In trouble with finances

[Anonymous]

Sorry, meant to add that the ACET program consists of a competitive admissions process where selected candidates join a cohort for 10 to 12 weeks of intensive coursework, followed by a six-week teaching internship, and a one-year supervised teaching residency in MCPS with full pay and benefits.

[Anonymous]

I am 52 and just started a new job last year after 5 years of sporadic employment and unemployment. You can do it!

[Anonymous]

Anonymous wrote:Sorry, meant to add that the ACET program consists of a competitive admissions process where selected candidates join a cohort for 10 to 12 weeks of intensive coursework, followed by a six-week teaching internship, and a one-year supervised teaching residency in MCPS with full pay and benefits.

Given the teacher shortage I doubt that’s the case!

[Anonymous]

I wouldn’t want to work on a school these days with the gun violence, etc.

[Anonymous]

OP, I do NOT think that you are financially ruined or even close to it. I think that you may have to change expectations, but particularly with a low mortgage this is course altering, but not devastating.

I agree that you need to find something to bring in enough income to be income and frankly just costs there until retirement.

Most things that bring joy in life are inexpensive or free. It’s just very easy to forget that.

How much income do you realistically need to bring in? What is your background?

[Anonymous]

Nursing. Not a home health aide, but like legit RN and higher. I’ve seen blue collar guys laid off of factory type jobs and sahm’s who need a job after divorce invest the time to go to nursing school. It’s a well paying job that allows you to pick up extra shifts for short term extra money and get additional certifications for long term extra money.

[Anonymous]

OP - I think with a business background that you might be a real asset if you can deal with the behavior challenges at the middle/high school level in business related classes, at a career center, or teaching some basic math classes -- rather than say looking to become an elementary school teacher and covering all the classes. You might want to talk to a career counselor to see how our business experience background could transfer into teaching or other fields. And don't forget as an introduction, you could sign up to be a long-term sub in certain classes to see if teaching is a career track for you.

[Anonymous]

Anonymous wrote:

OP - I think with a business background that you might be a real asset if you can deal with the behavior challenges at the middle/high school level in business related classes, at a career center, or teaching some basic math classes -- rather than say looking to become an elementary school teacher and covering all the classes. You might want to talk to a career counselor to see how our business experience background could transfer into teaching or other fields. And don't forget as an introduction, you could sign up to be a long-term sub in certain classes to see if teaching is a career track for you.

OP here this sounds like a great idea - but do I have to go back to school for this - what degree?

[Anonymous]

Move into a smaller home so you have more cash to live on.

You are not a failure. This is an interlude.

You will regroup!

[Anonymous]

How about getting a job as a house manager? If you've successfully run your own home and a business, you should have all the skills you need.

[Anonymous]

Tell us more about the rest of your financial picture. Does your investment property provide a good cash flow? Does your spouse work? If not, could they get a job?

And please don't beat yourself up over your business. Being self-employed can be tough. It sounds like you gave it your all. Covid was brutal for a lot of small businesses.

[Anonymous]

List out skills as business owner, use chat gpt to improve resume. Apply for Federal government positions hiring at GS 12-15 range, this will take about average of 3-4 months of applying for 100-200 jobs - but you will get hired close to or above 6 figures. Good luck and God bless.

[Anonymous]

Becoming a substitute teacher is relatively easy. You get paid by the day. Look up your local school system and how to be a sub for more information. It’s very different than your own class but gives a sense of being around kids all day. I love substitute teaching!

[Anonymous]

Anonymous wrote:

Anonymous wrote:

OP - I think with a business background that you might be a real asset if you can deal with the behavior challenges at the middle/high school level in business related classes, at a career center, or teaching some basic math classes -- rather than say looking to become an elementary school teacher and covering all the classes. You might want to talk to a career counselor to see how our business experience background could transfer into teaching or other fields. And don't forget as an introduction, you could sign up to be a long-term sub in certain classes to see if teaching is a career track for you.

OP here this sounds like a great idea - but do I have to go back to school for this - what degree?

You would have to participate in some type of state approved program. They are normally 3-6 months long and cost a couple thousand.

[Anonymous]

Anonymous wrote:

Anonymous wrote:(a) Move into a smaller home
(b) Agree with PP that you could easily get a provisional teacher's license and start teaching. ANYWHERE.

OP here - how do you get provisional teacher license without going back? Our mortgage is actually low so we don’t have to move into smaller home

Look for resident teacher programs. For instance, Fairfax has a program where you become a teacher resident with just a bachelor's degree and then you add in the credits. Teaching is a challenging job though--you have to want to teach.