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I work summer school. Extremely tiring. Many teachers have their paychecks extended to include the summer months. Not sure if your district does that. You get less every paycheck, but you will have that same amount coming in over the summer.
Don’t feel bad or discouraged. Many people have and need more than one source of income. Your salary will grow with your teaching experience.
My school pays through the summer months. Get that summer job if you need the income!
I work several extra jobs throughout the school year and during the summer. Our local YMCA does a lot for kids during summer, and most schools run a summer school program. I suggest working with a range of kids outside of your normal age range so you don't get burnt out. Or even find a factory job. I work at the post office to give my brain a break. But I agree: ask your district if they offer 24 pays so you get paid during the summer as well.
My district used to pay June, July, and August all at the beginning of June. I just kept a tight budget and would set aside money for housing/food/etc.
My wife and I are both teachers, and we fins it is easier to budget if we divide our salary into 26 pay periods rather than just get paid during the school year. We also had part time summer jobs for our first couple of years. I would suggest only taking a part time job that you enjoy and want to do. It can be a struggle for the first couple of years.
My district pays us every 2 weeks and holds money from our salary all year and then gives us a final paycheck with all the money that was saved. I put it in the bank and then take out the amount I would normally get every 2 weeks. It’s like I’m getting paid all year.
I have my pay spread out to cover the summer. I prefer the consistency or knowing exactly what I get every month.
That being said, I also work as an Adjunct Professor for a local university, taking at least one class every term, including summer. It is this extra pay (comes out to about $7.5k extra every year), along with income from my writing (which is variable), that keeps my head just above water.
As for everyone's assurance that as you go and get more years under your belt your pay will increase, this is true (although after 30 years you will likely be making on 10-15k more). However, this will rarely cover the increase in insurance and other deductions which have outpaced my pay every year except one (where it miraculously broke even).
This year, for example, my state made it so that my gross pay went up $165 a month, but after the yearly screw you from insurance (more money, even less benefits) I am actually making $20 less a month than I was the previous year. I call it my annual 'lower.' And that's before taking into account 30% inflation on the price of everyday goods.
Definitely have paychecks spread out all summer. Most teachers work summer jobs. The whole false narrative some try to say about teachers making so much money gets annoying
Super normal- I work EVERY summer for a few reasons- 1) teacher pay is not enough, 2) I don't do escrow, 3) I am an idle hands type person, and 4) Even if I put money away all year it doesn't seem to be enough. I've worked with individuals with disabilities, I've worked with the curriculum department for 3 summers and last summer I worked summer school for 5 weeks, this summer I'm attempting to do summer school again- or I'll get a job at the grocery store which pays weekly.
i just try to make sure that i work for a school that pays over the summer also. we deserve time off.
Our school district gives the option of 26 pays. This means that you get a paycheck every two weeks even during the summer. And in reality the paycheck in July, which is the last one of the year is often a little bit larger than the rest of the year. If you live in a district that only pays you for the 10 months you are in school, Then I suggest you divide your yearly salary by 52 weeks and then budget for each month according to 1 12 th of your annual salary. You may not have the seniority yet, but depending on your subject, you can have opportunities for summer school. There may also be summer camps in the area. Many schools now run a credit recovery session in the summer, which may be anywhere from 2 to 6 weeks. If possible, put that money into savings or invest it.
If you have the option, have your paycheck split so that they are smaller and cover your summer months.
This works better for my family. We budget accordingly.
Does your district allow you to choose between a 12month pay plan and a 10 month? We get 26 paychecks, so we are paid throughout the summer. Here, you have to request a 10 month plan. In my second year I tried the 10 month plan by working out what I was getting weekly and I did not think to calculate taxes, so I was short during the summer. Back then I did teach summer school so that was helpful. I find the 26 paycheck per year the best. See if you can get that.
Do you not get get paid during the summer?
We have the option to spread our pay over 26 pay periods, which is super nice. Also, and I'm not saying this to be condescending, but you have to cut out a lot of "nice-to-haves". We bought a very small house, no cable, no eating out, no coffee from a coffee drive through, shopped for clothes at thrift stores, and we prioritized taking vacations, but did tent camping and had a small car that got 50 mpg. I did summer school a couple of summers because our summer school only lasts 3 weeks in June. Honestly teachers need that summer time to decompress and rest. Like another poster said--otherwise you are burned out by Christmas and that's no good for your students. :) It will get better as you move up the salary schedule. If you have student loan debt DEFINITELY sign up for the Public Service Loan Forgiveness program. It makes your monthly payment affordable and the balance of your loans get forgiven after 120 payments or sometimes sooner--there are a couple of other forgiveness programs. I know it actually works--a collegue got the email during lunch a couple of weeks ago showing her balance was forgiven!! I've got 9 more payment to go. Best of luck to you!
Teachers don’t have live in poverty. You need to work in a district where you make $$. I am on year 12 in my school and already make over $100K.
I did summer school for the first 20 years of teaching because it was worth the money.
In my district teachers are deducted money every paycheck and given to them as a one lump sum on the last day of school. It’s in their contract.
You chose that profession and knew what the compensation was
I always just had my salary spread over 12 months instead of the school year
I just retired, but for 36 years I worked pretty much EVERY after school and summer classes available! It wasn’t always fun but I was grateful for the income. My children were able to have nice summers and those extra duty hours came in handy once I retired!
Do everything you can to get the most pay from your teaching job. See if Masters or National Board will pay you more. Is there a bonus for being a teacher leader? Is there more money to teach at high poverty school? There are little jobs like giving the SAT or ACT. You could pick up a class to teach at the community college. Offer to do the duties (sports or others)for others for pay. Teach just one online course. Definitely talk to your credit union about summer cash for next year. They will take out the amount you tell them so that you have pay during the summer. Look into the Finacial Freedom Seminar to make sure you are making the most of what you have. Coaching a sport often pays but not enough to cover your expenses. Don't coach unless you love it. Continue to work/advocate for better teacher pay. But in the mean time make the most of your education. Hope this helps.
We are paid over 12 months. But we make pennies on the dollar.