FAST-Action Blog

Resources & Strategies for Florida Teachers

budget-teaching by Maria Santos

Stop Spending Your Own Money: A Manifesto

Last Tuesday, I caught myself reaching for my wallet at Target. Again. There was this adorable set of reading corner pillows on clearance, and my brain immediately went to "Oh, the kids would love these!" Then I stopped myself mid-reach and asked the question that changed everything: Why am I buying supplies for a job that already exists?

That moment was my wake-up call, and honestly, it was about twenty years too late.

The Teacher Tax We Never Signed Up For

Let's be real about something we all know but rarely say out loud. We're subsidizing our own profession, and it's not okay.

I calculated it once (big mistake). Over my 22 years of teaching, I've probably spent close to $15,000 of my own money on classroom supplies, decorations, snacks, rewards, and materials. That's almost a year of my car payments, mijas.

And for what? So I could do my job properly? So my students could have what they need to learn?

The more I thought about it, the angrier I got. Not at my students, not at their families, but at a system that has normalized teachers reaching into their own pockets to make education work.

When "Going Above and Beyond" Becomes the Baseline

Here's what happened to us. Somewhere along the way, spending our own money stopped being "going above and beyond" and became just part of the job description. We've been so conditioned to make it work with whatever we have that we forgot to ask why we don't have what we need in the first place.

I remember my first year teaching. My mentor teacher, Mrs. Rodriguez, showed me her closet full of supplies she'd bought herself. "You'll need to stock up over the summer," she said, like it was the most natural thing in the world.

And I did. For twenty-one years, I did.

But not anymore.

The Guilt Trip That Keeps Us Broke

The hardest part about stopping isn't the logistics. It's the guilt.

"But the children need it." "It's only $20." "I can afford it this month." "If I don't buy it, who will?"

Sound familiar? These are the thoughts that kept me shopping in the teacher supply aisles for two decades.

But here's what I finally realized: every time I buy something my classroom needs, I'm sending a message that it's okay for schools to underfund education. I'm enabling a broken system.

My student Jayden doesn't need me to go broke buying him pencils. He needs a system that provides pencils. There's a difference.

What Changed My Mind (Besides My Bank Account)

Two things happened that made me finally draw the line.

First, my husband Carlos asked me a simple question: "If the county doesn't think your classroom needs new books badly enough to buy them, why do you?"

Ay, dios mio. That hit hard.

Second, I realized I was teaching my own kids terrible lessons about money and boundaries. When Marcus asked why I was always buying stuff for "other people's kids" but we couldn't afford family vacations, I didn't have a good answer.

My New Rules (And How They're Working)

Here's my manifesto, the rules I live by now:

Rule #1: My classroom budget is my classroom budget. Period. If it's not in the school budget, it doesn't exist in my classroom. Harsh? Maybe. Necessary? Absolutely.

Rule #2: I redirect my teacher energy, not my teacher money. Instead of buying supplies, I spend that time writing grant applications, organizing fundraisers, or advocating at school board meetings. Much better use of my talents.

Rule #3: I get creative with what I have. Remember when we were student teachers and had to make everything work with nothing? Those skills didn't disappear. We just got lazy because our wallets were there to bail us out.

Rule #4: I involve parents and the community properly. Instead of quietly subsidizing my classroom, I'm transparent about what we need and ask for help the right way. You'd be surprised how many people want to help when you actually ask.

The Pushback Is Real (But So Are the Benefits)

Not everyone loves my new approach. I've gotten some side-eye from colleagues who think I'm being "difficult" or "not putting kids first."

But here's what's actually happened since I stopped spending my own money:

My principal finally approved that science materials request that had been "pending" for two years. Funny how quickly things move when there's no backup plan.

I got three parents to organize a classroom supply drive that brought in more materials than I would have bought all year.

I found two grants I never would have applied for when I was just buying things myself.

And most importantly, I'm modeling healthy boundaries for my students. They're seeing an adult who values herself enough not to work for free.

Practical Steps to Break the Habit

If you're ready to join me in this rebellion, here's how to start:

Set a firm monthly limit. Mine is $0, but if you need to wean yourself off gradually, pick a number and stick to it. Write it on a sticky note in your wallet.

Make a "wish list" instead of shopping. When you see something you want for your classroom, write it down instead of buying it. Then use that list for grant applications or parent requests.

Find your grant-writing buddy. Partner with another teacher and commit to applying for one grant per month together. Make it a wine-and-whining session if you have to.

Practice saying "We'll have to make do." It feels weird at first, but it gets easier. And it's honest.

The Bigger Picture

Look, I'm not heartless. I know our kids need things, and I know we want to provide them. But we can't keep propping up a system that underfunds education by quietly filling in the gaps with our grocery money.

Every time we buy what our schools should provide, we make it easier for administrators and politicians to keep education budgets low. We're part of the problem.

Your Turn to Draw the Line

I challenge you to try this for one month. One month of not spending your own money on your classroom. See what happens. See what gets prioritized differently when your wallet isn't there as a safety net.

Will some things not get done? Probably. Will some lessons be less Pinterest-perfect? Definitely. Will your students still learn and grow and thrive? Absolutely.

Because here's the truth we sometimes forget: we are enough. Our teaching, our care, our expertise, our time. That's what changes lives, not the cute bulletin board borders we bought at Dollar Tree.

Your students need you healthy, financially stable, and setting good boundaries way more than they need another set of fancy markers.

It's time to stop funding our own profession, mijas. Who's with me?

Maria Santos

Maria has been teaching 4th grade in Tampa, Florida for 22 years. Known as "the math whisperer" among her colleagues, she writes about the real challenges and victories of teaching in Florida's public schools.

When she's not grading papers or creating lesson plans, you can find Maria at her local teacher supply store (with coupons in hand) or sharing teaching tips over cafecito with her teacher friends.

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