teaching english in south korea has been a rewarding experience in many ways and i would easily recommend it to any number of people. this isn’t regardless of the cultural struggles i’ve encountered but actually because of them. i’ve learned a ton about this little country and it’s struggle to stay autonomous and self-identified. my recent efforts to learn about its history have helped me understand why korean culture is what it is today. this has shed an enormously sobering light on my worldview, my life plans, and my overall outlook on life. i can easily say i will never be the same again.
that being said, there is one constant disappointment that i face every month: my paycheck.
i’m not alone on this. thousands of foreign english teachers come here every year under the promise of generous paychecks and rent-free accommodations overseas. in an economy where less than 50% of recent college graduates are currently employed full time in the u.s., this is a tantalizing offer, but only a handful of the recruits see their finances actually pan out as expected.
those of us who work at private academies are especially susceptible to a rude awakening when it comes to pay day. for the gazillions of recent college grads who are hoping to travel and still be able to pay their student loans (averaging more than $30,000 for most students in the U.S.) or just left over credit card debt from college, this rude awakening can be just the shit the fan was hungry for.
a word of caution: while there are countless reasons to teach english abroad, money should not be at the forefront. and if it is, make sure you have a full understanding of what your income will be every month throughout the year and take into consideration your total cost of living (including your bills back home) to budget accordingly.
after the bills and the paycheck deductions that are taken out each month, i find that my fancy little bottom line salary is actually less than what i was making back home and yet somehow, even with free rent, my monthly bills are higher. i find i’m actually struggling to pay my bills on time because i’ve overshot the amount i’d be making here every month.
here’s a few pit-falls that can diminish your actual pay while abroad. some of them are avoidable during your contract negotiation period. some of them are inevitable.
1. utilities
i knew i would be paying my own apartment utilities in korea but i didn’t think anything of it because the most i’d ever paid for a heating bill in california was a whopping $50. and that amount was then split between four people in a split level town house. in total, my monthly utility bills never even reached $100.
so you can imagine how surprised i was when i got my first 300,000 KRW heating bill during my first korean winter. a one-room apartment in daegu, korea is cheaper than that, so even though i’m not paying rent on my apartment, i paid a rent’s worth in utilities all winter long. you can imagine my suspicion when i got the next month’s bill- even more than the last- after turning off the heat altogether and dressing in layers inside the apartment 24/7. you can imagine my outrage when the bills continued to increase all winter long- regardless of my extreme attempts to reduce the bill (cold showers in the dead of winter, anyone?).
if you plan on living in an actual apartment, and not a one-room, be wary of this choice. apartments are convenient because they have door men that sit in little guard boxes by the downstairs steps and look cute and because they have a place to put all your garbage and stuff. but you pay for all of that, plus the landscaping and the parking facilities that you won’t use because you likely won’t have a car and the ajumma who very sweetly sweeps the steps once a week with her hand broom. apartments come with ambiguous averaged monthly bills ranging from 50,000-80,000 KRW per month. they cover the costs of these little perks you would think would come included in rent.
it’s easy to get sucked into the smart phone culture anywhere you are in the world. before coming here, i was already completely iphone-dependent and my coteacher told me this would be the best phone to get because it was known for being more foreigner-user friendly.
well, the iphone is also one of the most expensive cellphones you can get in korea. so, the myths i heard about it being sold here for a fraction of the price just aren’t true. a minimalist plan will run you about 80,000 KRW per month, if you sign a two-year contract under your employer’s name. it’s roughly the same in the u.s. if you agree to a shorter contract period, the bill will be higher. but of course, if you agree to a longer contract period, it will be smaller.
cutting out of the contract early will run you about 500,000 KRW, according to my carrier.
not including the cellphone or yoga classes (175,000 KRW per month for both), my monthly utility bills from december through april were more than 400,000 KRW (luckily i have a roommate so we split the cost) each and every month.
if you’re making the standard 2 million KRW per month, this is more than 20% of your monthly income (more than 10% if you’re splitting the bills with a roommate). i say it’s more than 10% because:
2. paycheck deductions
if you’re signed on for a 2 million KRW/month salary, as many teachers are, expect to pay 230,00 KRW per month towards deductions. they include:
just like in the states, taxes and other deductions will be taken out of your paycheck each month. your employer is required by korean law to offer you the option of health care (about 70,000 KRW/month) and pension (about 100,000 KRW/month). it is definitely to your advantage to take the health care, because you will be susceptible to new stressors, environmental toxins, bacteria, and viruses while abroad. in korea, your insurance covers things like acupuncture so the price per treatment is significantly reduced if you opt into the insurance plan.
pension is also good because you get all the money back at the end of the year. the more you put away towards your pension each month, the bigger pay off you’ll have at the end of your contract.
even still, it’s important to understand how these things will affect your paycheck every month so that you are prepared.
3. contract loopholes
overall, deductions are not your paycheck’s worst enemy, but contract loopholes can be. i’ve heard horror stories of employers who purposefully plant loopholes into contracts to get the most from their teachers for less money, sometimes leaving their foreign teachers unable to pay their bills back home.
this isn’t necessarily because the employers themselves are evil or selfish. keep in mind that this is a country with astonishingly low minimum wage where even full time korean teachers are expected to work an average of 12 hours a day or more on modest salaries without any over time pay. foreign teachers are treated like royalty compared to the locals, and since foreign cultural immersion is still relatively new to korea, there are still a handful of employers who will hold their foreign teachers to the same or similar standards as their korean teachers.
a word of caution: if you have friends in korea, have them go and check out the school that is recruiting you. facebook groups such as InDaegu and Daegu Info Group are both good resources for people currently living in korea and planning to come to korea. add yourself to a group and ask around if anyone has heard of the school. does the school have other foreign teachers that you can get in touch with?
another word of caution: read your contract carefully. make someone you trust read your contract carefully. make sure you trust that person’s ability to find any possible loopholes. make sure you understand every detail of your contract. do not rely on anyone else to explain it for you. it must be put into writing just as you understand it.
make sure your contract includes:
1. a detailed description of how your overtime pay will be calculated and dispersed.
2. a detailed description of your schedule requirements and pay per month, for the entire contract year.
here’s why:
especially if you’re working at a hagwon, or private academy, you can expect to have lulls in your work. there will be periods when the students have month-long exam prep time. for hagwon workers, this could mean you will go from teaching five or six classes a day to teaching one or zero classes a day for a month or longer at a time.
if you’re an epic teacher, there’s a good chance that your monthly salary is hammered into stone and schedule changes won’t affect you. but if you’re working at a private academy, your employer may not pay you for the time you haven’t worked. instead, your employer will either deduct a set amount of money from your salary or pay you by the hour like a part-time employee.
there are employers out there, however, who will agree to pay you the same amount each month for every single month within the contract year. if you’re coming to korea hoping to crunch some dollars, look for those employers.
since testing can last four weeks or more, this could cut your salary down to 1/8 of what it usually is. and it happens several times throughout the year.
what you can do about it:
make sure your contract includes a minimum amount of hours to be worked every day. make sure your contract clearly states what your hourly rate is. make sure this amount is calculated after deductions have been taken into consideration.
or, if you’re open to take the time off, make sure your contract clearly states when your hours will be cut and how this will affect your pay. make sure it is put in a way that you understand. this way you will be able to refer to your contract and plan for these months ahead of time.
4. the initial investment
coming to korea doesn’t cost a lot of money, especially since your employer will reimburse you for your flight over here. but make sure to bring enough cash to get you through the initial first two months, when you may be experiencing culture shock and waiting for your employer’s reimbursements to come in. also make sure to leave enough money in your bank back home to pay your at-home bills for the first few months. having to worry about wiring money home right away will only add stress to your adjustment.
while your employer will reimburse your flight, the reimbursement might not come right away. make sure it clearly states in your contract when your employer is required to reimburse you (example: within 30 days of arrival is pretty standard).
also make sure that it clearly states in your contract when your employer will pay you each month. this may or may not prevent your employer from paying you late, but you should at least make sure to have it in the contract regardless.
another popular option: some foreign teachers have been able to earn extra money by doing side jobs like private tutoring, but they risk the scorn of the korean government and exportation. furthermore, teachers working for hagwons could have a difficult time finding extra work in the mornings, when most students are in school. but this all depends on where they are located. teachers situated close to a university campus, for instance, may have an easier time finding pupils with flexible schedules.
koreans will be the first ones to complain about the fact that money is such a large motivator for english teachers here, with “cultural immersion” trailing far behind on the list of motivators. i can’t blame them for complaining. i would also feel a little butt hurt if outside countries were repetitively invading my borders and screwing my shit up left and right. then, finally, when i reopen my borders to join the rest of the world in globalization, i am suddenly flooded with loud, drunken, inexperienced college kids fresh out of senior year toting around big salaries and job perks that i don’t even have and snubbing their noses at my bondaegee.
but in all fairness, it’s not that most foreigners come here with the sole intention of completely blowing off korean culture and running off with a massive wad of cash. we’re just totally flat broke! and just like korea itself, we too are trying to lift ourselves up by our own boot straps by gaining some job experience, travel life experience, and a pay check all at once. besides, it’s nearly impossible for a foreigner to keep his/her blinders on for a whole year and, in time, many of them become more understanding, curious, and accepting of their surroundings and coworkers (in theory).
it’s true that no matter how bad your finances are, and no matter how rough your initial adjust to korea may be, at the end of the year you are still a visitor and an ambassador for your country. the impressions you make with the people you meet, namely your employer, have a major impact on koreans’ overall perspective of and relationship with all foreigners.
this is something even the most culturally sensitive and experienced people can forget, especially after experiencing an especially aggressive staring contest in the subway. i am an amateur, so i forget it all the time.
but it helps to remind myself to keep my chin up and stay as delusionally optimistic as possible. even the smallest efforts to learn the language and history have dramatically improved my experience and earned me a few invaluable korean side kicks.
so i say this: if things don’t go as you’d expected in the beginning, just wait. patience and understanding are the backdoor to korea’s most meaningful gifts and opportunities.