! We were lucky to buy a nice house for "nothing" (California standards) during the recession, and it is literally how we are able to survive in CA on 2 teacher salaries, because our mortgage is WAY less than most apartment rents.
I appreciate your openness and willingness to start conversations about this. It’s important.
Two sets of sheets is such a small change, but its a total game changer! $65 well spent. You're doing amazing! keep it up!
You are such a sweet and caring person! You still find room in your budget to support things that matter even though you have debt. God will always provide and we have to take care of each other. No shame for your family for prioritize giving. Love your channel! Jensen is the cutest!
I'm finally going to have to invest in a planner. I officially have too much to do now.
@M Muss Yes that's what I use now.
Enjoyed the video, it’s a subject that we shouldn’t make so difficult. Thank you for sharing and giving us some tips!
❤️❤️
I can’t tell you how much you are a blessing! Teachers are lucky to have you and your insights 💕
Thank you for keeping it real. Through your story I have the energy to plan and adjust in some areas of my life. The thank you runs deep 🙏🏿
$2,000 a month is a great deal. It’s hard for people not in CA to understand.
Great video! I love your realness! There is no one way of budgeting for everyone, we all have to find what works for us and what will keep us motivated to keep moving forward. 😊
I feel you on the roommate thing! I was so used to just saying I’ll get this and you get that. It was the norm for so many years! Also, love my manicures. Makes me feel good and not willing to give those up or negotiate in any way shape or form 😂
Thank you for your videos they're always so helpful to me 😊 I'm glad you talk about the reality of teaching salary budgets, but still remind us that we are in a awesome profession. Thank you for the support and motivation😊
Thank you for posting this video! So relatable to my current situation. Appreciate the transparency
Thanks for sharing! Love Grey's and Ingrid!
Hi, Megan!! I’m really glad you made this video, and I enjoyed it a lot! I’m a big proponent of being financially transparent and using positive “money-talk” with my friends, because I think that it goes a long way in building strong friendships and relationships when we can be honest about our financial struggles and realities. I so appreciate you putting all this information out there for us to connect with and think about in our own lives. I wish you and your family blessings of prosperity and joy this year!!! ❤️❤️
Love your shirt!
Thanks for sharing! I love Paula Pants personal finance podcast Afford Anything and her term of growing the gap basically the difference of what you earn and what you spend and there’s two different ways to do that spend less and earn more usually a combination of both can be really powerful. She also talks about using money for how you want to live and for what brings value to your life. It’s been really helpful in constructing a new mindset around finances.
I do use the Dave Ramsey app and I mostly keep track of my bills as they are all due on different days. Not for everyone, but seeing my "fun" money spending helps. It helps me see when I've gone over budget. Because I'm on a tight budget
Loved this video! Thank you for sharing. Please do a student loan video!!!
I love The Financial Diet!
Thanks for the video Megan. So helpful. I’m trying to get my teacher finances together. I’m so excited to be nearly debt free (December 2019). Then the money I was using to pay off debt I will use to go to grad school to get a raise and move to a better paying district. Thanks for sharing this important topic. Also I’m so happy that the comments are positive.
Iam glad you and your husband tithe. It is important to give your money to the lord. Also once you get out of debt you could be a stay at home mom for a few years and have a second baby so that way you will save money on daycare.
Megan thanks for sharing your story. We can totally relate. ❤️
Loved your honesty, the part about waiting to have another child until you can afford to pay both tuitions 😭 I chose to stay at home for 4 years because we had twins and the daycare cost for them was so much more than we could comfortably afford. Like you’ve said, there needs to be context because hearing how much working professionals make doesn’t tell you the whole story.
I have done similarly to you on my categories. I have the bills that come in every month up top, and then I have a few categories, groceries, gas, clothes, baby, entertainment, and then some months there will be doctor or dentist or hairdresser categories.
When you talked about the separate accounts it reminded me that my parents don’t even have a joint account
I use a similar method except instead of writing it in a book, I use a spreadsheet. It lets me edit on the go. Otherwise I will forget. I like the idea of saving up and then doing a bigger payoff. I put something toward debt and then inevitably something else breaks. Hubby and I have separate accounts too. It’s easier since most of these things we set up before we got married.
PS: I always watch your ads lol.
Thank you for doing this video!! I loved hearing your story and definitely took away some pointers :)
Interesting and helpful video!
I forgot to mention I nearly had a heart attack when I heard you say your gel mani’s are $70 bucks! Where I live they cost half that price. But because I’m a Cosmetology instructor they are always free! I turned looked at my husband and told him he should be grateful I don’t spend money on my mani’s Lol 😂
Have you heard of Budget Bootcamp by Jordan Page here on youtube? She has an amazing flexible budgeting and debt pay off program!
I retired from teaching in May 2018 with 26 years in Louisiana public schools. In Louisiana, public school teachers get their salary divided by 12. Now, I receive my retirement check on the 1st of the month. My health insurance and dental insurance are taken out of my paycheck. I can not substitute in Louisiana public schools until fall 2021 so I have become a substitute teacher for a charter school in order to supplement my income.
Appreciate and love you!
Thanks for posting this!
Do you get paid if we skip the ad or only if it plays through? My husband and I have a joint account just for rent. The rest of the bills get paid out of our individual bank accounts. We’ve been married 9 years & it works great for us.
Do you foresee moving when you have a second baby? Or do you guys think you can make a one bedroom apartment work with a baby and a six year old?
Why wouldn’t we watch your videos!!?? (:
My hubby and I have been married 14 years and don’t have a joint acct. you guys aren’t weird to me 😬
thank you for this video. i start teaching next year, and I'm thinking of ways I can budget my money now. My parents never really talked about that with me, it was always paycheck to paycheck.here's what i think is weird about childcare prices. I've worked i afterschool, and at daycares. tutoring centers,etc. the parents were asked to pay SO much, but the workers were paid little to nothing. why?
Do you think you and your husband will ever switch to joint account and finances? I swear by multiplying versus dividing when it comes to household finances.
I don’t have a joint account with my husband either so it didn’t sound weird to hear you say that. It’s on our “to do list”. Lol! Debt is a beast!! I have this credit card that I basically paid the minimum payment of about $700-$800/mo and with interest rates the amount owed never went down!!! Not a dent. I called the credit card company one day in desperation and they have me on this payment plan that allows them to go into my bank account on a certain day and take out $500 and I will be all paid up in a couple of years. I can’t use that card anymore but it feels so good to actually see an end in sight for that credit card and me not paying all this money every month for the rest of my life. Thanks for sharing this video.
If they forgive any debt that you owed them, you may need to pay taxes on the forgiven amount. Seek tax advice.
I'm like you! I said screw the little budgets and just have 2 groups : bills and everything else.
What is she talking about at 11:25? Tie?
I heard the same, but at 11:37, when she said "a tenth of our income", I am pretty sure she actually said "tithe".
@@grod381 I'm a member of the LDS Church and tithing (what you mentioned she said, which I do think it is what she actually said) is exactly that - 10% of your income. I don't know what church she may belong to, but the explanation of how much she pays of her income makes sense for it to be tithing
@@marisa768 Makes sense? She said tithe. You do not have to figure it out if you know what tithing is.