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Direct Sales as a Side Job for Educators

Direct Sales as a Side Job for Educators

With a variety of products and low startup costs, Direct Sales can seem appealing as an extra source of income for educators. With stints of “time off” throughout the year, a teacher may have more time to invest than other working adults, but is the time really worth it?

What exactly is Direct Sales?

Direct Sales companies use independent consultants to market a product directly to the consumer. Direct Sales goes by many names: network marketing, direct marketing, at home party planning, and, although incorrect, pyramid schemes. According to the Direct Sales website, there are over 18 million consultants of various products worldwide. These companies sell everything from make-up, jewelry, artificial nails, and health products, to athletic training supplements, romantic attire, and kitchen supplies. If there is a product a person likes, a Direct Sales company for that product most likely exists.

To become a representative of a company, one signs up under another representative and purchases a start-up kit that generally costs $100-$150. This pays for company products that one can have potential customers try at “parties” that are held at a host home to generate sales. These companies also have a monthly or yearly amount that one must sell to remain an active consultant.

What makes Direct Sales appealing is the “be your own boss” and “make great friends” mantra as well as the potential earnings. Also, if one truly uses and likes the company’s products, it can be appealing to become a representative and receive discounted products.

A true Direct Sales company is not a pyramid scheme. In a pyramid scheme, the money is made off the representatives buying large quantities of inventory. Also, in these schemes, a representative generally cannot make more than the person above them. In Direct Sales, the person one signs up under does receive a commission on their downline sales, but people in their downline can make more money than people in their up-line, so there is no “scheme”.

The Upside

As mentioned previously, if one truly likes the product a Direct Sales company offers, it may be worth it in the long run to become a consultant to receive a product discount. If one knows a few other people who like the product, the minimum requirement to remain active can be easily maintained. Along with product discounts, representatives can earn anywhere from 25%-50% commission depending on the company.

If one is a social person and does not have many other obligations outside of teaching, parties will be an appealing idea. These types of people can fulfill their social needs and get paid to do so. Also, the amount of money that can be made in Direct Sales can exceed a teacher’s salary if one works at building a strong customer base and has other representatives in their downline.

With breaks and summers “off”, a teacher may have more time than most working individuals to make a Direct Sales opportunity a legitimate side income. Also, being a teacher provides a larger network of individuals to host parties and tell about the product.

The Downside

Direct Sales is an easy business to start, but takes a significant amount of time and stamina to truly grow. What makes more money in these companies is recruiting other individuals to join the team. Once a person joins, he/she may not stay forever. The average time a direct sales recruit stays in on average is three months.

Direct Sales also adds another item to a teacher’s proverbial, already overflowing plate. Also, one month, one may not need anything and have to spend money simply to remain active. Speaking of money, one may have to spend more on items other than the starter kit to have a successful party.

The Bottom Line

If one decides to join a Direct Sales company, he/she needs to consider the cost and his/her individual goals. If one knows a few people who will buy the product beside themselves, it can be worth it to receive the discount. If one thinks that everyone will want to buy it immediately and he/she will make thousands of dollars in the first year, this person will likely quit due to frustration.

Direct Sales can be a legitimate side job if a person signs up knowing that it will take time to grow and find customers. However, if one builds a customer base and signs up a few other individuals, it can definitely be a legitimate side business that can pay for a nicer summer vacation or pay off more debt.

For a list of companies check out the Direct Sales Association website.

[P.S. Shameless Self-Promotion]

I am a consultant for Lemongrass Spa Products. The company makes 97-100% all natural products for everything that touches skin for everyone in the family including cosmetics, lotions, shower items, soaps, as well as men and baby products. Check out the following to learn more!
Instagram: @SGLemongrass
(Thank  you for your time! After all, aren’t all teachers looking for ways to make money on the side?!)
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Teachers Down Payment

How to Save for Your First Down Payment on a Teacher’s Salary

With rising real estate prices across the board, not to mention in locations with a high cost of living already, buying your first home can seem daunting. You may be planning on buying your first home in a few years, but using these tips today will help you slowly start to save for that first down payment.

Originally, most mortgage companies requested a 20% down payment, which in today’s world can seem a little out of reach. However, with a few years of planning, you may be able to grasp this goal with a teacher’s salary.

Anything under 20% for your down payment may require you to pay PMI – or private mortgage insurance – on top of your mortgage payment, home insurance, and property taxes. Also, with this down payment, you can build up enough equity so that when you do go to sell your home, the closing costs and fees don’t eat up all of your investment.

However, there are a few ways to get a lower down payment as well if the 20% isn’t feasible when you’re ready to buy.

How to Save for your First Down Payment on a Teacher's SalaryCheck out Teacher home loan programs

There are many different teacher home loan programs out there, that allow you to buy a house without a 20% down payment.
Most of them do require some sort of initial investment. FHA, for example, only requires 3%. Even if you plan on investing 20% at the start, you can get some neat perks like discounted closing costs and even donations to your school.

If you do decide on a lower down payment, you may want to continue using some of these tips to ensure you hit 20% equity before you go to sell your home. Be sure to check your mortgage loan for prepayment penalties if you do plan on making any extra principal payments.

Figure out your monthly goal

First, you’ll want to decide the price range of homes you’ll plan on looking at. Next, you’ll want to get prequalified with a lender to see what interest rates and programs you qualify for. Also, this is a good time to see if you need to do any work on your credit as well.
You can also use sites like Karl’s Mortgage Calculator to help you figure out future monthly payments depending on what you pay for your home and the down payment.

Set up an emergency fund

Even while you’re saving for a down payment, emergencies still happen. If you start out with savings that will cover three to six months of expenses, it’ll help you stay on track for your down payment when you need a sudden car repair or have a medical expense.

Planning for emergencies in advance helps you stay focused on your other goals.

Get a savings account

Open up a savings account with your bank or find one online. Make sure it’s an account that you can easily pull the money out of when needed.

You can set up an automatic deposit from your paycheck each month if your employer uses direct deposit. This is the best way because your money never touches your main spending account and eventually you’ll get used to seeing the net amount in your checking each month.

Adjust your budget

You’ll want to set your budget up so that you can reach your goal each month. You may have to change some of your spending habits or even give up some extravagances for the luxury of buying your home. Some ways to cut spending is checking with credit card companies on lowering interest rates. If you pay on time each month with the required amount, you can call in and tell them you want a lower rate.

Also, you may look at renting a moderately nice apartment instead of the three-bedroom house with a huge backyard, or you may want to trade in your car for a lower car payment if that saves you money. Anything that you can cut, even barely, will add up over time.

Use extra income wisely

Anytime you receive any large income outside of your regular salary, consider putting all or most towards your down payment savings. Tax returns are great opportunities to build up your nest egg. If you do any side jobs or summer jobs, try budgeting some of that income into the mix as well.

Your main goal is to funnel any kind of extra income into reaching your goal faster. Saving for a down payment can take a couple of years, but the equity you create will be worth it.

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Master's Degree Scholarships for Teachers

6 Master’s Degree Scholarships for Teachers

Many teachers desire to not only effect positive changes in the lives that they touch by delivering in the classroom, but by also moving up to administrative positions where they can contribute to impactful changes such as school system planning and curriculum development. Here are 6 Master’s Degree Scholarships to help you meet your professional development goals.

1) James Madison Graduate Fellowships

Interested in becoming an outstanding teacher of the American Constitution at the secondary school level? The James Madison Memorial Fellowship Foundation offers to such individuals $24,000 through their James Madison Graduate Fellowships program. The Foundation offers both Junior and Senior Fellowships, and aims to offer one fellowship per year in each state – as long as there is sufficient funding. Candidates compete only against applicants from the states where they are a legal resident. The Junior fellowship aspirant must be an outstanding college senior/college graduate with no teaching experience, but who intends to become a secondary school teacher of American history, American government, or social studies (grades 7–12). Junior fellowship awardees are expected to complete their graduate study within 2 academic years of full-time study. Senior fellowship aspirants must be outstanding current teachers, and are required to complete their graduate study within 5 calendar years part-time study. All fellowship applicants must already have or plan to receive a bachelor’s degree before August 31 of the year they apply. Applicants must be a US citizen.

2) Education Pioneers’ Graduate School Fellowship

Education Pioneers, through their Graduate School Fellowship program, targets and provides talented education, law, policy and business graduate students with a great opportunity to make an impact and become project consultants for top tier education organizations. The fellowship values between $50,000 and $80,000. Candidates participate in a 10-week summer program that provides them with the perfect opportunity to take their career to the next level, the opportunity to elevate to high-level education leadership careers. Graduate School Fellows interested in education leadership careers will attend workshops that examine complex urban education issues within a school district, charter school network, nonprofit or other leading education organization. This program presents participants with invaluable access to a network of industry experts from all over the nation and education pioneers alumni.

3) Learn.org Master’s Degree Scholarship in Education and Teaching

Learn.org, through their Master’s Degree Scholarship in Education and Teaching program, offers an annual scholarship of $500 to students interested in pursuing a master’s degree in Teaching. Areas of specification include Curriculum and Instruction, Educational Leadership, Education Administration, Education Technology, and Early Childhood Education. Applicants must be pursuing their Education and Teaching master’s degree and must be full time students during the year the scholarship is awarded. Undergraduates are ineligible. Applicants are selected based on their academic history, employment history, and extracurricular activities. Financial need is not given consideration.

4) Program of Mathematics Study & Active Professionalism Grants

Overseen by the National Council of Teachers of Mathematics (NCTM), the Program of Mathematics Study & Active Professionalism Grants provides financial support for teachers interested in improving their understanding and appreciation of mathematics, and who will do so by completing course work in school mathematics content and pedagogy, which will lead to an advanced degree. Funding totaling $24,000 is available for up to three years for graduate study and professional development. Eligible applicants must be teaching mathematics for a minimum of 3 years, with 50% of that teaching taking place in classrooms at the Pre-K-6 level.

5) The JCCs of North America Graduate Education Scholarship Program

The Jewish Community Centers of North America Graduate Education Scholarship Program benefits up to five eligible full-time graduate students who are awarded up to $10,000 per year for a one- or two-year period. To be eligible, teachers must be pursuing MA degrees that will allow them to teach in the JCC Movement in the areas of early childhood education as well as health and physical education. Applicants who are not already employed at a JCC must be willing to relocate for employment after graduating. Aspirants must excel in academics and community leadership and have a keen understanding of the JCC Movement’s values and mission.

6) The Journalism Education Association’s Future Teacher Scholarships

The Journalism Education Association’s Future Teacher Scholarships is awarded to up to five education majors at a value of $1,000 each. To be eligible, applicants must be enrolled in an upper-division or master’s degree education program that will lead to them teaching scholastic journalism at the secondary school level. Also eligible for the program are current secondary school journalism teachers who are enrolled in a degree program to improve their journalism-teaching skills. Application deadline is July 15 and scholarships are awarded by early September.

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Children's Consignment Sales - Save & Earn

Ways to Save & Earn at Children’s Consignment Sales (Even if you don’t have Kids!)

If your town is anything like mine, you will see advertisements for multiple children’s consignment sales, especially when the seasons change. After seeing the droves of vehicles at one of these sales year after year, I finally decided to see what all the fuss was about. After experiencing this sale first hand, I realized that there were ways to save and earn money at these events, and as a teacher extra funds are always welcome.

How the Sales Operate

What I did not realize about these sales is that they sell so much more than children’s clothes. They sell toys, books, electronics, bedding, cribs, car seats, strollers, shoes (all sizes), maternity clothes, and junior sized clothes.

To sell, one signs up as a consigner and labels all of the items to be sold; each sale has a specific way. There is generally a small entry fee and they take 20-30% commission. When the sale is over, just pick up the items that did not sell and the money earned. It is that simple.

Ways to Save

These sales rely almost solely on volunteers. Volunteers sign up for a two to four hour shift and can choose to work before, during, or after the sale. The trade-off for these hours is that the volunteers can shop before the public. If you want to save as much as you can, sign up to volunteer. Also, some of these sales have a “First Time Mom’s Club” where if one is expecting or has a child under one year of age, the mother can shop first without having to volunteer.

Another way to save is to make a list. Since these items sell for at least 50-90% off the retail price, it may be hard to not fill your bag full of all the adorable clothes. However, since there is no return policy, beware not to over buy, or you will not get the most “bang for your buck”.

Generally, on the last day of the sale, many items are marked 50% off or more. After buying all of the essentials, it may be worth your time to return and see what is left. If you have a little money left to splurge, getting items at an even deeper discount is completely worth it.

Ways to Earn

If you have children, selling their clothing items and toys will earn money; one simply needs to make sure they have the potential to earn enough to make it worth the time. If you only have a few items to sell that will barely cover the entry fee, it may not be worth the time. So what if you only have a few items, or do not have children?

Being a teacher can give one an advantage to earn more at these sales. When a sale approaches, ask students if they have any gently used clothes that they, or their siblings, have outgrown; this is especially helpful if one teaches elementary school. If at the high school level, it is still beneficial to ask because many of these sales accept clothing through junior sizes. Also ask if they have toys, books, or anything else the sale may take.

If you are involved in any other social group whether through a church or civic organization, ask them as well. The more items you have, the more potential there is to earn.

Going All Out?

This may be a stretch, but if you do not have any sales like this in your area, it may be worth looking into starting one. In my town, the individual that runs the sale keeps all of the profit since the entire staff is volunteers. This may be unrealistic with the time frame a teacher would have to work in, but it may be something to consider.

In Closing

These children’s consignment sales can be a great way to save an earn money. Below is a list of sales in the Tennessee/Georgia region and a website that has multiple cities to search. If you do have one in your town, but have never been, it is worth the time to check it out.

Chattanooga, TN:

http://chattanooga.jbfsale.com/sellView.jsp

http://dkdkgoose.com/chattanooga/

Ringgold, GA:

http://www.theboutiqueforaweek.com/

Cleveland, TN:

https://alc4kids.wordpress.com/

This website has multiple cities listed:

http://consignmentmommies.com/

Happy Savings!

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Teacherpreneurs: How Do you Find Time for your Business?

Teacherpreneurs: How Do You Find Time For Your Business?

It is no secret that teaching is not the best-paid job in the world. Thankfully what it lacks in financial reward it more than makes up for in other ways. The trouble is those other ways don’t put food on the table. This is where The Moneywise Teacher helps. It gives you great ways to save and make money.

But how do you find time to become a teacherpreneur while also being the dedicated teacher you want to be?

Finding more time in the day

I’m about to give you the secret to finding more time in the day.

There isn’t any.

Sorry ladies and gents but there are only 1,444 minutes to work with and no way around it.

Now that we have dealt with that bombshell it is time to reflect. Where are your minutes going? I suggest you experiment and create a simple audit of where your time is going. This doesn’t need to be fancy, a scrap of paper will do. Make a note how long you spend doing everything from grading papers to scrolling Facebook to doing laundry.

When you have the results, look at where you could make time savings and where you could use those savings to invest in being a teacherpreneur.

Ignoring what others are doing

Have you noticed how many super mums there are on the internet? The ones that home-school a dozen children while running their own business and travelling the world with a bikini ready body. Does that sound like you? Nah, me neither.

Comparison is not the key to success. You need to focus on yourself, your aims and your goals. If you want to make time to work on your business of an evening you can. If you think you don’t have time, and would rather work at the weekend that is fine too. Find your rhythm and what works best for you.

Being kind to yourself

As a teacher, you are unlikely to think of yourself as a priority. We are a selfless breed and so we struggle to make time for ourselves. Please listen to this next bit closely:

It is not selfish to prioritize your own wellbeing. You are no good to anyone in a heap on the floor.

Please, please, please make realistic goals and working habits. Maybe you can’t have it all at once. Would that be the end of the world? Would a balanced (relatively) stress-free lifestyle not be better for you, your students, and those your care about?

Being adaptable

Teaching may be your overarching superpower but with it comes the power to adapt. Don’t be afraid to try things out with your business and your working patterns. Review, reflect and refine as you do. It isn’t failing to change things around.

You can be a successful teacher and teacherpreneur. Be brave. Give it a go.

Are you trying to do too much? Audit your time and share in the comments what you’ve learned and want to change.

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Grammarly Review 2016

Grammarly Review: Should You Go Premium?

As an educator, more than likely you’ll have a few papers come across your desk, or you’ll be providing some content at an academic level.

There are different grammar checkers online, free and paid, and Grammarly is one of the best-known ones. The platform offers a free and premium version. The premium version will run you $29.95 a month currently unless you bundle months together to get a discounted rate.

Grammarly Review - Subscription Plans

Subscription Plans from Grammarly

After putting the premium version to the test, here are a few insights on whether it is worth going premium with Grammarly.

Pros for Teachers

One tool that could cut teacher’s time in half when grading papers is the plagiarism tool. Grammarly claims that the cloud-based software scans over 8 billion websites to look for plagiarized content. With this powerful tool, I can see this being a much-needed shortcut for teachers when grading student’s papers.

Teachers can use this extra time to focus on helping improve their students overall writing and style.


Also, when using the program in Microsoft Word, you can change the type or genre of the article you’re either writing or proofreading. You do have to add Grammarly to Word by following the prompts from your profile on the Grammarly website.

With genres like essay and research papers to choose from in the academic section, you can move through papers using the grammatical styles associated with each kind of writing. Adding the Grammarly tool to Word and the plagiarism tool are both only available through the premium membership.

2016 Grammarly Review for TeachersHelpful Tools for Writing

Another perk of going premium is being able to look at advanced issues in your writing. When using the free version, Grammarly lets you know there are “X” amount of advanced issues that you can see IF you upgrade to premium.

If you tend to write more than the average person and are interested in improving your writing skills and grammar, being able to look at the advanced issues is one of the best tools the software provides.

Personally, I tend to write in the passive voice more than I want in my writing. The premium version of the grammar checker has helped me work towards breaking this habit. Also, it breaks the habit of using any repetitive words and even suggests synonyms that may fit better with your wording.

Also, the ease of use of the software is great. Adding extensions to your browser and Word are simple and using the grammar checker is self-explanatory.

Grammarly checks over 250 types of grammatical issues, spelling mistakes, and enhances the vocabulary of the user in the premium version. What I found using the tool is that they do deliver well on all of these categories.

The Drawbacks

Grammarly does have a few drawbacks.

It’s grammar suggestions may not always make sense regarding what you’re trying to write and get across to the reader. At this point, you have to use your best judgment in going with the suggestion or sticking with your original writing.

An example of this is when the passive voice is necessary, and it wouldn’t make sense to use the active voice in the context of your writing. Grammarly tends to do this in different style tips and suggestions. Just check the context and decide on what sounds better to you.

Also, when using the browser extension, Grammarly hasn’t picked up on how writing may differ on your personal social media. Sometimes when you add new statuses on different platforms, it’ll pick up multiple errors on abbreviations and social lexicon.

Just clicking through these and being able to post can be time-consuming as well as irritating.

Grammarly Review – The Verdict

Grammarly has a lot to offer to anyone who takes their writing seriously or grades any papers in an educational setting.

With only a few drawbacks, the pros greatly outweigh the cons. The writing enhancing tool, whether in the free or premium version, does help writers create better content and helps break any old writing habits.

If cost isn’t a factor for you and you enjoy improving your writing skills, the premium version may be a tool you’ll find useful.

Overall, if you plan on writing more than the average person or you’re an educator who does need to proofread constantly, I would recommend the premium tool. If you don’t grade papers often or need to write much, trying the free version out would probably cut it for you.  Start with the free version of Grammarly here.

Have you tried Grammarly’s premium version? What did you think of the grammar checker’s tools?

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13 Teacher Freebies For EVERY Educator!

I admit, the title of this post about teacher freebies is a bit misleading.

In truth, this list includes links to THOUSANDS of teacher freebies.

These 13 freebies are either individual freebies you can claim today, or links to online resources with hundreds (or thousands!) more freebies – worksheets, activities, lesson plans, you name it.

I tried to select a variety of teacher freebies that would suit most, if not all educators.  Besides some great stuff for your class, your students and/or your school, there are some freebies here for YOU too.  You deserve to be rewarded too, right?

That said, on to the free stuff!

1) Microsoft Office 365

Microsoft is offering all qualifying teachers (and students!) Microsoft Office 365 for free! You will also get 1TB of online storage. This one’s a no-brainer if you qualify.
Link: http://bit.ly/MicrosoftEducators

2) ClassCentral

Thousands of free online courses from top universities like Harvard, MIT and others. Great for your own professional development or for ideas/inspiration for your own classes!
Link: https://www.class-central.com/

3)Thrive Market – Free Coconut Oil

OK. This one’s a bit of a stretch to call a teacher freebie, but it is a highly recommended freebie nonetheless. Thrive Market is an amazing service that delivers healthy, organic groceries to you directly for up to 50% off retail prices. They are currently giving away a free 15 oz Virgin Coconut Oil. Just pay a small shipping charge.

Plus, you’ll get 15% off your first order. Big savings for busy, hungry educators!
Link: http://bit.ly/ThriveMarketEducators

4) Educents Freebies

Educents currently offers over 500 printable teacher freebies, including lesson plans, worksheets, activities and more! Spans pre-K to 12th grade.
Link: http://bit.ly/EducentsFreebies

13 Awesome Teacher Freebies for Every Educator5) He Named Me Malala DVD

Teachers are eligible to receive a free copy of this DVD and education license that you can use to bring Malala’s
inspirational and compelling story into your classroom.
Link: http://www.prizelabs.com/withmalala/

6) Switch DVD & More

The “Energy Film & Education Project.” Educators can get a free copy of the award-winning documentary on DVD plus access to a curriculum and study guide, as well as access to more online resources.
Link: http://www.switchenergyproject.com/education/free-dvd-and-online-access

7) Turbo Tax

Everyone hates taxes. Don’t hate filing them with Turbo Tax! Educators can file for Federal and State Taxes for $0 and “Get the Maximum Refund, Guaranteed!”
Link: http://bit.ly/TurboTaxEducators

8) United for Human Rights Info Kit

Get a free DVD, The Story of Human Rights booklet, and a guide you can use to help bring about awareness and understanding of human rights and to start making a difference!
Link: http://bit.ly/UnitedForHumanRights

9) Audible

Get a free 30 Day trial + Two free premium audiobooks. Great for professional development or entertainment purposes.

Choose from over 180,000 audiobook titles to help make your commute to and from school more bearable! Audible, an Amazon company, offers the world’s largest selection of digital audiobooks and spoken word content. “With Audible, customers can listen anytime and anywhere to professionally-narrated audiobooks across a wide range of genres.”
Link: http://bit.ly/AudibleTrialEducators

10) Free Technology for Teachers

A regularly updated and massively popular blog that features hundreds if not thousands of the newest free
technologies, apps, etc. that teachers can use in their classrooms.
Link: http://www.freetech4teachers.com/

11) Help Prevent Underage Drinking Kit

SAMHSA (The Substance Abuse and Mental Health Services Administration) is offering a free underage drinking
prevention kit that includes a teaching guide, poster, worksheets and a family guide.
Link: http://bit.ly/PreventUnderageDrinking

12) IdentityForce

Identity thieves are everywhere. Last year over 12 million individuals were victims of this faceless crime. Get protected today with a free two week trial of this top identity protection service.
Link: http://bit.ly/EducatorIdentityProtection

13) Grammarly

Great for educators and students alike. This free, must-have tool corrects more than 250 types of grammatical mistakes, while also catching contextual spelling errors and poor vocabulary usage.
Link: http://bit.ly/GrammarlyFree

You’ve Got 99 Problems and Teacher Freebies Ain’t One!

This is just a small sample of teacher freebies we were able to find, there are 99 more in our Ultimate list of 112 Teacher Freebies! You can download via the “Get the Ultimate List” box below or here: The Ultimate List of 112 Educator Freebies.

Save yourself and/or your school some money and grab that list today. There’s truly something (or a lot of things!) for everyone there.

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The Real Cost of Higher Education for Teachers

The Real Cost of Higher Education for Teachers

According to the No Child Left Behind act and Common Core, public school teachers in grades pre-k through twelfth must have a teaching certification—typically the result of an undergrad teaching degree—and must partake in continuing education, earning a set amount of credits or hours per licensing timeframe.

Continuing education can take a variety of forms, including traditional college credits, seminars, or professional development courses, and specific requirements vary from state to state. Some states like Arizona require 180 clock hours, while others, such as Iowa and Maryland, require six semester hours. Then there are states—California, New Jersey, and Rhode Island specifically—that have no state regulations for continuing education, instead leaving it up to individual school districts to determine what its teachers need.




For many years, most school districts provided its teachers in-house training and workshops to help offset the expenses of continuing education, but as costs become higher and budgets become lower, this is not nearly as common and teachers are having to find—and fund—their own continuing education.

Why Continuing Ed?

There’s no doubt, the better teachers teach, the better children learn. Improving the quality of teaching students receive is the most important factor for student success. That’s why there’s such a focus on continuing education. It’s designed to help teachers improve teaching skills, learn new technologies, and find innovative ways to prepare America’s youth for the future.

Although there’s a huge range of styles and topics in continuing education, here are some common themes:

  • Anti-bullying
  • Character development
  • Incorporating classroom technology
  • Common Core
  • STEM promotion
  • Literacy
  • Special needs

Real-Cost-of-Higher-Education-Pinterest

The Traditional Master’s of Education

For some teachers, earning a Master’s of Education is the optimum choice, but for others it’s not. Graduate level courses tend to be more expensive than other continuing ed options, with the advance degree averaging from $12,000 for less expensive online universities to $200,000 and up for Ivory League schools. According to the National Center for Educator Statistics (NCES), teachers with advanced degrees earn, on average, 11 percent more in public schools and eight percent more in private than their BA-only counterparts. Over the years, that 11 percent adds up.

Yet for new teachers, earning a Master’s degree right out of undergrad may not be the best bet. Nearly 50 percent of school teachers quit teaching during the first five years, and that’s not good odds for that kind of investment. Instead of going straight through to graduate school, consider getting some real classroom experience. Make a commitment to teach for at least two to three years before deciding to pursue higher education. By that point in time, you should know if teaching agrees with you and if it’s something you want to do for the rest of your life. If so, start looking into colleges and universities. If not, give it a few more years before deciding. After all, there’s other, less expensive ways to earn those continuing education credits.

National Board Certification

For those who are looking for a certification that’s recognized across the country, the National Board Certification by the National Board for Professional Teaching Standards is the best choice. Given from the independent non-profit, this certification takes more than a year to earn and is the highest mark of professional accomplishment in the field of education. To be eligible, you must possess a Bachelor’s of Education and have at least three years teaching or school counseling experience, as well as a valid teaching license, in applicable. Candidates must complete a computer-based assessment and create a portfolio that showcases their abilities. The certification process does has a $2,500 assessment fee, but since it lasts a lifetime, it will more than pay for itself. Most school districts offer salary incentives for those who complete the process and some may assist with the fee. Some teacher unions, educational institutions, and educational non-profits also offer assistance for National Board Certification.

Federal TEACH Grant

The federal Teacher Education Assistance for College and Higher Education (TEACH) grant is a readily available grant for both teachers and students in the education field. You can apply for up to $4,000 per year, with a maximum of $16,000 for undergraduate studies and $8,000 for advanced degrees. To be eligible for the TEACH grant, an agreement must be signed that lists specific teaching requirements that must be meant within eight years. These include things like working in low income districts or in high demand fields. If the individual fails to do so, the grant becomes an unsubsidized Direct Stafford loan and repayment must begin.

Other Options

With thanks to modern technology, continuing education comes in a wide range of environments. There are online classes, weekend seminars, afterschool workshops, traditional classrooms, and self-study. Education for teachers has never been easier or more convenient. And although the cost of continuing education for teachers is going up, it’s making our teachers better and benefiting our students immensely.

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Teacher Savings on Car Insurance

Teacher Savings on Car Insurance and Major Vehicle Repairs

Despite one’s best efforts, sometimes costly vehicle repairs are unavoidable. This can be due to an accident, neglect, or a vengeful student skilled at avoiding camera detection in the parking lot.  When it comes to these repairs, it is good to know what car insurance providers have special deals for educators, how to save on engine repair, and how to save on interior and exterior body work.

Car Insurance Providers with Teacher Deals

If major repair work is required on a vehicle, and it is due to an accident, it will generally involve your insurance company. Two major car insurance providers that offer special educator incentives and discounts are Horace Mann and Liberty Mutual.

Horace Mann insurance proudly displays that they were “Founded by Educators for Educators”. They offer a program called Educator Advantage® that adds certain perks to their insurance policies. The most significant perk includes “a waiver or reduced deductible for covered vandalism losses on or near school property, or while at a school-sponsored event.” So if a passive aggressive student bent on revenge decides to slit your tires or key your car, it most likely will be covered. This program also offers added roadside coverage, new car replacement if a new car is deemed a “total loss”, assistance with veterinary bills if your pet is injured in an accident, and liability coverage if you transport students in a vehicle they insure.

Liberty Mutual offers Teacher’s Auto Insurance which also covers instances of vandalism on or near school property. They also offer Personal Property Coverage which covers stolen teaching materials or school-owned property up to $2,500. Another advantage is their Collision Coverage, which covers your car if you are driving it for school business.

Major Repairs on Engine/Transmission

According to Robert Bookout, owner of Bookout’s Tire and Lube for over 40 years, “The cheapest car to have is the one you already own.” Paying outright for repair damage can be costly. It may be difficult to not think about a new vehicle when one gets a $2500-$3000 repair bill on a transmission or engine, but in the end it is generally cheaper to pay this bill rather than purchase a different vehicle.

When it comes to the engine/transmission , a repair shop is generally better than a dealership because they have more specialized equipment. To find the best shop, ask other individuals about who repairs their vehicles and do a search for local providers. After narrowing the results, see which ones have the best reviews. Also if they offer any type of military or student discount, always ask if they will extend it to teachers as well.

Interior and Exterior Repairs

For interior repairs, an auto upholstery shop or an auto trim shop will usually be the best. Sometime engine repair shops can recommend a good provider for this; if not, it is back to the faithful word-of-mouth and internet search.

Exterior work can be completed in a few different ways. There are shops that will do all exterior work or you can choose to go to a specialist for each different item that needs to be repaired. If only repairing one specific part of the car, a specialty shop may be the best route since they will have more expertise in that specific area.

When researching a shop, ask them if they have used parts that they either receive from a supplier or a vehicle junk yard. If there is a local junk yard in your area and the shop does not partner with them, it will be worth your time to call and see if the junk yard has the specific undamaged part your vehicle needs; this will make the repair cost significantly less.

For tire repair, ask local shops if they keep any moderately used tires. Some shops advertise used tires, so check there first. If money is tight, and on an educator income it definitely can be, used tires will hopefully last until enough can be saved to purchase new ones.

In Closing

Many non-accident repair bills can be avoided by simply keeping up with vehicle maintenance; you can read how to save on that here. Since many repair bills can quickly reach thousands of dollars, using the tips listed above will help keep the price as low as possible. This leaves more money for us to buy classroom supplies; just kidding!

The author would again like to thank Tommy and Robert Bookout for their expertise in writing this article.

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6 Top Continuing Education Scholarships for Teachers

6 Top Continuing Education Scholarships for Teachers

Often dubbed a labor of love, there are many challenges associated with the teaching profession. Chief among these challenges is the cost teachers face when continuing their studies or pursuing career development opportunities. This list of six top continuing education scholarships for teachers is most useful for those who are committed to making a lifelong career of educating the nation’s children and powerfully impacting lives.

The Renshaw Fellowship

Administered by the Intercollegiate Studies Institute (ISI), the Renshaw Fellowship has three grants available to its fellows – 5 awards of $15,000 each, 3 awards of $10,000 each, 7 awards of $5,000 each. Applicants must be members of the Intercollegiate Studies Institute, and currently pursuing their doctoral studies or have applied to doctoral programs in education. Awardees can use the funds at their discretion to cover either living or tuition expenses. Students attending pre-professional programs such as in medicine, law, divinity or business are ineligible.

AFCEA Educational Foundation STEM Scholarships

The Armed Forces Communications and Electronics Association (AFCEA) Educational Foundation Stem Scholarships benefits at least 50 students working towards a degree or license that will allow them to teach a STEM subject (science, technology, engineering or math) at the grade K-12 level at a US school. The scholarships value between $2500 and $5000. Applicants must have a minimum overall GPA of 3.0 and be enrolled in an undergraduate or graduate program at an accredited college or university. Those working towards their license must have received at least a bachelor’s degree in a STEM major. The expected date of graduation or completion of studies cannot be in the same year the scholarship is to be awarded. Undergraduate students are ineligible.

E.A.C.H. Early Childhood MINNESOTA

The aim of the T.E.A.C.H. Early Childhood MINNESOTA scholarship program is to improve commitment and stem high staff turnover in the field by encouraging early childhood and school-age care professionals who want to further their education and improve their compensation. T.E.A.C.H (Teacher Education And Compensation Helps) offer varying types of scholarships, with most awarding recipients with benefits that cover majority costs of tuition and textbooks, along with travel stipend and paid release time. To be eligible, applicants should already be working as child-care professionals or early childhood educators, and gained acceptance into a Childhood Development or Early Childhood Education degree program at an accredited two or four-year college in Minnesota. Center directors, approved trainers and professional development specialists, family child care providers, and staff at early childhood and school-age care programs are eligible.

Paul R. Wolf Memorial Scholarship

Paul R. Wolf Memorial Scholarship program, administered by the American Society for Photogrammetry and Remote Sensing, is meant to encourage college students who display keen interest in entering the teaching profession with specific focus on teaching Surveying, Mapping, or Photogrammetry. A scholarship of $3,500 is awarded to the selected student who must be a member of ASPRS and enrolled in a graduate program that will allow them to pursue a career in teaching one of the three subjects mentioned.

Prospective 7-12 Secondary Teacher Course Work Scholarships

The Prospective 7-12 Secondary Teacher Course Work Scholarships is administered by the National Council of Teachers of Mathematics, and supported by the Texas Instruments Demana-Waits Fund. A scholarship valued up to $10,000 is awarded to a college student to help finance their studies as they pursue a career as a secondary math teacher. To be eligible, applicants must presently be completing their sophomore year of college, and scheduling for full-time study at a four or five-year college or university. Applicants need to be studying toward a diploma that will allow them to become certified teachers of secondary school math.

TEACH Grant

The Teacher Education Assistance for College and Higher Education (TEACH) Grant is a federal grant program aimed at giving students financial assistance as they pursue their teaching and education degrees. The grant, valued up to $4,000 per year, is awarded to students completing or planning to complete prerequisite course work for pursuing a career in teaching. A condition of the grant is that the recipient sign an agreement, committing to work in a high-need field, at an elementary school, secondary school, or educational service agency that serves students from low-income families for at least four complete academic years within eight years after completing their course of study or otherwise no longer enrolled in the program for which the TEACH Grant fund was received. Eligible students must be enrolled in a TEACH Grant eligible program, and be scoring above the 75th percentile on one or more portions of a college admissions test or maintaining a cumulative GPA no lower than 3.25.

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8 Tax Savings Tips for Teachers

8 Tax Saving Tips for Educators

With tax season upon us, you may be crunching numbers, collecting tax documents, and wondering about a possible refund.

There are a few ways for you as a teacher to potentially receive even more of a tax refund! Learn how with these 8 Tax Saving Tips for Educators.

1) Educator Expense Deduction

Educators who teach kindergarten through twelfth grade and work at least 900 hours a year at a school providing elementary or secondary education can use the $250 deduction for unreimbursed expenses. Married educators can deduct $500 for these expenses, using $250 individually.

Who exactly can use the deduction? Any of the following as long as they meet the school and 900-hour requirement.

  • Teachers
  • Counselors
  • Instructor
  • Principal
  • Aide

Expenses include books, supplies, and computer equipment used in the classroom. Some restrictions apply to the deduction and decrease the amount an educator may take. An example is taking tax-free withdrawals from Coverdell education savings accounts.

2) Income Outside of School

Anytime you make income outside of your W2, you have to report the income yourself. This “self-employed” income is subject to taxation and can incur a penalty if you’re not withholding enough or paying it throughout the year.

If you have a side hustle or even tutoring in the summer where the check is made out personally to you, you need to be either withholding more tax on your teacher’s salary to cover the tax for your side project or you can set up quarterly payments.

Working with your tax professional can help you set up the correct amount with either strategy.

3) Continuing Education


If you take courses that you cover the costs for personally, you can deduct up to $2000 a year. This amount may differ in higher income brackets. While this is not yet a permanent deduction, the Compromise Tax Bill was renewed for 2015 and 2016.

This deduction is an above-the-line credit meaning it decreases your overall adjusted overall income that is taxable. This helps about other deductions dependent on your AGI as an added bonus.

Pursuing continuing education? Be sure to check out our article with 6 Top Continuing Education Scholarships for Teachers.

4) Charitable Donations

Throughout the year, you may be asked for many donations as a teacher well-known in the community. Be sure to keep record of these as they do add up. This is an itemized deduction on your tax return. If you have other deductions like mortgage interest and other itemized items, this category is a good one to keep up with.

Also, if you buy anything that you donate to your school, these can become a charitable donation as well.

5) Working Parents Deduction

While you’re educating the young minds of the future, someone may be educating or watching over your even younger mind of the future.

Whether using a babysitter, nursery, day care, or preschool for childcare, working parents can get a certain amount depending on income and age of the child. Keeping receipt of these expenses can help get you a larger refund.

6) Student Loan Interest Deduction

If you have lingering debt and interest payments, you can deduct up to $2500 for tax purposes. The great thing about this credit is it comes off of your taxable income. This won’t be affected by whether you itemize deductions or not.

Single filings under $80,000 for their adjusted gross income qualify for this deduction while married filing jointly have an AGI limit of $160,000.

It covers interest payments from loans that helped pay for tuition, books, room and board, and other necessary expenses for continuing education. There could be some adjustments if you have employer assistance or Coverdell withdrawals.
Tax Savings Tips for Educators

7) Travel Expenses

If you travel to conferences, events, and school-sanctioned conventions, you can keep a log of your mileage and get a tax deduction. Also, if you have an overnight stay, lodging and meals can become a factor for tax savings as well.

Any educators required to travel between different school buildings during their work day can also log the miles to deduct as well. Checking up on the yearly mileage rate can help you calculate the tax break.

8) Medical Expenses

If you itemize deductions and have  medical expenses that you paid out of pocket (premiums, fees to offices, medical transportation, etc.) that exceed 10% of your AGI, you can deduct these expenses.

Only the expenses that exceed this amount can be included in your itemizations but can help out on your refund.

Finding That Tax Break


With these tax saving tips for educators, you can find a few ways to help bring back more of your money come April 15th. Working with your tax planner can help you make 2015 a great year and even start creating your best tax strategy for 2016.

We are happy to share that a couple of companies that offer educators free tax software. The First is Turbo Tax, which makes a promise of “Max refund, guaranteed.” File your Federal & State Taxes for $0. An alternative to TurboTax educators might consider is OnePriceTaxes.com, which offers “Easy, Accurate & Fast Online Tax Filing”.

This article contains information for general guidance only. Please consult with professional accountants, tax planners, and financial advisors on specific financial situations.

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8 Top Grants for STEM Teachers

8 Top Grants for STEM Teachers

Although everyone understands the importance of science, technology, engineering, and math (STEM) education in the classroom, the cost involved with being a STEM teacher makes many question its benefits.

There’s expensive lab equipment. There are chemicals, tools, and supplies. Then there’s the cost of continuing education and professional development, important in all educational disciplines, but especially so in STEM fields due to their ever changing growth and development.

Due to the promotion of STEM education in school, the need for innovative and dedicated STEM teachers is at an all time high. To encourage teachers who can develop students’ interest to pursue these fields, there’s a growing list of grants and awards available.

Here’s a list of the top grants for STEM teachers and what each entails.

1) ACS-Hach High School Chemistry Grants

Each year, the American Chemical Society offers $1,500 ACS-Hach High School Chemistry Grants to high school chemistry teachers who encourage enthusiasm in their students by enhancing classroom learning, promoting scientific exploration, and raising an interest in chemistry. Funds can be used for classroom supplies such as lab equipment or teaching manuals, or for professional development, outreach, or field studies.

2) AIAA Foundation Classroom Grant Program

The AIAA Foundation Classroom Grant Program is put forth by the American Institute of Aeronautics and Astronauts and offered annually. These $250 grants are awarded to K-12 teachers who engage and inspire students by incorporating STEM concepts in the classroom in innovative and fun ways. The money can be used on a variety of things to enhance the learning experience, including software, equipment, and science learning kits.

3) Classroom-Lemelson-MIT InvenTeams Challenge

Through Massachusetts Institute of Technology’s Lemelson-MIT Program, the Classroom-Lemelson-MIT InvenTeams Challenge grant program gives up to 15 groups of students and teachers funding to come up with an innovative, technological solution for a real problem the world faces today. The teams that receive the $10,000 grants are to use the money to fund the development of their idea, giving the teams hands-on experience with STEM concepts in real world situations.

4) Emerging Teacher-Leaders in Elementary School Mathematics Grants

One of the many grants offered by the National Council of Teacher of Mathematics (NCTM), the Emerging Teacher-Leaders in Elementary School Mathematics Grant is for Pre-K-5th grade math teachers who are utilizing their own teaching methods in the classroom and demonstrating innovation and drive for math education. To be eligible for this grant, which can be up to $6,000, you must be a member of the NCTM.

5) NSTA Awards & Recognition Program

The National Science Teachers Association (NSTA) gives a range of awards and recognitions to those inspiring students to explore and become interested in the science fields. For over 40 years, the NSTA Awards and Recognition Program has been raising awareness of the outstanding work individuals are doing in science education and awards are given in a variety of specialties, including agricultural science, biotechnology, and engineering. There are also awards given to new teachers, those who build public interest, and those promoting science education in informal or non-traditional settings.

6) NWA Sol Hirsch Education Fund Grants

Given by the National Weather Association, NWA Sol Hirsch Educational Fund Grants are designed for elementary, middle, and high school teachers who are exposing students to the study of meteorology, which is often under represented in science classrooms. The $750 grants can be used to purchase classroom materials, develop community outreach programs, or for professional development.

7) Toshiba American Foundation

The Toshiba America Foundation gives grants to grade 6-12 teachers to fund projects that allow students to “do science.” Awarded to teachers who demonstrate passion for engaging students in STEM classes, these grants have funded a wide range of projects including robotics, greenhouses, genetics and DNA, and 3D animation.

8) Toyota Tapestry Grants for Science Teachers

Together with the National Science Teachers Association, Toyota offers the Toyota Tapestry Grants for Science Teachers. Up to fifty $10,000 grants are issued to K-12 teachers who are demonstrating passion for increasing the quality of science education and getting students interested in the science fields. The grant money is designed to fund student-organized, community-based projects in the physical sciences, environmental sciences, or those that promote literacy and science.

Think Beyond STEM

When it comes to grant money, think beyond STEM specific grants. The US Department of Education has a multitude of initiative and grants available for teachers in all disciplines. Some focus on minority and low-income educational settings and others on those individuals and programs that demonstrate growth and initiative. Many local and national teaching organizations and non-profits also offer grants for educators, so be sure to check with any organizations to which you belong.

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Teacher Side Hustle

Every Teacher Should Know About This Side Hustle

So you’re a teacher and you spend tons of time pouring over lesson plans, activities, and resources for the young minds you’re teaching.

Whether you’re the super creative who does this daily or an occasional designer of a worksheet here or there, you have the potential to make some side money.

How you may be wondering? On one website, teacher-authors have made over 175 MILLION DOLLARS since their founding.

Around three million members browse their site for new materials for their own classroom. Teachers from any school can upload their materials to create their own small business.

How to Side Hustle

The best thing about this side hustle is that most of the work has already been done. All that’s left is a quick upload after registering with Teachers Pay Teachers. Membership is free for the basic seller but for even higher royalties, sellers can pay around $60 a year for the premium membership. You can put as much effort into your store, descriptions, and teacher instructions as you want depending on what kind of return you hope to see.

By uploading documents, lesson plans, and even teaching planners, teachers have the opportunity to make some sort of income out of this side hustle. It’s also important to keep a record of income and expenses incurred for tax purposes.

The simplicity of this website is what makes side hustling even more appealing. Each teacher gets a store (think Etsy) and can promote their store on their social media pages. Also, any of the current members can happen upon the store as well.

For the driven hustler, sellers can place ads that will appear on prominent places of the website to drive even more traffic and promote their materials.

It’s for The Whole School

Not only can individual teachers buy different resources, but the website offers services to the whole school.

This is attractive to different schools because they can set a budget and buy different materials fit for each grade and intelligence level to help students achieve where they need to be.

Teachers Pay Teachers does a great job of offering services that focus on the student and the teachers themselves as well. It’s an added bonus to work with a company that advocates for your line of work.

Through multiple licenses, great material has the chance to be bought for a whole grade or as a resource for all of the teachers in one school district. This creates a serious stream of income for the chosen seller.

What to Sell?

Almost every teacher is going to have something to contribute.

The website offers a wide range of products including physical goods. If you sell any of the following, it may be time to open up a store.

  • Lesson Plans
  • Task Cards
  • Worksheets
  • Classroom Décor
  • Activities
  • Teacher Planning Calendars
  • Hard Educational Goods
  • Printables

How to Build Up Your Store

If you want to take your side hustle up a level, you may want to start marketing your store. One neat way to bring more people to your store is by providing free resources and printables. Many side hustlers do this in whatever career course they are on to bring attention to what they offer.

If people like what they download, they may come back to buy more. Plus, who doesn’t like helping out a fellow teacher.
Another creative way would be by creating a business Facebook page for your store and updating it with new materials. A great way to generate likes or follows is by creating a contest.

By using gift cards that Teachers Pay Teachers offer, sellers can reward a lucky follower after hitting a goal for likes on their business page.

Not only does this have more people seeing your new material on Facebook but also gets the winner onto the Teacher Pay Teachers site. The hustle part of side hustling is promoting your products and getting your name out there.

It’s always good, as mentioned earlier, to promote your store on any of your social media channels. There are different Facebook groups as well to join where you can share links to any of your stores or product pages. Try searching for anything “teacher resources” related and be sure to check the guidelines for posting etiquette.

Some of the top sellers for TPT treat their stores as more of a business than a side hustle and have amazing marketing plans in place. If your store starts to really take off and people love what you’re creating, you may have the potential to create your own business. Top sellers tend to utilize Pinterest marketing and run their own blogs as well.

Why Side Hustle?

The best part of side hustling is that you’re self-employed. You decide how driven you want to be and the hours you want to put in. Whether you want to upload occasionally and let people find your store to adding content daily and promoting like crazy is up to you.

Even an extra $100 a month can sound appealing to several people. There are numerous teachers who are extremely successful selling their content as well who can make thousands a year.

It’s truly up to the side hustler on what they want to achieve. Usually what you put in, you get out of it.

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Ways for Teachers to Save on Vehicle Maintenance

Ways for Teachers to Save on Vehicle Maintenance

Purchasing a vehicle is a major expense, especially on an educator’s salary. In order to receive the most benefit for money spent on the vehicle, it is imperative to keep it properly maintained. Doing so will extend the life of the vehicle and keep costly repair bills at bay.

Where to Service a Vehicle

If looking at a car engine sends you into the throws of panic, it is best to find a trustworthy auto shop or car dealership for your vehicle’s maintenance needs.

Dealerships tend to be more costly than locally owned auto shops. However, the dealership may have better diagnostic equipment and more parts in stock for specific vehicles. Be sure to compare prices before making a decision.

If choosing the auto shop route, begin by asking others where they service their vehicles; then, look at the internet reviews for those specific shops and find out how long the shops have been in business. After narrowing down the list, see how much each business charges for their services. This research will help in finding a quality shop.

General Maintenance

Certain maintenance is required on every vehicle, such as: changing the oil, replacing the air filter, rotating the tires, and changing the brake pads. Maintaining all of these aspects will extend the life of a vehicle and save money over time.

Generally, the oil and oil filter need to be changed every 3,000 miles. If using synthetic oil, it can be used up to 15,000 miles. Neglecting to properly change the oil will lead to extremely costly repair bills.

Every time a vehicle is serviced, the air filter should be checked. Depending on how much and where one drives, an air filter could go a few months or a few years without being changed. If the car is driven heavily in a city or dirt roads, it will need to be changed more frequently.

With tires, it is important to rotate them approximately every 5,000 miles or roughly every other oil change. Keeping them properly rotated will extend the life of the tires and the money spent to purchase them.

When it comes to brakes, the pads and rotors should be inspected when the mechanic rotates the tires, and he/she should provide an update of their condition. The brake pads will wear over time and it is important to replace them so they do not cause wear on the rotors. If left unchecked, the pads and rotors will both have to be replaced instead of just the pads.

Any other maintenance specific to a vehicle can be found in the owner’s manual or the maintenance manual that comes as a supplement to the owner’s manual. This manual details what maintenance needs to be completed at certain mileage intervals.

Ways to Save

The absolute cheapest option for vehicle maintenance is to learn to do it yourself. Now that so many do-it-yourself videos exist on the internet, this may prove a viable option for some. Teachers are supposed to be “life-long learners”, so maybe it is time to learn how to change oil. If choosing this route, AutoZone has a free “Loan-A-Tool” program where one can place a deposit for a tool, use it, and as long as the tool is returned in 90 days, the customer will receive a full refund. However, if doing it yourself would lead to imminent disaster, there are other avenues to save money.

At auto parts stores, they will generally check/charge a vehicle battery and change wiper blades free of charge. They will also typically discount oil, filters, and brake pads a few times a year. During the sale, purchase them and take them to the dealership or auto shop when it is time for each specified item to be replaced.

For tires, many businesses will offer free lifetime rotations if one buys the tires from their shop.
Also, never be afraid to ask the auto shop or dealership if they offer a teacher discount. Establishments that offer a military or student discount will generally give teachers a discount as well if asked.

As a side note, be sure to keep the service records. When it comes time to sell the vehicle, potential buyers will pay more if there is proof it has been properly maintained.

Final Thoughts

On a teacher’s salary, it may seem easy to justify prolonging vehicle maintenance, especially when nothing appears wrong with the vehicle. However, do not forego upkeep in an effort to save; in the end it will lead to costly repair bills and shorten the life of the vehicle.

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