P E R S O N A L F I N A N C I A L M A N A G E M E N T P R O G R A M Money and the Move

M O N E Y A N D T H E M O V E2 Money and the Move Travel pay and allowances Financial planning for transfers Moving expenses Ways to save Resources Travel pay and allowances Financial planning for transfers Moving expenses Ways to save Resources

M O N E Y A N D T H E M O V E3 Travel Pay and Allowances Per Diem Allowance PCS Mileage (aka MALT) Dislocation Allowance (DLA) Temporary Lodging Expense (TLE) Per Diem Allowance PCS Mileage (aka MALT) Dislocation Allowance (DLA) Temporary Lodging Expense (TLE)

M O N E Y A N D T H E M O V E4 Moving Overseas? Overseas Housing Allowance (OHA) Move-in-Housing Allowance (MIHA) Temporary Lodging Allowance (TLA) Cost of Living Allowance (COLA) Overseas Housing Allowance (OHA) Move-in-Housing Allowance (MIHA) Temporary Lodging Allowance (TLA) Cost of Living Allowance (COLA)

M O N E Y A N D T H E M O V E5 Entitlements Requiring Payback Advance Pay Advance Housing Allowance Advance Pay Advance Housing Allowance

M O N E Y A N D T H E M O V E6 The Importance of Financial Planning for Transfers Planning is the key Planning worksheets – Financial Planning Worksheet for a PCS Move – Estimating Travel Costs and Reimbursements Planning is the key Planning worksheets – Financial Planning Worksheet for a PCS Move – Estimating Travel Costs and Reimbursements

M O N E Y A N D T H E M O V E7 Financial Planning Worksheet for a PCS Move Income Expenses

M O N E Y A N D T H E M O V E8 Estimating Travel Costs & Reimbursements

M O N E Y A N D T H E M O V E9 PCS Transfer Expenses House hunting trip Move out Exceeding weight limitations Insurance Creditor and Credit Reports House hunting trip Move out Exceeding weight limitations Insurance Creditor and Credit Reports

M O N E Y A N D T H E M O V E10 PCS Transfer Expenses Miscellaneous Expenses Loss of spouses income Medical and Dental Pets Passports and Visas Car Preparation Miscellaneous Expenses Loss of spouses income Medical and Dental Pets Passports and Visas Car Preparation

M O N E Y A N D T H E M O V E11 POVs Government pays to ship one vehicle overseas Government pays storage fees up front Government will ship POVs stateside as long as it doesnt cost any more than to drive there Government pays to ship one vehicle overseas Government pays storage fees up front Government will ship POVs stateside as long as it doesnt cost any more than to drive there

M O N E Y A N D T H E M O V E12 Expenses In Transit Driving costs Overnight accommodations Food and miscellaneous expenses Fun Driving costs Overnight accommodations Food and miscellaneous expenses Fun

M O N E Y A N D T H E M O V E13 Expenses at New Duty Station Temporary lodging and food Laundromat Utility/telephone deposits Rental deposits/house purchase closing costs Extra long distance phone calls Temporary lodging and food Laundromat Utility/telephone deposits Rental deposits/house purchase closing costs Extra long distance phone calls

M O N E Y A N D T H E M O V E14 Expenses at New Duty Station Cleaning supplies/restocking food supplies Insurance Car registration/licenses/Personal property tax Miscellaneous Cleaning supplies/restocking food supplies Insurance Car registration/licenses/Personal property tax Miscellaneous

M O N E Y A N D T H E M O V E15 Cost Cutting Yard sales Change of address Bill paying Reference letters National providers Yard sales Change of address Bill paying Reference letters National providers

M O N E Y A N D T H E M O V E16 More Cost-Cutting Ideas Checking and saving accounts Loan pre-qualification/pre-approval Military facilities Dependent healthcare Sponsor WIC Checking and saving accounts Loan pre-qualification/pre-approval Military facilities Dependent healthcare Sponsor WIC

M O N E Y A N D T H E M O V E17 Who Can Help? Command Financial Specialist Fleet and Family Support Center Personal Property Shipping Office PSD or Disbursing Clerk Navy-Marine Corps Relief Society Command Financial Specialist Fleet and Family Support Center Personal Property Shipping Office PSD or Disbursing Clerk Navy-Marine Corps Relief Society

M O N E Y A N D T H E M O V E18 Helpful Web Sites for the Military Move See the websites listed on the Financial Planning Worksheet for a PCS Move

M O N E Y A N D T H E M O V E19 Summary Financial planning Travel pay and allowances Expenses Ways to save Resources Financial planning Travel pay and allowances Expenses Ways to save Resources

M O N E Y A N D T H E M O V E20 Print Your Certificate Click on the following link to add your name to the certificate and print it: Money and the Move Click on the following link to add your name to the certificate and print it: Money and the Move