Where to Spend, Where to Save

A Teacher’s Guide to Managing Your Finances

Start your teaching career with strong financial habits. This practical guide offers step-by-step strategies to manage your money, reduce debt, plan for retirement, and build savings. Actionable homework in each chapter helps you build a secure financial future right from the start.

Availability: This product will ship in September

Publication date: September 19, 2025

Format: Paperback

Overview

A teacher’s financial blueprint

Author Danny Kofke provides practical tips on budgeting, saving, and spending wisely. This practical guide walks readers through foundational steps—from structuring a working budget to planning to buy a home—to help build savings, improve credit, and knock out debt. With advice on loans, insurance, and retirement, this is the go-to guide for educators to build lasting financial success.

Beginning K–12 teachers can use this book to:

Create a working budget to facilitate comfortable living on a limited salary
Understand how their credit score impacts their finances and how they can improve their score
Develop effective savings to accomplish long- and short-term financial goals
Strategize to reduce student loan debt without compromising necessary cash flow
Plan more effectively for major future investments and significant life events