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I've posted something along the lines of this before, but I want a good plan. Feel free to post articles, blogs, or any other kind of information that you think may help me with my current financial issues.
Currently, I work as a substitute teacher, making about $90 per day. My total wages after taxes for the pay period usually average out to around $800 per month. I do not get jobs every day, and sometimes the schools do not log all of my hours. Plus, some pay periods are only a about two weeks long. Now, I'm planning to get a better job, but, assuming I don't find anything soon, is it possible to do anything on this wage besides live? Can I start paying my loans, afford health insurance, or save for the future? if not, what should I do? Please don't advise me to just, "get a better job." I really don't know what you mean when you say that. How should I look for one? Where should I look? How do I know who is hiring in this area? What if my local employment office was no help?
Here are my current expenses:
Rent (plus utilities): $500 per month (it's a studio apartment, but I still may be able to sort of cut costs by getting a roommate.)
Internet: $30 per month
Car Insurance: $100 per month
Student loans: I'm currently still in school, so I don't have to pay these right now. I majored in Education, though, and jobs are hard to find.
Miscellaneous expenses: $75 per month (this includes food, fuel, and other needed items.)
Your school first and foremost.
Talk to people.
Go around to businesses and ask.
Use the Internet.
See if your local coffee shop/restaurants have "Help Wanted" signs.
Yes, you need a better job. Basically anything. There's no way you're going to be able to do anything making $800/mo. At best it'll hold you over for a few months while looking for a teaching job, but there's not exactly a shortage of teachers in most areas.
A roommate for a studio apartment? Hope you REALLY like them. Also see if your lease allows you to sublet; if your landlord finds out and it isn't allowed you could have far more urgent problems, especially if rents have gone up in your area.
If you can't find a better job, right now, maybe get a second job? $800 a month does not seem enough to live on and even that is not guaranteed since there might be more days where you won't be working
A roommate for a studio apartment? Hope you REALLY like them. Also see if your lease allows you to sublet; if your landlord finds out and it isn't allowed you could have far more urgent problems, especially if rents have gone up in your area.
Luckily, it is allowed. I tried it earlier this year with the manager's permission. One big issue, though, is choosing the right roommate.
You may want to consider a larger school district where you'll have a chance at working more. Working as a sub is usually a prelude to teaching. Are you in the process of getting a teaching credential? You may want to look for a district that pays a higher daily sub rate. Currently, I would think subs are getting well over $100/day.
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I did not notice I posted in Economics. Would someone move my post, please?
