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In Response to WELCOME TO OUR FINANCE GROUP & Q&A ABOUT THE WEBSITE & GROUP by ASTRAEA
I also want to add that when we discussed "money," and I offered any information that wasn't necessarily in their texts, I told them that my information came from learning from my mostly frugal family and from my own experiences, good and bad...and I didn't want any of them repeating my mistakes.
I just wish I'd known a LOT more to have protected myself along the way...and had the money to do everything I already knew were the best things to be doing. I was a single parent rearing and college-educating two children of my own, so there never was any extra money at our house for anything. For many years I worked a second job to help make ends just barely meet.
Teachers do NOT earn extra money, believe me, especially not in public school systems which now are even more strapped for cash than ever before. To add to that, for those of you who many not know, teachers do NOT get paid vacations or paid anything except for the actual days spent in a classroom or system-required time, generally 190 days a year, max., and now many systems are cutting days and furloughing their personnel which is cutting into their paychecks. Your "yearly" salary for those 190 days is divided into 12 increments so you do get a paycheck each month, but you have earned it all by the last work day of a school year...and the rest held out is paid over the summer. No paid vacations, no over time (and teachers spend many hours of their own unpaid time grading papers, making tests, writing lesson plans, and more), and since teachers have to renew their teaching certifications and licenses every 5 years with taking college classes (generally) they themselves have to pay for and on their own "free" time, teaching is a profession that does not pay all that well.
Worse, education generally seems to be getting more and more top-heavy with administrators and extra coaches of all sorts and kinds with higher salaries and/or supplements who absorb moneys classroom teachers need and would gladly use for their students. Example, current textbooks are often a thing of the past in many systems until what they have literally fall apart. Class sets of books have become more and more the norm...no books to take home for kids to use for studying. Also, FWIW, teachers spend an average of $500 a YEAR of their own money for classroom supplies...this has been on the news recently from a study/survey that was done. We also have taken lightly used clothing from our children's and our own closets for needy students.
Folks outside the "ed-biz" just do not realize that teaching is no gravy train with over-paid teachers with all sorts of paid time off. NOT SO!