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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.
Benefits
- 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
TABLE OF CONTENTS
Chapter 1: Budget on a Teacher’s Salary
Chapter 2: Save More in the Short and Long Term
Chapter 3: Spend Less
Chapter 4: Protect What Matters
Chapter 5: Understand Your Credit Score
Chapter 6: Eliminate Your Debt
Chapter 7: Understand How to Buy a House and Manage a Mortgage
Chapter 8: Plan Your Legacy
Conclusion: What Really Matters
PRINTABLE REPRODUCIBLES
Chapter 1: Budget on a Teacher’s Salary
Chapter 2: Save More in the Short and Long Term
Chapter 3: Spend Less
Chapter 4: Protect What Matters
Chapter 5: Understand Your Credit Score
Chapter 6: Eliminate Your Debt
Chapter 7: Understand How to Buy a House and Manage a Mortgage
Chapter 8: Plan Your Legacy
SUGGESTED RESOURCES
BOOKS
- Conzemius, A. E., & O’Neill, J. (2014). The handbook for SMART school teams: Revitalizing best practices for collaboration (2nd ed.). Solution Tree Press.
WEBSITES
Chapter 2
- Consumer Financial Protection Bureau, Planning Your Social Security Claiming Age
- Social Security Administration, Social Security Statement
Chapter 3
Chapter 5
Chapter 6
- Federal Student Aid
- Teacher Cancellation Low Income Directory
- Public Service Loan Forgiveness (PSLF) Help Tool
Chapter 8
