Not Diva Jen, but it sounds like you need to save 25% of those paychecks and budget to live on the 75% remaining. Then draw off the savings during the summer.
So if your paycheck is $2000/month, bank $500 each month, live on the other $1500. $500 x 9 months = $4500. Take out $1500/month in July, August and September, then start over for the next year.
Man, that requires a hideous amount of discipline. Yet another reason I'd never make it as a teacher!
