Where to Spend, Where to Save

Author Danny Kofke provides practical tips on budgeting, saving, and spending wisely. This practical guide walks readers through foundational steps—from structuring a working budget to planning to buy a home—to help build savings, improve credit, and knock out debt. With advice on loans, insurance, and retirement, this is the go-to guide for educators to build lasting financial success.

Beginning K–12 teachers can use this book to:

• Create a working budget to facilitate comfortable living on a limited salary
• Understand how their credit score impacts their finances and how they can improve their score
• Develop effective savings to accomplish long- and short-term financial goals
• Strategize to reduce student loan debt without compromising necessary cash flow
• Plan more effectively for major future investments and significant life events

Contents:
Introduction
Chapter 1: Budget on a Teacher’s Salary
Chapter 2: Save More in the Short and Long Term
Chapter 3: Spend Less
Chapter 4: Protect What Matters
Chapter 5: Understand Your Credit Score
Chapter 6: Eliminate Your Debt
Chapter 7: Understand How to Buy a House and Manage a Mortgage
Chapter 8: Plan Your Legacy
Conclusion: What Really Matters
References
Index