I read the problem as “Sometimes I care more about the money than about the kids I work with, and I don’t like that feeling. How do I focus on doing a good job regardless of the amount I make?”
If that’s your question, then remind yourself why you got into teaching in the first place. Don’t look so frequently at YNAB or your charts. Maybe give yourself a limit of only checking once per wee. Identify the things in life that bring meaning or joy to you, then start to work those things into your current life.
As an aside, if you are single and mobile and have a proper teaching license, have you ever considered going on the international school circuit? USD $4000-$6000 monthly after tax salary, free housing, free flights home once per year...it’s a great way to turbo charge your stache. There’s a high demand for qualified teachers and you get good job experience. Jobs are quite plentiful.