I make $90 a day subbing at schools In a small city and the cost of living is low. is this good money for a 24 year old.?

you can get luxury apartments in my area for 800-900 dollars a month. also I'm making this kind of money without any sort of degrees, I'm almost done with college but not quite
I also don't live alone yet, I'm with my parents. I sub Monday-Friday so my checks at the end of the month are in the

you can get luxury apartments in my area for 800-900 dollars a month. also I'm making this kind of money without any sort of degrees, I'm almost done with college but not quite
I also don't live alone yet, I'm with my parents. I sub Monday-Friday so my checks at the end of the month are in the thousands

Best Answer:

Tara: That's only $450 a week or $1800 a month — before taxes. No, it's not very good money at all.

Other answer:

Tara:
You could make more walking dogs in a metropolitan area, and that's just above the poverty line.

You can figure out a goal income by looking at places where you would be comfortable living, and doing a budget to afford taht – but add in everything else, as well. A good tool is the long form financial statement that will be linked to any county court website- it's used in divorce and child support cases, and lists just about everything you could need money for. Just print that out and write down what everything costs, add in an apartment or house payment,taxes, homeowners insurance or apartment insurance, and you will have a better idea of what you really need to be earning in order to live where you want, on your own.

Don't forget there will be taxes taken out of your pay, no matter what you do.
It's a start- but you're not making enough to live on your own, and at 24, that's a bit late- finish school,and see what you can get that pays more- and don't ever underestimate the value of job benefits- health insurance is a huge cost. If you go into teaching, you may also be able to do private tutoring, and take a summer job to fill in.

Mamawisdom:
Not if you are a college graduate with a teaching certificate, but if you are happy, does it matter what other's think?

Let's say that you work full-time or 8 hours a day, five days a week, four weeks a month for 9 months a year (standard for a teacher). That is 90 x 5 = $450/week x 4 = 1,800/month x 9 months = $16,200 per year BEFORE taxes. That's assuming you are working full-time which is rare for a sub. Your pay rate is about average. Since a sub only works 6-7 hours a day, your hourly rate is about $12.50/hour.

Compare that to a full-time employee (not a teacher) who works 2080 hours a year as a rule (40 hours per week, 50 weeks a year). Your salary of 16,200/2,080 = $7.79 per hour or less than $8/hour. No offense, but my kids earned more than that at summer jobs in high school.

The poverty line for a single adult is $12,000. You are earning only $350 a month above that. Maybe for where you live and your lifestyle choices that pay is sufficient, but it seems that you could make more money working in retail or an office, but maybe you love teaching and are hoping your current sub work will lead to a regular, full-time job.

Kelly:
If you teach 20 days a month, that's only $1800 and before taxes and any benefits you may have taken out.

It's okay as a starter job and better than what some are doing but it's not really much and you can't afford a $900 apartment on that. Many apartment complexes your gross income has to be 3 times what the rent is, 3 times the rent is more than you're making.

Aside from the rent you also have gas, electricity, water, cable/internet, phone, car insurance and other expenses plus any debts you have and well you haven't eaten yet.

If the cost of living truly isn't that much where you live. I'd suggest saving some money while you're living with your parents and after you graduate and have a better job look into buying a house if you can.

Lia:
I subbed for a little while making $80 a day. I had a teaching certificate and did it before I found a teaching position. I thought it was terrible pay as a college graduation seeing as it's only minimum wage. But I also lived in my own home at that point. So, as a student with no living expenses, this sounds like a good way to save up for a while.

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