| As an educator myself I would definitely affirm | | | | expenses. It would be better to allocate your |
| that me and my colleagues have low teacher | | | | salary to the top priorities like bills and loans to |
| salaries. If we would consider our salary given the | | | | pay. Of course, no one would like to have |
| number of years worked in an educational | | | | recurring interests to pay over and over again; so |
| institution and compared to the ones working in | | | | allot a big portion to loan payment. Paying your |
| multinational companies and the like, the disparity | | | | debts beforehand will definitely boost your financial |
| is indeed great. Despite this really poor pay and | | | | standing. |
| compensation, still we are here standing firm on a | | | | Solution #3: Discipline. This is the most important |
| profession we definitely look up to. | | | | value that any teacher must inculcate within them. |
| If you are an educator complaining about your | | | | Since we know that we have quite a low salary, |
| salary, and yet you still want to be a teacher, | | | | it is necessary to regulate our finances. Once you |
| there are rooms for remedies. Yes, every | | | | are done allocating your pay to your top priorities, |
| problem always has a solution or two. The main | | | | whatever is left must be saved. As much as |
| concern we have here is how to manage low | | | | possible, keep from buying things that are |
| teacher salaries. Let me pinpoint long term | | | | unnecessary. If you happen to be a compulsive |
| solutions that can provide you with a sense of | | | | buyer, stay away from malls. Keep your credit |
| financial stability in the future. | | | | cards away from you for you might be tempted |
| Solution #1: Set priorities. It is important to know | | | | to use them and end up with another debt on |
| which expenses are deemed necessary on your | | | | your end. Sacrificing a little goes a long way. Try |
| end. For starters, make a list of the things you | | | | to do these procedures over and over again. |
| normally spend on. You might also need to indicate | | | | There is actually no need for any teacher to quit |
| the bills you need to pay for the month. To name | | | | teaching and find another job so as to |
| a few, we have credit cards, water, electricity, | | | | compensate for daily expenses. Regardless of |
| rent and loans. Write also the areas where you | | | | your profession, if you don't know how to |
| also spend your salary like food, recreation and | | | | manage your pay, you will really consider your |
| the like. Then, in accordance with your list, indicate | | | | salary as not being sufficient. The best way to |
| numbers beside it following what must be paid | | | | overcome low teacher salaries is to practice the |
| within the month. You can indicate number one as | | | | long term solutions presented. However, if you |
| the top priority followed by two and so on. | | | | know that holding back from a shopping spree |
| Solution #2: Budget wisely. Upon setting your | | | | and saving money are not your strength, then |
| priorities, it is now time to set your budget. As | | | | consider doing something for extra income. It can |
| much as possible it would be preferable to also | | | | save you from debt! |
| write how much you really spend on each of your | | | | |