How I Survive on a Teacher's Salary
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- Опубликовано: 13 июл 2024
- This is kind of an uncomfortable topic to cover! If you also make RUclips videos I invite you to join me just to begin an honest conversation about what it's like to live on a teacher's salary. I feel very blessed to make a good salary and have a beautiful life. But it definitely took a lot of hard work to get here!
If you are a teacher and would like to participate, please answer the questions below:
1. What state (or country) do you live in?
2. How many people live in your household?
3. Are you a single or double income household?
4. Do you own or rent?
5. What is your highest level of education? Does you education level affect your pay?
6. How much did it cost you to attain your degree(s)? Are you still paying for your education?
7. How is your salary schedule structured (starting point, max out salary, annual increases, etc.)
8. Where are you on your district's salary schedule?
9. Do you supplement your income in any way? If so, how?
10. How much money does your district give your for supplies at the beginning of the year? Do they provide basic supplies throughout the school year?
11. Do you have additional deductions taken from your paycheck?
12.Do you feel like your current salary is enough for you to make ends meet?
13. How many months a year do you receive a paycheck?
14. In general, what are your major monthly expenses?
15. Are there any financial goals that you are still working towards?
16. What is the biggest piece of financial advice you would offer someone considering teaching?
Let’s Connect!
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Хобби
And yet...I _still_ want to be a teacher.
This is one of my greatest pain!
It’s a calling
yeah and you should be raise the future of your country wherever it is .. im a teacher too in the Philippines maybe its my calling in the service of the learners.... lets do this worldwide..
Riky jean what why?!
Blanca Webb I want to live decently not struggling ...loll
i love that you mentioned that it took you 7 years to get your degree. i think it’s very rare people can get their degree within 4 years unless their parents are paying for it and they dedicate all their time to their studies
I barely did it!!!
How I did it.
I worked 2-3 jobs.
Both B.A. DEGREE and M.A. DEGREE
@@hrhtreeoflife4815 u should make a video!
It's so true. God provides as we are faithful to Him with our tithe. Glad you've seen that first hand.
But if you are working a full time job you shouldn't have to work a second job.
Agreed, but that’s the reality for most of us. I only stopped working two jobs when I had kids - they zap all my extra time.
True, but sadly that's not reality. Especially since she lives in an expensive place, and went to an expensive school.
@Weazel Try working seventy or more hours per week with no overtime pay, and no comp time. Add to that dealing with a stressful work environment (as many teachers do), managing children who are disruptive, and receiving pay and benefits that may not be as nice as in California. Someone should do a nationwide poll asking teachers "Would you like to be paid for each hour you work?" That would be revealing. While there are many benefits of teaching, including the opportunity to teach children who are interested in learning, without the time off the burn out rate would likely be through the roof. If someone feels called to teach, they will probably adapt to the job they find, and they may even say they love it. It is true that there are teaching positions that have unique advantages, and could be described as a sweet deal, but most positions are not so sweet.
@@misterlyle. I am sure that you are already paid for each hour that you work. What is the standard salary?
@@Michelle-pn9xt The contract specifies 7.5 hours per work day, for an average annual salary of about forty-thousand dollars in this county. If you take some of the unfinished work home every day, you are working off the clock. Many teachers feel compelled to do this, since there isn't enough time in the workday to do everything (even for teachers who are very organized). It is part of the culture of education. They do this because they are working for their students, and want them to have the best possible school experience. In addition to this, certain tasks must be completed in order to maintain certification as a teacher. Most of that time for a first year teacher is unpaid as well, and teachers are not typically reimbursed for fees they pay to the state. Among government professionals, as far as I am aware only teachers are required to operate this way. Other government employees are paid for every hour they spend at work or in training.
I’m a NC teacher and the pay here is awful 🤦🏿♀️ I want to go back to school to get my masters but NC doesn’t even recognize that anymore so I wouldn’t get any supplemental pay. I love my job SO much but I wish people understood how hard it really can be! I love this video and glad that teachers are speaking out and shedding light on this topic!
Hmm it probably depends on where you are in NC? I’m in Durham and get paid more for having a master’s.
All jobs are hard. Nobody is thanked for coming to work at any job.
@@Michelle-pn9xt you have clearly missed the point here miss, nobody wants to get thanked, people want to get recognized and payed fairly
Being a teacher is such a thankless job. I can't believe you went through all of that financially, emotionally, and time wise to get the credentials needed to educate our children. I exactly feel you with the comparison of our profession with doctors and lawyers. I pray that in the near future teachers are rewarded for all of the sacrifices we make.
I look forward to seeing you and your husband do your debt free scream one day! 💸💰🙌🏾
A teacher's job is not comparable to the job of a doctor. Some doctors save lives and perform intricate surgeries. Doctors also attend school for a longer period of time.
Michelle I see what you are saying, but a surgeon and a doctor are not interchangeable
Weazel You are a worthless piece of shit.
@@keanna2880 You have a problem with my comment, yet did not respond to the person who compared teachers to doctors and lawyers??? I know what a surgeon is. There are many types of doctors. Some of them saves the lives of people and animals. Some of them look at your skin or your bones, and some do other things. If you need information a various types of doctors, please do a google search!
@@Michelle-pn9xt It’s a different type of sacrifice. Without teachers… no doctors or lawyers… just saying.
THANK YOU!
I have been working on my masters in Special Ed, while working as an assistant teacher for a few years.
I just applied for my first teaching job at my school which I believe I will get.
I am excited to start my career and also terrified of the responsibilities and I have anxiety about finances a lot as well.
I am a Christian, so I also tithe. I have seen how God provides for me and my wife.
It can be so hard to remember that God will provide what I need in times of trouble like he has before.
Thank you for that reminder.
And thank you for sharing your experiences and tips for becoming a teacher.
Your video has soothed my mind as an up and coming teacher despite the troubles I may face in the process.
I did not realize how long it takes and how difficult it is to become a teacher in California. I will never complain about how long it took me to get my out of state credential approved!!
Hi Megan, thanks for always being real. I left teaching after multiple temporary contracts w/o benefits and after 5 full contractual yrs (11 total yrs). Being pregnant back to back, my district did not advance my yrs or salary which is so difficult when trying to advance on the scale-so glad you brought this up. I got a non-teaching job coaching this past year in an athletic facility and the difference it has made with having my life back and time to focus on family is day and night. Keep up the vids-I love them.
Thanks for sharing your story Megan! So many times people don't realize just how real life is for teachers along with their financial sacrifices. 👍🏽
I love how transparent you are! As a future teacher, thank you!!
Thank you for making this video. Very informative and REAL. We appreciate you! Love from GA.
Loved this video! I was lucky enough to live at home rent free and finish my credential. I am going into my 1st year of teaching and am still able to live at home which I am so happy about. My parents didn’t pay for my college but they let me live at home rent free! And I am so thankful for that!
Breanna Thompson Wow! That’s so nice of them!! And good luck on your first year of teaching 🤗✨
Breanna Thompson I‘m in the same boat! I just finished my first year and still at home, but I am looking to move out this summer.
Thank you for making this video and being so honest! I keep contemplating whether or not to teach for one year and immediately start my masters after or teach for two years and then get my masters in order to save some more money and not need to take out as many loans. I’ve been a little stubborn about it because I just want that masters as soon as possible but it doesn’t seem very financially responsible of me to rush it. Thank you for your perspective again :)
I’m really enjoying these salary videos. I like how you expanded and calculated expenses in yours. God takes care of His children. Can’t wait for the next video
Wow.. this really opened my eyes, it’s crazy to me how teachers who are the foundation get paid so little! Y’all are everything wrapped up in one! Your heart truly has to be in it. Thank you for what you do! 🌟💛
Thank you so much for sharing this...I love all your videos...I am currently in college finishing up my degree in Early Childhood management...I live in Florida...Jacksonville...so our cost of living is less...I appreciate your frankness and your vulnerability...blessings to you and your family..thank you for your courage in sharing this
Thank you for sharing and putting things in perspective! 👍🏼 Will be teaching in a year and a half.
100% agree about the unexpected blessings when you tithe! God always provides! 🙌🏼
That was very touching and extremely inspirational. Going through similar problems here in Florida, hopefully one day people will understand that teachers deserve better because we work sooo hard for the benefit of others
Just so happy that you explained the loans like you did. Thanks for your transparency! I absolutely love this video. Just so honest.
Thank you so much for being candid. This is what I try to explain to people all the time!
This was such an honest video and as a teacher I can totally relate! Praying for you and for the profession as a whole!
I’m not a teacher but I have so much respect for all of y’all! I still have student loans, and had to do it for similar reasons. Thank you for being transparent and know that you have plenty of non-teachers that believe you all need to get paid WAY more for all that you do! ❤️
Thank you for being so transparent and encouraging. Adding in you’re faith and the fact that you tithe... ❤️
Thanks for this! Two kids here, just getting my first social studies job, have a near Master's in history, undergrad in history, and now completing my MS in education! There with ya on loans! Christian as well and my husband's name is Derek too! I am loving your videos and deeply appreciate your transparency. I do not regret all my grad level history courses and experience as it has greatly enriched my ability to distill a lot of history, dig more deeply into sources I have previously scoured, and critically analyze complex topics. Hopefully you can just get some of those loans forgiven after so many years as I feel education is way overpriced considering the cost of living and raising a family. We have made a LOT just buying our homes and fixing them up (did that in CO before moving to TN and made a lot off of that sale that we could pay toward loans). I am also a nurse so that helped a lot though it was not easy at all working in a stressful field, raising a family, and excelling in school (mostly part-time for a very long time like you). Ultimately, I am a big history lover like you and I am glad you are ultimately doing what you love because it makes a huge difference in your quality of life.
God bless your family. I am going to school to become a teacher and want to thank you for all the great information you have shared. When we let God be in control of our entire life, Mighty things happen in our life.
This makes me feel so lucky that my parents saved enough for me early on so I can get through school. Not the best schools, but something that will get me somewhere with minimal debt.
You are not alone with the college / student loan journey, right there with ya! Thanks for sharing all the info you do!
I love you so much for your transparency! Thank you so much for this video, it's so insightful. I always operate on the 'money comes money goes' mindset, but like you I'm learning❤️🙏🏽
Thank you for transparency ! I am so glad you have put this out in the universe. I am a teacher in TX and I often cry about how we are at bondage with student loan debt. I am a single mom. I also BELEIVE that God is my comfort and my provider. Thank you for HONEST VIDEO!!
Have you checked out Dave Ramsey's baby steps? It has made the biggest difference in our lives!
You’re a beautiful person! So brave to put this out there. I’m a public school teacher in nyc, I just finished my 5th yr too and is making around the same
Thank you for being open. I really needed this again thank you.
Thanks for sharing, Megan! I'll be uploading mine tomorrow. 👍😊
Thank you for this video and for your transparency! The advice is sure to help others considering careers in teaching. 💗🙌🏼
just discovered your channel. I'm a teacher in Texas, I'm so happy to discover your channel
That was for informative!!! It's so great to hear perspective from a fellow teacher and tither!!
I just got my first teaching job in Arizona! I was actually surprised at how high my salary was going to be, I don't even have a teaching certificate yet. I'm part of a masters program where I earn my masters and my certificate while I teach. Coming from ballet though any thing more than 400 per week is baffling haha
This is incredible. I'm not a teacher, and it was eye-opening to learn what hoops many of you have to jump through. Props to you and your husband for seeking second income streams.
I love that you were so transparent and honest in this video about the struggle of teaching. I am in NC, finishing my 3rd year of lateral entry (an alternative route to licensure) teaching and I can relate to ALL that you shared in reference to the cost to become a teacher. It has been so expensive... and I still have one more class and the Pearson test to complete by June 2019. Your video was encouraging because my friends and family always make comments about moving to another state... this is confirmation that it doesn't matter where you go...the struggle is real. I will be going for a Masters on Administration or leadership next year... I work so many side jobs and I am a single mom. It's too much, but God is definitely in control. Thank you for sharing. New subscriber
Same in Chicago, IL. Thanks for your open-ness! People just don't realize.
Hi Megan!!!!! WOW!!!! This is definitely my favorite video by you! Thank you for talking about a personal subject, 'how much we make' as teachers, or simply what our salary is can be hard to share with people. I appreciate that you were able to open up with us about your student loans, and how hard you worked to become a teacher. I am originally from AZ (born and raised) I live in WA now. Anyway, my teaching career started in AZ, and my story is SO SIMILAR to yours, OMG....I thought I was the only one. I started in community college, then transferred to ASU to receive my bachelors (that took 4 years) all paid for with student loans. A year later I started a fast track to program through University of Phoenix to receive my masters in 15 months - lets just say that was beyond expensive!!!!!!!!!!!!!!!!! Another year later I started my doctorate through University of Phoenix online.....and received 68 doctoral credits, however I didn't complete my dissertation because I completely ran out of financial aid, can you believe it, I hit the limit. I am in over 100,000 in debt, with no doctorate to show for it :-(
I just completed my 11th year of teaching elementary school. My salary is very similar to yours, a little over 70,000 yearly. However, my insurance is incredibly high, and the cost of living is extremely high in WA. It doesn't sound as high as it is in CA though. Our rent for a 3 bedroom townhome is 1,475.00 monthly. We are a 2 income family. We have three kids, our oldest recently moved out, he is 19. In the end I am thankful to be a teacher, and what a job it is
Thanks for doing this tag, Megan! It was a pleasure doing this on my channel too. As we have a national system, we are all paid the same, regardless of our degrees. I'm really impressed about your 7 years studying. This part was easy for me as studying is cheaper in France. I hope I got the figures right in my video and that it's understandable for a non French viewer.
I absolutely loved watching your video and listening to your answers to the questions. I have to say that I have been guilty of using student loans as well to help me. Just thinking about it repaying all of them gives me anxiety. I completely agree that we teachers spend so much money and time into preparing to be teachers and the compensation we get does not reflect all the time and effort we have put in. I do have faith that God will provide. I am in the same boat when it comes to managing my finances. I want to get better and you are so right. Talking about money is not easy but just like you said, we have to be willing to talk about the difficult subjects so that we do not stay in bondage. Beautifully said! Thank you again and I hope you’re enjoying your summer. Big hugs to Jensen!
"If only I could go back in time and slap myself." Oh, Gurrrrl! PREACH!!! SO many times I have thought this!!! The young and foolish things we've done. The future seemed SOOOO far away back then, didn't it?
I'm right there with you on the student loan debt. My daughter is a Sr. this year and may be going to college the following year. We're still paying on my loans. 5 years of University and 18 month Master's program. Eep!
Oh my goodness! When you said the cost of living was high there, you weren't kidding! Holy Cow! Our mortgage is less than your rent. You're right, though, God DOES provide! Faith moves mountains!
I'm going to do this tag next week when I'm human again. Finally got my new classroom set up and now it's "Peace Out" to school and "HELLO" to SUMMER! Whoo hoo!!!!
I love learning about others' experiences! This was a GREAT idea! Thank you for sharing this opportunity with all of us!
Love and hugs!
GlitterandJams “When I’m human again” 😂😂 you are too funny!
too cool for middle school LOL! Thanks! ❤️❤️❤️ and hugs!!! Give Jensen a squeeze from me! 😘
Wow, our stories are so different. I teach in Ky... we can teach with a bachelor's but have 5 years to obtain a master's. It took me 4 years to get my BA but only a year and half to graduate with my masters in literacy specialist. Our wages are low but I own a 4,000 square foot home for a 150k. My total college debt is about 13k.. where I work in a rural area, my loan will be forgiven after 5 years!
I think you make more in California because everything is expensive in California.
I’m in KY too. And I want to become a teacher. Is there any way I can reach out to you to talk about teaching in KY?
Thank you so much for this video. I appreciate your transparency and honesty. I agree that we all should be a part of this conversation and share more information so that the system can’t take advantage and things can change for the better.
I feel like the tuiton fees in the USA are just crazy. This is sad. You should all move to 🇨🇦😉 . I’m a teacher as well in Montreal, Canada. I don’t think I have the best salary (~50000 a year) but I own a house, I have 5000$ left in school dept (have been teaching for 5 years) and have enough money for everything and vacation trips every year. I heard you and was almost thinking you were from a third world country... 😩. Dont you think it’s a huge society problem?. Best of luck 💕 (sorry if I made any mistakes, I speak and teach french).
Do you know how much english teachers make?
@Bsmithlifedaily But it pays off, because many public services are available for a low cost or at no cost. I live next door in Ontario, and although so much of my salary goes to tax, employment insurance and union dues, I don't regret it as I remind myself of all the benefits.
However, Chloé is probably talking in Canadian dollars. I am not sure about Quebec but in Ontario, teachers start around 50 k CAD and max out at 100 k CAD. We have great benefits and an excellent pension plan. Unfortunately, the cost of living in my region is very high (1800 + / month for a 1 bd condo), and I am still a new teacher. But I'm still making ends meet and I suppose if I lived in another city, I could save more.
@Bsmithlifedaily Yes it is worth more. That is my point. It may seem like we make more in Canada but may not always be the case. Teachers all over Ontario make roughly the same though, even though cost of living varies greatly
What do you teach?
I really appreciate your honesty in this video. Thanks for making this!!
As a high school English teacher its really hard hearing other ppl asking why I still rent. But you get me! I loved this video and your honesty is wonderful! Thank you for inspiring me to keep trying harder at my craft and to put more faith in the Lord. Love you to pieces!
I am so encouraged by your honesty about tithing, bondage and God's care for you. Thank you!
I just wanted to let you know how your video has touched me. I literally was searching for information about prorated salaries for teachers. Even though your video didn’t mention that in the title, I was drawn to it. I am also a Christian and I have been struggling with feeling as if I am not where I need to be in life (career wise). Our stories are similar. I graduated with my bachelors and now have my masters and it has been really challenging to find a job in this climate. So I turned to God asking him how am I going to make it through without a job. With all the student loans and credit card debt I felt defeated. I have been praying and I know that God always shows up for me. But when you said it in your video I just felt like God used you to reassure me in a time when I really needed it. So thank you for sharing your story with us. Btw, I Gad to pause your video to let you know lol.
Thanks for sharing your story with us!!! Such great insight to see what life is like on the other side of the world.
Such an insightful video. I wish more people understood how mentally and emotionally draining teaching can be. There have been days when I got home by 4:30pm, but I couldn’t get anything useful done because I had nothing left. Now that it’s summer, I’m again realizing how much energy I can have in a day
That was very brave of you to discuss the financial element and hardship of your life. Thank you very much for sharing your story. A piece of your story or something you said could have such a profound impact on someone's life. A few things I can relate to. Once I become a teacher, I would love to do vlogs and share things about my life as well. Once again, thank you for this video.
Thanks for sharing. This is such a needed conversation and the part of what people hear or see teacher's salary to be, and it is reasonable, but not knowing about all the things that go into getting the credentials and yearly cost compared to the payout. Thanks for your vulnerability and sharing!!
Thank you so much for sharing your knowledge and experience!
I'm so glad to hear that you tithe even though it's tough with your income. :)
Nina Thomas how can you not?
oh, plenty don't! Not saying that's right but it happens.
Such a great video!!! Love you and your channel. The collaboration is great especially since in SoCal, the districts and counties matter. La county being different from San Bernardino or riverside county
Thank you for sharing...I am trying to decide if this is a path I want to take and you have been so helpful.
I just want to thank you for all of your videos. I want to teach middle school (most want high school but I know I want middle) and I know in my area middle school teachers are paid less than high school teachers. So I know I have to think ahead, start saving, and be really smart about where I teach!
All of your videos are awesome and I’m so grateful to have this resource to refer back to. I’m in my junior year of college and I will student teach for one semester. Fieldwork has been amazing and I can’t wait to be teaching every day!!
Wow amen I really needed that word you are 100% right God is our provider and always makes a way 100% 💙
I teach in SoCal too, my district pays similarly. I was fortunate enough not to accumulate any debt. I qualified for grants and scholarships during my undergrad. What really saved me from accumulating crazy debt for my masters and credential was teaching for an archdiocese school. Some Catholic schools just required teachers to be in the process of working towards a credential. When I taught for the archdiocese they offered a program in which if you attended one of the local catholic universities you had 90% of your grad school education paid for- ( a 3 year credential and masters program) which was amazing! The pay at a private school was a lot less than the income I earn as a public school teacher but worth it in my opinion. For my sped credential I earned that through my district as part of a district intern program. I was able to teach in a special education setting while earning my sped credential and then clear my general ed and sped credential for free. My district offers district intern programs for areas that are high in need (sped, math and science). Anyway, this long winded comment was just to share with any aspiring teachers in case they were interested and wanted to look into different options to earn their credentials.
jazzo0182 what is sped?
Sheeza Ali special education
What district was this in?
Sorry, and how long ago?
@@heatherjoaquinflores5032 los Angeles unified school district. I know that they are from that school district, because I'm in that same school district and did that same special ed intern program for free. Once one gets done with that intern program, you are able to clear all of your credentials in 2 years for free. LAUSD is the only school district with that type of free credentials program.
This video came at the exact right time for me. I have one more year of my master's program in special education and the stress about my student loans is too real! Thank you for discussing this topic!
Same! I found Dave Ramsey in February and graduated in May with my Masters, and I paid my last student loan debt the day my first payment was due. Getting them paid off is a SLOG but so worth it!
🦋✨ Wow. Thank you for being so vulnerable and transparent about this video! This was extremely intriguing, informative, and knowledgeable.
I just posted my video answering these questions! I'm so glad that you are bringing awareness to this topic.
This video is so important and needs to be shared!!!
Over the years here in NSW, we have been on strike so many times. We have sustained pay increases and retained certain working conditions in doing so. Wow !!! It was so interesting and humbling to hear your responses to these questions. You have worked so hard to become a teacher and this is admirable. I pray that God continues to bless you and provide for your family. You are doing such a wonderful service to your community in being an educator and I hope that you are able to get ahead financially as you are so deserving of this. Thanks for making this video and for inviting us to join in with our own answers as it is so interesting tp hear arm other educators around the US and other countries too. x PS Just curious - does the government subsidise your childcare fees at all? They do here and even though the fees are astronomical it does help families cope. PPS I love your point about having mental/emotional energy left to do other things. Interestingly, my husband is also a PE teacher (PDHPE - personal development, health and physical education - it's called here) and he has NO WHERE the amount of marking (grading) and lesson prep that I have as an English teacher.
Kafoople Land Thank you EJ! Unfortunately there is no government subsidized childcare and it costs almost as much as our rent each month! 🤦🏻♀️ My husband always talks about how well-respected PE teachers are in Australia and how we should move there! 🤗
You have a new sub. This was such an informative video especially for an aspiring teacher like me. I am about to go into my senior year of college with about 6k of debt. I hope to be teaching in New York City where the CoL is high as well but I know I’ll make ends meet. Thanks for sharing your story!! :)
Oh my... I live in northern Alberta Canada and I’m a teacher as well. This video makes me realize even more how lucky I am here compared to other locations in the world, or even just Northern America. But we don’t have as much lovely weather as you do :)
Wow! I am in the same boat financially with school debt...I will be entering a teacher program this fall. Thanks so so much for this real life story!
Hi there! Like you did, I am putting myself through school and I currently live in souther CA (and you obviously know the expenses). No one in my family has went to college and I really do not have any friends who are professional teachers. Basically, I am figuring this out on the fly lol... I want to thank you for making this video! I am always so worried about my debt and the idea of not making a lot of money as a teacher, but your video has made me feel A LOT better! I am currently on my last year before finishing my undergraduate program, and I plan on getting my teaching credential in social science. Hopefully this all works out and thank you again!!!!
Wow this was eye-opening. I teach in a small Christian school and make about one fourth of what you make. I love what I do (as I think most teachers do) and I feel good that I (we teachers) can make a difference. Thank you for sharing.
Teakat arent they usually really low budget? my bf went to a Christian school 4 days a week and only a handful of teachers worked there
Cassidy Armstrong yes low budget. We don’t have the bells and whistles that a public school does but we get the job done. The best thing is low student teacher ratio.
Thank you for making this video!!! I am a teacher in CA also and I always get the comments from people saying “teachers don’t get paid well, right?” It is such a misconception about our pay!! I teach at a high paying district in my area and both my husband and I do very well. I also get so many comments about how much fun we have during the summer and people do not realize we work during our summers as well! I realize teachers in other states do not make very much, but it totally depends on where you live. Great video!!
This is so helpful! I'll make my own video this week
Thank you for a great and honest video! I really appreciated the part about your faith and God’s provision at times when your bank account was low. I have been in the same place! My education story is very similar to yours as well. I had about 45,000 in student loan debt and actually paid it off during the process of refinancing our home. So, still paying it off essentially. I am also like your husband in that I need to go back to school and get my masters. I teach in Bakersfield, Ca. btw. Thanks again for sharing this! 😊
I SOOO thank you for sharing your story. We have very similar stories... except I was a single mom wanting to pursue my dream. Needless to say I now have $80K in debt... your story gave me comfort in knowing I'm not alone so thank you!!!
I'm at teacher in nyc. I'm on a payment plan for student loans but its only a few thousand dollars. and once i work 5 years, the loans are dissolved. lol. I'm really hoping i make it lol. starting year 3 next month
tehilara
U should went to CUNY school cause are cheap plus could apply tap which give u 5k
What loans are you using?
This video is so reassuring. I am a college student and I’m choosing to stay at home and drive to go to school. a lot of my friend went away to school while I’m going to community college. If you have the chance go to community college save money and live with your parents. I am so happy that I am in my 2nd year about to transfer to a 4-year and I have no debt.
Thank you for sharing. My husband and I are also teachers. I’m originally from Southern California and my parents still live there. I would love to move back.
You little boy is so adorable and tes thank you for sharing very helpful for those persuing a teaching career. Your a very strong women one to look up to. God bless you
Thank you so much for this video; and thank you for your honesty.
Thank you for your transparency!
I totally get you, I just got my credential here in CA (single subject social science) and when I tell ppl all the schooling and tests and hoops I had to jump through to get it, it blows their mind. Goodness!
the moment you said getting money for youtube automatic "like" haha. Jensen is sooo cute
Thanks for making this video!!!! As a teacher in the midwest, I had no idea it was so involved in Cali to get your license, PLUS cost of living (which is a bummer!). I can relate though, I taught in Florida for 3 years, and it has a similarly high cost of living. You're totally right - - the majority of people having this conversation and making the decisions about how much teachers make are NOT educators themselves, which is frustrating. I just love all your videos - keep them coming!!!
Ooh, where in the midwest are you? I lived in NE for 39 years, taught for 10 there, and maxed out (with a Master's Degree) in the low $50K range. Now I'm in CO. Much more expensive in terms of cost of living (especially housing), but my district structures pay VERY differently, and I'm at the higher end of $50K.
I'm in Indy, but it's right there in the 50s-60 range that you max out. It's a bit of a bummer.
Listening to your story completely resonates with me. I'm in a very similar situation. I'm also in all the programs - one being the Public Service Loan Forgiveness Program. I don't know if it will pan out, but I keep paying working on it. Good luck! You do such great work and I'm always inspired by your teaching tips.
Thank you so much for making this video - it resonated with me so much. I paid for my own school but got very lucky with scholarships, loans and assistantships during school. I highly recommend being a graduate assistant while getting a masters degree- it covered my tuition and gave me a stipend to live on. I am still learning to be financially stable - I live in northern VA where cost of living is insanely high but I make a decent salary. We all need to talk about this more and help each other out!
I’m glad to see someone else took “forever” to get a BA... I’m done next spring lol. Your story is 100% like mine, but add on a little one. The biggest lesson I can think to tell people is once your gen eds are done, if you don’t have a major take a break. I’m in Illinois (central... not northern) and I’ve already clocked out a lot of loan debt. It ads up fast.
Oh, I totally relate. My husband and I were both left to pay for college on our own and we live in Southern California. I’ve invested 8 years in my education, he invested 11 in his (I’m a teacher and he is an associate pastor - we are tithers too). We pay over $1,000 a month in student loans 🤦🏽♀️ We LOVE living in Southern California and don’t see ourselves ever moving, but our dream of buying a home seems to be slipping away. I wish teachers were viewed as professionals on the same level as doctors and lawyers. We could really use the income. Thanks for sharing your story!
Love your video thank you for sharing and being so honest.
I’m in Northern CA and have 1 semester left of my credential in social science. I’m so worried that i won’t be able to find a job once the time comes. I plan on getting my masters but want to wait until after induction. This was super helpful information, thank you for taking the time to make this video!
Loved this video! It was super helpful as I am considering a career change to become a teacher!
Thank you for your videos! You are very helpful:) your son is so cute too😊thanks,
Jen
This video is my life! Central CA teacher here and sometimes I feel overwhelmed with my reality. It's nice to hear someone with so much positivity and love look at the brighter side of student loan debt, bills, day care etc.
I don't make videos, but I love to answer the questions! :)
1. I live in Belgium, in Flanders, in Ghent.
2. It's me and my boyfriend who officially live together.
3. We both have a full income.
4. We rent an appartment for now (628 euros), but in December we're going to move to a bought townhouse. Our loan will be 1,263.56 euros per month, for 18 years.
5. My highest level of education is a Master's degree. It affects my pay. I get 3127.85 euros bruto per month (high taxes in Belgium, so that's 1,996.63 euros netto), whereas a Bachelor gets 2,498.20 euros bruto per month. A PhD doesn't affect the pay.
6. School is free until you're 18 years old. University was 889 euros per year. I studied for 5 years. So it cost €4,445 in total. My parents paid for everything, so I don't have any debts. (Now university costs 922.30 euros per year.) In those 5 years, housing was €13,680 in total.
7. 3029,77 euros bruto is the starting point of my salary. You only can step up on the salary scale when you're over 24 years old. For the first 3 years you get 100 euros extra every year. After that, it depends a little. The highest is €5342,70 bruto per month. You get there after 25 years.
8. It's my third year as a teacher so I'm still at the start of my salary schedule.
9. I don't supplement my income.
10. We don't get any supplies. We buy our own books and stationary.
11. Apart from taxes, we don't have additional deductions taken from our paycheck. Healthcare is very good in Belgium, so that's part of our taxes.
12. My current salary is definitely enough to make ends meet.
13. I get 12 paychecks a year + €1,441.13 netto holiday bonus per year + €723.12 netto end of year bonus. We have a lot of holidays: 2 months of summer holiday + 6 weeks of other holidays throughout the year + bank holidays.
14. Rents and grocery shopping are the major monthly expenses.
15. There aren't any financial goals that were are working towards.
16. The first three years, you don't have a permanent contract, so you're not certain of a fixed income. You have to consider that if you want to have children or buy a house. After three years of teaching in the same region, you're certain of a permanent contract, so then you're financially stable.
Your Taxes are really high
Thanks for sharing. I hope your RUclips business grows. I'll share your video. God bless your family.
Megan you kept it very real✌
Love it!
I agree that people think money is a tricky subject and yet it's so important and should be discussed more often. I'm also not great with money but i'm on a journey of my own! I get paid a lot more working in Hong Kong as a teacher than I did in the UK and sometimes I forget that if I ever move home my wage will be "lowered" again. Thanks for sharing this insight!
So pleased you have this RUclips site as it will give you a nice side income. But hells bells, you guys certainly go through a lot to get certified and the money wow! You probably do earn more than New Zealand teachers, but overall our cost of living isn't as high as California (apart from Auckland). Good luck with your journey.