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Should I go back to teaching?
25/f
I left my teaching job mid-year so I could search for a job that I loved. My whole life, I have had jobs that I have hated. It took 4 months of unemployment to find my current job.
And I love my current job. However, I am in a financial crisis. I am in debt and I am trying to pay it off. I am trying to move out of my apartment and get my own (because I am not happy in my relationship), and I will need a new car, or a new-used car.
Based on my calculations to pay off my debt, and to get everything I need, if I stay with my boyfriend and keep my current job, it will take YEARS.
If I break up with my boyfriend, I will definitely be struggling and the only way I can do this on my own is if I quit the job I currently have and love to go back to teaching (which is the job that I hate).
What do you think I should do?
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Maybe give some free advice about: Personal Finance?
Besides debt consolidation, you might check around for an interim place to live. Near colleges, sometime the elderly or those whose kids have left home, will rent out a bedroom to a college aged student or single person. Renting a room and having common areas, is going to be cheaper than getting your own apartment. I agree you need to leave the boyfriend if its not going well and you shouldn't settle for a job that you hate. Just think of how you'd feel each morning when the alarm goes off and its time to get ready to go to a job you can't stand. Nothing makes the time drag all day like a job you hate. I understand you need money. Perhaps there is something very part time you can also do to bring in extra money. You and those you are most close to will probably come up with some good ideas. My only idea right now for extra income and keeping the job you like, is to consider doing tutoring in whatever subject you wish. This way you aren't dealing with an entire class and can set rules like if for any reason in the first month that either the kid and its parents or yourself find it isn't a good match, then either can cancel the arrangement. I did that with home daycare of toddlers and older. Some adults and children need to be good personality matches for it to work, nothing wrong with you or the student. I know a retired teacher who gave private English lessons to those wanting to learn better English. Sometimes doing this one on one is less embarrassing for an adult who is less likely to take a class. I also know a person who taught flute lessons, one stay at home mom that the school recommended for private Oboe lessons that my daughter wanted to take. With the teaching degrees, it would be easy to get clients. Not sure where you would advertise this but perhaps that is something you can do by referral basis with teachers, schools that you let know of your availability. I hope this is all something you can work out. I wouldn't take on new car payments. If you don't want to get a used car off a lot, try repossessed cars. Thats how I got my first car, or auctions by towing companies. Find a guy who is a mechanic will to make a few extra dollars by going with you to help inspect cars you might be interested in. Its worth it in the long run.
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You need to find a debt consolidation loan. You can use a search engine to find companies that offer debt consolidation assistance or ask your bank to recommend who they work with.
By consolidating your debt you will have a smaller payment at a better interest for less time than paying credit cards monthly.
I would them look for someone looking for a roommate. Sharing with someone is not the ideal solution but half the rent or even a third of the rent leaves money left over for the car you need.
Good luck and let me know how you make out.
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