Looking through last year’s archives, I ran across two posts which are particularly relevant at this time of year to us and all other families with teachers. The posts are:

  1. Budgeting with a Teacher in the Family and
  2. Debt Repayment with a Teacher in the Family

I wrote these because many teachers and adjunct professors (Micah) don’t earn a regular salary but are instead paid during the school year. If they don’t take summer work, this has a huge impact on how they and their partners manage their finances. The posts contain my thoughts on ways to handle budgeting and debt repayment.

If you’re a teacher or seasonal worker who hasn’t yet worked out a way to manage your income, check them out. They may be less useful since this is the beginning of the off-season, but I hope they’ll prove helpful in the long run.


No Debt Plan June 13, 2009 at 9:54 am

My wife is a teacher and thankfully the school system just divides her salary by 12 months and pays it out every month. I can see how only getting paid 9 months out of the year could cause mass chaos while trying to figure out how much of each check should be deducted for the summer.

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Frugal Urbanite June 13, 2009 at 10:35 am

My parents were both teachers and like NDP’s wife, the school district offered the option of simply spreading out their salary over the 12 months.

When they didn’t have kids (and were saving for a job) they both worked full time in the summer at a factory. We also knew a lot of young teachers (22-24) who did retail or seasonal work for the first few years.

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TeacHer June 13, 2009 at 11:09 am

I’m a teacher, and luckily, I get paid over 12 months. A lot of districts pay over 9 months so that they don’t have to operate their central offices over the summer, but mine is too big for that to be feasible. Which is great! It would really be tough to budget, even though I also teach summer school.

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