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The article focuses on the increasing financial difficulties being faced by the teachers. Topics discussed include turning to food banks by the teachers, seeking financial support through charities by teachers because of pay cuts and rising costs of housing and travel stimulating requirement of financial support.

The article discusses the low wages of teachers in England along with the workload on them. Topics discussed include education secretary Nicky Morgan's call for average pay rise, comments of a teacher James Wilson regarding the struggle of teachers in the teaching field and comments from Brian Lightman, general secretary of the Association of School and College Leaders, that deteriorating pay and conditions are leading to recruitment problems.

The article discusses the plight of special education teacher Kathy Meltsakos, who is said to make no income due to medical insurance premiums. It is said that other education support professionals (ESPs) are in a similar situation, which Meltsakos says should lead teachers to become politically active.

The article focuses on the impact of teachers' pensions reforms in Wales, which elicited industrial action and school closures in June 2011 and more expected unrest in November 2011. It says that the proposed pension revision will have a wide impact on the school workforce, and caused increase in the number of early retirements among teachers. It states that the same fears on pension reforms are striking teachers throughout England, and teachers are thinking of leaving their profession early.

The article discusses merit pay for teachers in the U.S. According to the article, federal and state budget cuts have forced education officials in Texas and New York City to reduce or eliminate plans for performance pay systems for teachers and comments are presented regarding the limited amount of research-based proof of the impact of merit pay on teacher performance. Plans in states including Florida and Virginia to institute merit pay systems are summarized.

An article discussing teacher compensation is presented. The author explains different models for calculating the base pay raises for educators and provides a historical statistical analysis of teacher compensation. The roles of teacher's unions and how proposed changes in teacher compensation could effect students is also examined.

The article reports that prospective full-time teachers were anxious to sign up for the New York State Teachers Retirement System before January 1, 2010 when a reform measure would reduce the benefits that teachers currently receive. Three times as many teachers signed up for retirement before January 1, 2010 as did last year.

The article explores ways on how sessional teachers, particularly those in Australia, can make a living and be a successful academic.

The article discusses job prospects for U.S. math and science professionals who enter alternative teacher certification programs in the recession of 2009. It notes that although school systems need science and math teachers, they are conservative in hiring because of budget issues. It notes that teachers are not retiring as early as expected because of the financial situation, and that teachers who experienced layoffs often have the first right to any job openings.

This article presents information on teaching contracts and how educators can increase their incomes. The article discusses a salary campaign organized by Uniserv representative Charlie Brill for teachers in Pennsylvania. It is also noted that many wage campaigns can take years to complete, that facts are essential for bargaining, and that association members need to support the efforts.

The article discusses several services available to British teachers who are looking to buy houses. The implications of an unstable housing market on the availability of mortgages are considered. It is reported that several banks and building societies offer special deals for teachers including the Teachers Building Society, Dunfermline Building Society, and Scottish Windows. Links to financial advising services available on the Internet are provided.

The article presents information about tax-free Individual Savings Accounts (ISAs) for teachers in Great Britain. Statistics regarding the number of people in Great Britain who fail to take advantage of their ISAs and on the amount of money that is lost each year as a result of that are provided. The authors address several misconceptions about ISA management including the fact that it is possible to change ISA providers to achieve that best interest rate.

The article evaluates the usefulness of various types of insurance for teachers. Buildings and travel insurance are identified as valuable investments where payment protection insurance (PPI), mobile phone insurance, and identity theft insurance are reported to be relatively useless. It is also reported that consumers are often signed up for PPI policies without their knowledge.

The article presents suggestions for ways that teachers can manage their personal finances to avoid debt. Buying a home can or leasing an apartment and waiting for notification of what the council tax or how much the utility payments will be can be harmful to finances because it means falling behind. The article recommends creating a budget that makes allowances for increases in utility rates.

The author advises British teachers on selecting a reputable builder in order to efficiently and cost-effectively carry out home improvements. She discusses statistics on the amount of money spent annually on home improvement in Great Britain, suggests using personal recommendations as a primary source for selecting tradesperson, and recommends Internet resources for tradespeople ratings. She cautions against using cost as the greatest factor in one's decision regardless of financial condition. INSET: Picking a winner.

The author provides personal finance advice for British teachers. She notes that many play Great Britain's national lottery after the holidays with the hope of eliminating debt and recommends that they choose to purchase Premium Bonds instead. She explains that Premium Bonds are a type of saving account, held at National Savings and Investments (NS&I) and backed by the Treasury Department. There are monthly drawings for tax-free interest "prizes" on Premium Bonds, as well.

The author presents personal finance advice for British teachers. He explains the importance of checking credit card and bank statements to identify services that are no longer used, such as gym memberships, insurance, and Internet services, and to watch for evidence of possible identity theft. He advises readers to evaluate insurance policies for duplication, to limit credit purchases, and to shop by list rather than sight. He discusses budgeting, tracking spending, and shopping by price.

The author advises British teachers to include organizing finances in their New Year's resolutions and provides suggestions for manging money effectively. She recommends monthly direct deposits to a high-earning savings account and discusses debt-recovery options including making use of zero percent interest credit card balance transfer options and taking out low-interest loans to consolidate debt. She also discusses budgeting, comparison shopping, and evaluating one's mortgage deal.

The author presents advice to British teachers on organizing one's personal finances at year end and preparing for tax returns. She discusses reviewing credit card status, including how many one owns, how much is owed on them, and how effectively they are used. She discusses the impact of credit liability on one's credit rating, updating instructions to banks, and re-evaluating mortgage agreements. She recommends clearing out file cabinets and shredding unnecessary documents.

The author provides personal finance advice for British teachers through a discussion of "spenvy," or "spending envy." She describes spenvy as envy of others' purchasing prowess, which can lead to overspending to prove how much one can save through sales specials, use of coupons, and shoppers' reward programs. She discusses research on spenvy and shares consumer expert Martin Lewis' advice that choosing a single reward program and using it wisely is in the best interest of the shopper.

The article presents information on pawnbrokers' services in Great Britain and how teachers can use them to help manage personal finances. The author discusses large chains of pawnbrokers, including Albermarle and Bond and the Harvey and Thompson Group. She notes that pawnbrokers offer pay advances and check cashing, and that all loans from a pawnbrokers are regulated by the Consumer Credit Act. She explains how pawnbrokers loans work and what happens if the consumer cannot repay the loan.

The article provides financial advice for British teachers. The author discusses purchasing stocks and shares but cautions that only teachers with extra cash should choose this risky option. Trader Greg Secker, a former investment banker, teaches the financial skills needed to trade on the stock market through his Knowledge to action coaching courses and through Traders University. He shares information on trading in Great Britain and provides brief advice and a description of his courses. INSET: Taking stock.

The article presents advice for British teachers on saving money on energy consumption for heat, power, and water. The author provides resources for comparing energy providers, including SimplySwitch, UK Power, and Energyhelpline. She notes that such services have increased competition among utilities providers, and she explains that even if people prefer to stay with an existing provider they should investigate and take advantage of offers being made to entice new customers to that company.

The author provides personal finance advice for British teachers. She discusses use of savings clubs and budgeting as means of surviving the Christmas season with one's finances intact. She explains that the 2006 collapse of the Farepak Christmas savings program resulted in government-backed financial safeguards. She notes that finance expert Brian Pomeroy recommends similar accounts at established financial institutions and she describes several existing options.

The article reports on mortgage options in Great Britain with focus on the One account, which, offered by the Royal Bank of Scotland, was the first current account mortgage in Great Britain. The author explains that current account mortgages take into account savings, salary, and mortgage balance when figuring monthly interest. Information on other types of mortgages and minimum requirements for flexible mortgages is included. The author explains the benefits of flexible mortgages for teachers.

The author describes ways that British teachers can use their homes to supplement teaching income. She notes that advertisers, filmmakers, and television producers often seek real homes for set locations or photo shoots. She provides a website on which homes can be listed and shares information on potential earnings if one's home is chosen. Other home use suggestions include renting a garage or driveway for parking in congested areas, taking in a lodger, and boarding a foreign student.

The author advises British teachers on personal finance. She refers to research indicating that the British people are the least savvy in the Western world regarding money matters, and she recommends that teachers use the beginning of the school year to prompt themselves to learn more on the subject. She describes the ifs (formerly the Institute of Financial Services) School of Finance's adult program for personal finance and a similar program offered online through Open University.

The article presents personal finance advice for teachers in Great Britain. The author focuses on strategic shopping, suggesting trips to retail outlet centers instead of paying full price or waiting for sales in city stores. She describes outlet centers and explains that shoppers rights are the same there as they are in full-price stores. She includes tips from Noelle Walsh's book, "The Good Deal Directory," such as shopping mid-week, watching for sales even at outlets, and adapting styles.

The author discusses using auctions as a way for British teachers to decrease time involvement and save money on large purchases. She describes the availability of items such as houses and cars and she notes the necessity of doing research before entering a bid on such items. She explains that auction catalogs and legal information are available in advance and that potential buyers should arrange for home inspections and prearrange mortgages or auto loans prior to attending an auction.

The article reports a return to popularity of swap shops, and the author recommends that British teachers take advantage of them as a means of saving their money while refreshing their lives. She notes that swapping allows one to clean out unused objects and shop for free. She provides addresses for several swap websites that use a point system for purchases. She describes swap parties and recommends house swaps as a vacation alternative.

The author presents advice intended to help British teachers manage their finances in order to afford some luxuries. She explains that improved processes for installing swimming pools makes them possible for those who, for example, feel they can afford a second car. She describes spiral wine cellars, which can be installed through the ground floor of a home or even in a backyard shed, and she explains that boating is possible through shared ownership.

The author advises British teachers to check insurance coverage before beginning do-it-yourself projects. She relates research indicating that millions of pounds per year are spent on repairs following do-it-yourself attempts. She also notes that most people do not have insurance to cover these repairs. She explains that "accidental damage" coverage is usually an add-on to the main policy, and she reminds teachers that home improvements add to a home's value and also increase insurance costs. INSET: Beware of the botch-up: Get the right cover.

The author offers advice for British teachers on saving money on currency exchange and credit card fees during foreign travel. She explains that, with a little planning, one can get commission-free money exchange and have the currency delivered to home or a nearby location. She explains that exchange rates can be compared at the "Travel Money Maximiser" website. She also provides information on credit and debit card fees and lists several cards that charge no exchange fee.

The article recommends affordable holiday options, meant to help British teachers manage their money. The author discusses sponsored travel in cooperation with charities, such as trips offered by Action Aid, working holidays, such as putting one's restoration skills into the Chateau de St. Ferriol in France, house swapping, and being an air courier. Information on Internet resources for travel planning is included.

The author discusses art purchases as both an emotional and financial investment for British teachers. She describes England's Affordable Art Fair, which takes place annually in London and Bristol and displays the works of international artists. Fair director Nick Wheeler says people should buy art only if they love it, as prices can go down as easily as they can go up. The author recommends talking with gallery owners about the artist, checking prices, and considering student work for purchase.

The article presents financial advice for British teachers. The author cautions teachers about exit fees that may be included in contracts and agreements, making it difficult to get out of gym memberships, Internet service contracts, and mortgages, for example. She passes along advice from the consumer assistance organization "Which?" She recommends negotiating with current service providers, reading agreements carefully before signing, and questioning release clauses from the beginning.

The article presents financial advice for British teachers. Ownership of a racing dog or horse is described as a possible money-making option, with the author noting that dog ownership is the most affordable for beginners. The expenses associated with owning and training a Greyhound racing dog or a racehorse are outlined, as are the potential prize winnings for each. Co-ownership of both dogs and horses is offered as an option, and Internet resources for information are included.

The article presents personal financial advice for British teachers. The author recommends simple cost-cutting measures that can be carried out daily to add up to savings. Among her hints are ways to save and use leftover food, substitute for expensive food, shop for the best bargain, reuse and recycle food waste and containers, buy secondhand, save money on outings, use multipurpose products, and buy in bulk.

The article presents personal finance advice for British teachers. The author explains that British law, as of May 2007, does not allow banks to profit from fees charges, such as those for overdrafts, and she recommends taking the time to write to one's bank to reclaim fees if they are believed to be excessive. A template for a claim letter is available online, and she outlines the steps to preparing a claim and following up with the bank, if necessary.

The article presents financial advice for British teachers. The author explains that the practice of transferring credit card balances in order to take advantage of zero-percent interest offers can result in a company refusing credit for several reasons. She advises checking one's credit rating periodically, making a financial plan, and clearing credit card debt. A credit score quiz from Equifax is included. INSET: Take the credit score test.

The article presents financial advice for British teachers. The author recommends starting a new financial year in April 2007 and making and sticking to resolutions that will help teachers manage their finances. Suggestions include organizing files in April and shredding what is no longer needed, starting a vacation account in May, and checking mortgage rates in June.

The article presents financial advice for British teachers. The author warns readers to read the fine print on options for Individual Savings Accounts (ISAs). Financial data company Moneyfacts reports that, in the eight years leading up to 2007, banks lowered their advertised interest rates to the point that the tax-exempt status of the accounts is offset. The author recommends keeping track of interest rates and moving money out of poorly-paying ISAs.

The article reports on how British schools are structuring their teachers' pay under the new teaching and learning responsibility regime. Teachers who once received management allowances for their managerial tasks will now receive responsibility payments. Most teachers are making out better under the new plan, with losses for senior teachers and history, geography and music teachers.

Focuses on the actions taken by several educational association to increase the salary of teachers and education support professionals in the U.S. Negotiation of the New Jersey Education Association with the state's local government to increase the annual compensation of teachers; Approach taken by the Helena Education Association in Montana to convince school districts to increase the compensation of teachers; Efforts of the Washington Education Association to improve teachers' compensation.

Presents views and insights of the author about the financial security of piano teachers. Comparison of the professional fees of a piano teacher with other professions; Assertion of the author that teaching is a public service and never been a profitable position; Views of the author on raising the minimum fee for a half-hour studio lesson; Claim of the author that asking him for the price of his services irritates him the most.

Focuses on the quality of life of teachers in the U.S. Average teacher's salary; Impact of teachers taking extra jobs on the quality of education and their respect to the profession; Experiences of several teachers doing extra jobs.