Budgeting

I am not a full time Educator.  I have taught at the college level, as an adjunct, for over 20 years, and now am engaged in being a substitute teacher from 3-4 year olds through high school.  I am a strong proponent of budgeting for life.  I have lived a financially strong life because it.  While engaging students at any level I encourage them to be financially responsible.  The only way we can be  financially solvent is not to spend more than our income.  Hence budgeting as a life style.

I am a retired special educator.  While teaching I always encouraged financial planning. Of course some of my junior high students thought they knew better than I did.  Yet I had a lesson plan I utilized to prove to them with their help that they were wrong to think the way they did. 90% of the time, I convinced them.

Budgeting is a way of life for me and my family. We definitely live below our means. As a future educator it will be an important part of many lessons to teach the valuable life skill of living below your means and on a budget.  There is great value and peace of mind living debt free!