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Media Kit for Community Leaders

Media Kit for Community Leaders

Whether you’re a military spouse looking for content to share in your local community or you’re running social media for an organization serving the military community – we have you covered!

Explore our library of trusted ready-made social media posts. You can search by a particular topic or scroll through some of our most popular posts. Feel free to pick a topic of interest then use our copy and graphics to share with your social media audience.

Be sure to check back periodically as we aim to keep this content fresh with our trending topics for you to share on your own social platforms. Please keep in mind content is subject to change.

How to use these resources:

  1. Use the filters below to find the post or content to share on a social media platform.
  2. Download any images, PDFs or supporting graphics for your post.
  3. Review the suggested text, hashtags and URLs.
  4. Make edits to the suggested text to make it in your own voice.

Types of Resources:

Group 55

Images

Group 54

Graphics

Group 56

Videos

Photo Media Type

PCS Expenses

Media Kit Category PCS
View/Copy Text, Hashtags, & URLs Open Item Content Close Item Content
https://www.milspousemoneymission.org/military-lifecycle-permanent-change-of-station-pcs/ Copy Post URL Copy Post URL
https://www.milspousemoneymission.org/military-lifecycle-permanent-change-of-station-pcs/ Visit Post Url Visit Post URL
From travel costs ⛽ to overnight lodging 🏨, knowing how to best track your PCS expenses can be challenging. We've got 2️⃣ handy worksheets to help you take the first steps Copy Post Text Copy Post Text

Photo Media Type

Retirement Planning

Media Kit Category Planning for the Future
View/Copy Text, Hashtags, & URLs Open Item Content Close Item Content
https://www.milspousemoneymission.org/military-spouse-tip/retirement-begin-saving-early/ Copy Post URL Copy Post URL
https://www.milspousemoneymission.org/military-spouse-tip/retirement-begin-saving-early/ Visit Post Url Visit Post URL
The best time ⌚ to start investing for retirement is now 📌! Learn how you can start planning and contributing today: Copy Post Text Copy Post Text

Photo Media Type

Program Promotion

Media Kit Category Program Promotion
View/Copy Text, Hashtags, & URLs Open Item Content Close Item Content
https://www.milspousemoneymission.org/enewsletter-archives/ Copy Post URL Copy Post URL
https://www.milspousemoneymission.org/enewsletter-archives/ Visit Post Url Visit Post URL
Get 🔥 financial resources sent right to your inbox 📬 with the MilSpouse Money Mission eNewsletter. Sign up today ⬇️: Copy Post Text Copy Post Text

Photo Media Type

National Pet Day

Media Kit Category Pets
View/Copy Text, Hashtags, & URLs Open Item Content Close Item Content
https://www.milspousemoneymission.org/taking-ownership-of-your-budget-while-owning-a-pet/ Copy Post URL Copy Post URL
https://www.milspousemoneymission.org/taking-ownership-of-your-budget-while-owning-a-pet/ Visit Post Url Visit Post URL
It’s National Pet Day 🐶🐱 ! We know you ❤️ your four-legged best friend like no other, and a big part of that means setting aside 💲💲💲 for their care. We’ve got tips to help you get started: Copy Post Text Copy Post Text

Photo Media Type

Money and Kids

Media Kit Category Money and Kids
View/Copy Text, Hashtags, & URLs Open Item Content Close Item Content
https://www.milspousemoneymission.org/military-spouse-raising-financial-fit-kids/ Copy Post URL Copy Post URL
https://www.milspousemoneymission.org/military-spouse-raising-financial-fit-kids/ Visit Post Url Visit Post URL
Think it’s time ⏰ you started teaching your kids about 💲💲? Check out these money smart tips, tools and resources to set your MilKids up for 💵 success: Copy Post Text Copy Post Text

Photo Media Type

Divorce

Media Kit Category Divorce
View/Copy Text, Hashtags, & URLs Open Item Content Close Item Content
https://www.milspousemoneymission.org/divorce-touchpoint/ Copy Post URL Copy Post URL
https://www.milspousemoneymission.org/divorce-touchpoint/ Visit Post Url Visit Post URL
If you are going through the process of ending your marriage, our new divorce section can walk you through financial considerations. Our resources will help you understand your rights as a MilSpouse and learn how to re-establish an emergency fund during this transition: Copy Post Text Copy Post Text

Photo Media Type

Vacation Planning

Media Kit Category Vacation Planning
View/Copy Text, Hashtags, & URLs Open Item Content Close Item Content
https://www.milspousemoneymission.org/planning-a-vacation-after-a-deployment-learn-how-joderle-saves-for-their-trips/ Copy Post URL Copy Post URL
https://www.milspousemoneymission.org/planning-a-vacation-after-a-deployment-learn-how-joderle-saves-for-their-trips/ Visit Post Url Visit Post URL
Have you started planning your family’s summer vacation? ⛱ Here are our top three tips to help you get your finances vacation-ready in advance: Copy Post Text Copy Post Text

Photo Media Type

Setting Financial Goals

Media Kit Category Planning for the Future
View/Copy Text, Hashtags, & URLs Open Item Content Close Item Content
https://www.milspousemoneymission.org/goal-setting/ Copy Post URL Copy Post URL
https://www.milspousemoneymission.org/goal-setting/ Visit Post Url Visit Post URL
Financial planning begins with a goal in mind. Plan for a secure future by asking yourself what, when, how and why. We're here to help you get started: Copy Post Text Copy Post Text

Photo Media Type

Divorce

Media Kit Category Divorce
View/Copy Text, Hashtags, & URLs Open Item Content Close Item Content
https://www.milspousemoneymission.org/financial-considerations-when-going-through-a-divorce/ Copy Post URL Copy Post URL
https://www.milspousemoneymission.org/financial-considerations-when-going-through-a-divorce/ Visit Post Url Visit Post URL
Divorce can be a challenging time and untangling your finances from your spouse’s can be a complicated process. Check out this blog to find access to support as you work through this life event: Copy Post Text Copy Post Text

Photo Media Type

Goal Planning

Media Kit Category Planning for the Future
View/Copy Text, Hashtags, & URLs Open Item Content Close Item Content
https://www.milspousemoneymission.org/staying-on-track-with-your-financial-goals/ Copy Post URL Copy Post URL
https://www.milspousemoneymission.org/staying-on-track-with-your-financial-goals/ Visit Post Url Visit Post URL
The time to take control of your financial future is right now! Check on your financial goals regularly so you can see what is working and what needs improvement: Copy Post Text Copy Post Text

Photo Media Type

National Wedding Month

Media Kit Category Marriage
View/Copy Text, Hashtags, & URLs Open Item Content Close Item Content
https://www.milspousemoneymission.org/new-military-spouses-marriage-touchpoint/ Copy Post URL Copy Post URL
https://www.milspousemoneymission.org/new-military-spouses-marriage-touchpoint/ Visit Post Url Visit Post URL
It’s National Wedding Month 🔔. If you recently married a service member, dive into our MilSpouse checklist for financial tips and resources as you begin this new chapter: Copy Post Text Copy Post Text

Photo Media Type

MilLife

Media Kit Category Spending Habits
View/Copy Text, Hashtags, & URLs Open Item Content Close Item Content
https://www.milspousemoneymission.org/wp-content/uploads/2020/07/M3-Personal-Financial-Values-2.pdf Copy Post URL Copy Post URL
https://www.milspousemoneymission.org/wp-content/uploads/2020/07/M3-Personal-Financial-Values-2.pdf Visit Post Url Visit Post URL
Are you more focused on having a 🏋️‍♀️ gym membership or saving money for a 🏡 home? What you consider to be a luxury, your spouse may consider a necessity. Use this worksheet to find out how your financial values may differ: Copy Post Text Copy Post Text

Photo Media Type

Communication About Money

Media Kit Category Communication About Money
View/Copy Text, Hashtags, & URLs Open Item Content Close Item Content
https://www.milspousemoneymission.org/wp-content/uploads/2020/07/M3-My-Rating-as-a-Money-Manager-3.pdf Copy Post URL Copy Post URL
https://www.milspousemoneymission.org/wp-content/uploads/2020/07/M3-My-Rating-as-a-Money-Manager-3.pdf Visit Post Url Visit Post URL
Do you or your spouse often worry about money? Take a short multiple-choice quiz to learn and discuss how you each manage finances: Copy Post Text Copy Post Text

Photo Media Type

Communication About Money

Media Kit Category Communication About Money
View/Copy Text, Hashtags, & URLs Open Item Content Close Item Content
https://www.milspousemoneymission.org/talking-love-and-money/ Copy Post URL Copy Post URL
https://www.milspousemoneymission.org/talking-love-and-money/ Visit Post Url Visit Post URL
Conversations about the future are a great way to start a discussion about money. Check out our latest blog about connecting with your partner on topics like financial planning and setting financial goals: Copy Post Text Copy Post Text

Photo Media Type

Spouse Employment

Media Kit Category Spouse Employment
View/Copy Text, Hashtags, & URLs Open Item Content Close Item Content
https://www.milspousemoneymission.org/spouse-employment-touchpoint/ Copy Post URL Copy Post URL
https://www.milspousemoneymission.org/spouse-employment-touchpoint/ Visit Post Url Visit Post URL
🚀 We are excited to launch a 🆕 topic on our website – spouse employment! Whether you have a boss or you’re self-employed, we have resources to help MilSpouses seek and maintain employment: Copy Post Text Copy Post Text

Photo Media Type

Identity Theft Awareness Week

Media Kit Category Identity Theft
View/Copy Text, Hashtags, & URLs Open Item Content Close Item Content
https://www.milspousemoneymission.org/protect-identity/ Copy Post URL Copy Post URL
https://www.milspousemoneymission.org/protect-identity/ Visit Post Url Visit Post URL
⚠️ It’s Identity Theft Awareness Week! Be sure to safeguard your personal information, look for warning signs and follow these simple steps to protect your MilFam from identity theft: Copy Post Text Copy Post Text

Photo Media Type

Identity Theft

Media Kit Category Identity Theft
View/Copy Text, Hashtags, & URLs Open Item Content Close Item Content
https://www.milspousemoneymission.org/military-consumer-protection/ Copy Post URL Copy Post URL
https://www.milspousemoneymission.org/military-consumer-protection/ Visit Post Url Visit Post URL
Did you know you can place a no-cost fraud alert on your credit cards as an additional layer of protection? Learn about more ways to protect your MilFam from identity theft: Copy Post Text Copy Post Text

Photo Media Type

National Spouses Day

Media Kit Category Holidays
View/Copy Text, Hashtags, & URLs Open Item Content Close Item Content
This National Spouses Day, we would like to celebrate all MilSpouses for their bravery and resilience! ❤️ Give yourself a round of applause 👏 for everything you do in your community, in the workforce, and at home - you deserve it! Copy Post Text Copy Post Text

Photo Media Type

Emergency Fund

Media Kit Category Emergency Fund
View/Copy Text, Hashtags, & URLs Open Item Content Close Item Content
https://www.milspousemoneymission.org/military-spouse-tip/build-your-emergency-fund-step-by-step/ Copy Post URL Copy Post URL
https://www.milspousemoneymission.org/military-spouse-tip/build-your-emergency-fund-step-by-step/ Visit Post Url Visit Post URL
Want to start building your emergency fund? See how May, a MilSpouse from Luke AFB, started putting money aside for unexpected expenses. For more tips, check out our MilCommunity: Copy Post Text Copy Post Text

Photo Media Type

Financial Tips for MilLife

Media Kit Category Financial Resources for Military Life
View/Copy Text, Hashtags, & URLs Open Item Content Close Item Content
https://www.milspousemoneymission.org/millife-milestones-touchpoints/ Copy Post URL Copy Post URL
https://www.milspousemoneymission.org/millife-milestones-touchpoints/ Visit Post Url Visit Post URL
📆 What are your aspirations for the new year? If you’re getting married, having a baby or planning for deployment, we have financial tips to help you during each stage of your MilLife: Copy Post Text Copy Post Text

Photo Media Type

Maximizing Finances After Promotion

Media Kit Category Financial Resources for Military Life
View/Copy Text, Hashtags, & URLs Open Item Content Close Item Content
https://www.milspousemoneymission.org/military-lifecycle-promotion-touchpoint/ Copy Post URL Copy Post URL
https://www.milspousemoneymission.org/military-lifecycle-promotion-touchpoint/ Visit Post Url Visit Post URL
A job promotion with a pay raise is a great opportunity to not only celebrate, but also reevaluate your budget. Consider a few key steps that will maximize your family’s finances: Copy Post Text Copy Post Text

Photo Media Type

Communication About Money

Media Kit Category Communication About Money
View/Copy Text, Hashtags, & URLs Open Item Content Close Item Content
https://www.milspousemoneymission.org/dinner-and-a-spreadsheet/ Copy Post URL Copy Post URL
https://www.milspousemoneymission.org/dinner-and-a-spreadsheet/ Visit Post Url Visit Post URL
Set a date to review your finances and keep your MilFam’s financial goals on track. Check out our latest blog for tips to help you and your spouse spring financially ready into 2023: Copy Post Text Copy Post Text

Photo Media Type

Financial Tips from MilSpouses

Media Kit Category Financial Resources for Military Life
View/Copy Text, Hashtags, & URLs Open Item Content Close Item Content
https://www.milspousemoneymission.org/military-spouse-tips/ Copy Post URL Copy Post URL
https://www.milspousemoneymission.org/military-spouse-tips/ Visit Post Url Visit Post URL
Let’s get real about money. Our MilCommunity provides authentic financial tips from MilSpouses worldwide plus resources from our financial experts to help you deepen your knowledge: Copy Post Text Copy Post Text

Photo Media Type

Happy Thanksgiving

Media Kit Category Holidays
View/Copy Text, Hashtags, & URLs Open Item Content Close Item Content
Happy Thanksgiving! 🦃 We are thankful for our amazing MilSpouse community. What are you thankful for? Copy Post Text Copy Post Text

Photo Media Type

MyCAA Scholarship

Media Kit Category Spouse Employment
View/Copy Text, Hashtags, & URLs Open Item Content Close Item Content
https://www.milspousemoneymission.org/stay-career-competitive-with-a-mycaa-scholarship/ Copy Post URL Copy Post URL
https://www.milspousemoneymission.org/stay-career-competitive-with-a-mycaa-scholarship/ Visit Post Url Visit Post URL
Are you familiar with the MyCAA scholarship that's available to MilSpouses? Learn more about the scholarship and apply today: Copy Post Text Copy Post Text

Photo Media Type

National Adoption Month

Media Kit Category New Child
View/Copy Text, Hashtags, & URLs Open Item Content Close Item Content
https://www.milspousemoneymission.org/new-child-touchpoint/ Copy Post URL Copy Post URL
https://www.milspousemoneymission.org/new-child-touchpoint/ Visit Post Url Visit Post URL
It’s National Adoption Month! Find resources to help guide you through the financial aspects of welcoming a new child into your MilFam: Copy Post Text Copy Post Text

Photo Media Type

Avoid Holiday Debt

Media Kit Category Holidays
View/Copy Text, Hashtags, & URLs Open Item Content Close Item Content
https://www.milspousemoneymission.org/6-tips-to-avoid-a-holiday-debt-hangover/ Copy Post URL Copy Post URL
https://www.milspousemoneymission.org/6-tips-to-avoid-a-holiday-debt-hangover/ Visit Post Url Visit Post URL
Keep the holiday season fun for you and your wallet. Check out our latest blog for six ways to avoid a holiday hangover: Copy Post Text Copy Post Text

Photo Media Type

Holiday Spending

Media Kit Category Holidays
View/Copy Text, Hashtags, & URLs Open Item Content Close Item Content
https://finred.usalearning.gov/Trending/Blog/EmotionalSpending Copy Post URL Copy Post URL
https://finred.usalearning.gov/Trending/Blog/EmotionalSpending Visit Post Url Visit Post URL
Giving can be rewarding, but without proper boundaries, it can also be draining. Set a holiday spending plan and stick to it with these helpful tips: Copy Post Text Copy Post Text

Photo Media Type

National Veterans and Military Families Month

Media Kit Category Financial Resources for Military Life
View/Copy Text, Hashtags, & URLs Open Item Content Close Item Content
https://www.milspousemoneymission.org/millife-milestones-touchpoints/ Copy Post URL Copy Post URL
https://www.milspousemoneymission.org/millife-milestones-touchpoints/ Visit Post Url Visit Post URL
It’s National Veterans and Military Families Month! We have numerous resources to guide you and your MilFam through all of life’s big transitions: Copy Post Text Copy Post Text

Photo Media Type

Happy Halloween

Media Kit Category Holidays
View/Copy Text, Hashtags, & URLs Open Item Content Close Item Content
https://www.milspousemoneymission.org/from-piggy-banks-to-roth-iras-a-phased-approach-to-saving/ Copy Post URL Copy Post URL
https://www.milspousemoneymission.org/from-piggy-banks-to-roth-iras-a-phased-approach-to-saving/ Visit Post Url Visit Post URL
Happy Halloween! 🎃 Check out this treat for raising financially fit kids from our financial experts: Copy Post Text Copy Post Text

Photo Media Type

National Day of the Deployed

Media Kit Category Holidays
View/Copy Text, Hashtags, & URLs Open Item Content Close Item Content
https://www.milspousemoneymission.org/military-lifecycle-pre-deployment-touchpoint/ Copy Post URL Copy Post URL
https://www.milspousemoneymission.org/military-lifecycle-pre-deployment-touchpoint/ Visit Post Url Visit Post URL
Today, on National Day of the Deployed, we honor all our military personnel deployed around the world and their families. Thank you for your service. Copy Post Text Copy Post Text

Photo Media Type

Retirement

Media Kit Category Planning for the Future
View/Copy Text, Hashtags, & URLs Open Item Content Close Item Content
https://www.milspousemoneymission.org/plan-for-retirement-as-a-military-spouse/ Copy Post URL Copy Post URL
https://www.milspousemoneymission.org/plan-for-retirement-as-a-military-spouse/ Visit Post Url Visit Post URL
Start saving for retirement now. Read our latest blog to discover small steps that can secure your financial future: Copy Post Text Copy Post Text

Photo Media Type

Spending Habits

Media Kit Category Spending Habits
View/Copy Text, Hashtags, & URLs Open Item Content Close Item Content
https://www.milspousemoneymission.org/what-is-your-financial-personality/ Copy Post URL Copy Post URL
https://www.milspousemoneymission.org/what-is-your-financial-personality/ Visit Post Url Visit Post URL
Are you ready to improve your spending habits? Take our fun quiz to learn your money personality and share your results with us! Copy Post Text Copy Post Text

Photo Media Type

Credit Health

Media Kit Category Credit
View/Copy Text, Hashtags, & URLs Open Item Content Close Item Content
https://www.milspousemoneymission.org/military-spouse-credit-report-links/ Copy Post URL Copy Post URL
https://www.milspousemoneymission.org/military-spouse-credit-report-links/ Visit Post Url Visit Post URL
Military life may be unpredictable but managing your credit health doesn’t need to be. Check out our resources to manage and protect your credit wisely: Copy Post Text Copy Post Text

Video Media Type

Set SMART Goals

Media Kit Category Planning for the Future
View/Copy Text, Hashtags, & URLs Open Item Content Close Item Content
https://www.milspousemoneymission.org/staying-on-track-with-your-financial-goals/ Copy Post URL Copy Post URL
https://www.milspousemoneymission.org/staying-on-track-with-your-financial-goals/ Visit Post Url Visit Post URL
Day-to-day expenses add up and it’s important to stay on track of your spending. Take control of your future by setting SMART financial goals today: Copy Post Text Copy Post Text

Photo Media Type

ID Theft

Media Kit Category Identity Theft
View/Copy Text, Hashtags, & URLs Open Item Content Close Item Content
https://www.milspousemoneymission.org/military-consumer-protection/ Copy Post URL Copy Post URL
https://www.milspousemoneymission.org/military-consumer-protection/ Visit Post Url Visit Post URL
DYK service members are three times more likely to report fraud on their bank account than civilians? Identify scams with these three easy steps: Copy Post Text Copy Post Text

Photo Media Type

Taxes

Media Kit Category Taxes
View/Copy Text, Hashtags, & URLs Open Item Content Close Item Content
https://www.milspousemoneymission.org/year-end-tax-planning-for-military-families Copy Post URL Copy Post URL
https://www.milspousemoneymission.org/year-end-tax-planning-for-military-families Visit Post Url Visit Post URL
With the end of the year quickly approaching, now is the time to review and assess your year-end tax plan. Learn a few strategies to head into next tax season with confidence: Copy Post Text Copy Post Text

Photo Media Type

World Investor Week

Media Kit Category Investing
View/Copy Text, Hashtags, & URLs Open Item Content Close Item Content
https://www.milspousemoneymission.org/invest-wisely/ Copy Post URL Copy Post URL
https://www.milspousemoneymission.org/invest-wisely/ Visit Post Url Visit Post URL
It’s World Investor Week! Here are five tips to sharpen your investing know-how before you get started: Copy Post Text Copy Post Text

Photo Media Type

Retirement

Media Kit Category Planning for the Future
View/Copy Text, Hashtags, & URLs Open Item Content Close Item Content
https://www.milspousemoneymission.org/touchpoint-transition-separation-ets/?fbclid=IwAR2ETmKWNsxv5NOzw_Ryp-_SOP7CHSjDFdTaSwlTjjLAxKoY7B5zb0Pljs4 Copy Post URL Copy Post URL
https://www.milspousemoneymission.org/touchpoint-transition-separation-ets/?fbclid=IwAR2ETmKWNsxv5NOzw_Ryp-_SOP7CHSjDFdTaSwlTjjLAxKoY7B5zb0Pljs4 Visit Post Url Visit Post URL
The transition from active duty to civilian can include a major shift in lifestyle and finances. Learn about the resources available to prepare for this new phase: Copy Post Text Copy Post Text

Photo Media Type

Holidays

Media Kit Category Spending Plan
View/Copy Text, Hashtags, & URLs Open Item Content Close Item Content
https://www.milspousemoneymission.org/reduce-strain-on-your-family-spending-plan/?fbclid=IwAR2U-faKGIlLlCqjQqUO1wmeIM2IOpdfHuMtoToTyNbo8e8iDhC1UvCIb7Q Copy Post URL Copy Post URL
https://www.milspousemoneymission.org/reduce-strain-on-your-family-spending-plan/?fbclid=IwAR2U-faKGIlLlCqjQqUO1wmeIM2IOpdfHuMtoToTyNbo8e8iDhC1UvCIb7Q Visit Post Url Visit Post URL
🍂 Making smart money moves is always in season. Reduce the strain of overspending on fall activities with a budget-friendly spending plan: Copy Post Text Copy Post Text

Photo Media Type

Pre-Deployment

Media Kit Category Deployment
View/Copy Text, Hashtags, & URLs Open Item Content Close Item Content
https://www.milspousemoneymission.org/military-lifecycle-pre-deployment-touchpoint/?fbclid=IwAR3-Vucip1R6sFCxqtmltwGFpwtX3vKuSs7I7rJaRagNwLvSnTHtE7ngvaQ Copy Post URL Copy Post URL
https://www.milspousemoneymission.org/military-lifecycle-pre-deployment-touchpoint/?fbclid=IwAR3-Vucip1R6sFCxqtmltwGFpwtX3vKuSs7I7rJaRagNwLvSnTHtE7ngvaQ Visit Post Url Visit Post URL
Get ahead of the curve before your spouse deploys. Check out a variety of pre-deployment topics to reach financial success: Copy Post Text Copy Post Text

Photo Media Type

Money and Kids

Media Kit Category Money and Kids
View/Copy Text, Hashtags, & URLs Open Item Content Close Item Content
https://www.milspousemoneymission.org/life-lessons-teaching-your-milkids-about-money/ Copy Post URL Copy Post URL
https://www.milspousemoneymission.org/life-lessons-teaching-your-milkids-about-money/ Visit Post Url Visit Post URL

Photo Media Type

New Child

Media Kit Category New Child
View/Copy Text, Hashtags, & URLs Open Item Content Close Item Content
https://www.milspousemoneymission.org/new-child-touchpoint/?fbclid=IwAR1NG16Jvb6DpDTbWM6bx1RsCiG3b6umYcvOa1DnmVwdxm7h8t3j8EUP3lI Copy Post URL Copy Post URL
https://www.milspousemoneymission.org/new-child-touchpoint/?fbclid=IwAR1NG16Jvb6DpDTbWM6bx1RsCiG3b6umYcvOa1DnmVwdxm7h8t3j8EUP3lI Visit Post Url Visit Post URL
Welcoming a new child is an exciting journey that can bring many changes both big and small. 👶 Learn how to budget for your growing family and share your money savings tips below. Copy Post Text Copy Post Text

Photo Media Type

Retirement

Media Kit Category Planning for the Future
View/Copy Text, Hashtags, & URLs Open Item Content Close Item Content
https://www.milspousemoneymission.org/calculator-401k-retirement-plans/?fbclid=IwAR2FXDJMAXdW-YuzStF2y8A3omoxUr3__lvYXOJIE0USXJapvCKW3fRrHNQ Copy Post URL Copy Post URL
https://www.milspousemoneymission.org/calculator-401k-retirement-plans/?fbclid=IwAR2FXDJMAXdW-YuzStF2y8A3omoxUr3__lvYXOJIE0USXJapvCKW3fRrHNQ Visit Post Url Visit Post URL
It’s National 401K Day! 💰 Use our tools to calculate your needs, set aside money and build a secure future: Copy Post Text Copy Post Text

Photo Media Type

Insurance

Media Kit Category Insurance
View/Copy Text, Hashtags, & URLs Open Item Content Close Item Content
https://www.milspousemoneymission.org/insure-your-family/?fbclid=IwAR3qQIqpgiEPlqQstS7fFMwMdExK4l03obXOeiaAgjZ0f_I7c8Mz35IgpGY Copy Post URL Copy Post URL
https://www.milspousemoneymission.org/insure-your-family/?fbclid=IwAR3qQIqpgiEPlqQstS7fFMwMdExK4l03obXOeiaAgjZ0f_I7c8Mz35IgpGY Visit Post Url Visit Post URL
Understanding your family’s insurance needs can be overwhelming, but the right coverage can keep you safe and preserve your financial resources when unanticipated events occur. Check out our tips to get started: Copy Post Text Copy Post Text

Photo Media Type

Marriage

Media Kit Category Marriage
View/Copy Text, Hashtags, & URLs Open Item Content Close Item Content
https://www.milspousemoneymission.org/new-military-spouses-marriage-touchpoint/?fbclid=IwAR2qmNs_EVwDOWXoLy6X02J3wiOBLajjSgAVSUZlzt4GZMIbwdbZP9ZR_Eg Copy Post URL Copy Post URL
https://www.milspousemoneymission.org/new-military-spouses-marriage-touchpoint/?fbclid=IwAR2qmNs_EVwDOWXoLy6X02J3wiOBLajjSgAVSUZlzt4GZMIbwdbZP9ZR_Eg Visit Post Url Visit Post URL
💍 Achieve budgeting bliss with our MilSpouse checklist, then share your newlywed tips in the comments below. Copy Post Text Copy Post Text

Photo Media Type

Creating a PCS Budget

Media Kit Category PCS
View/Copy Text, Hashtags, & URLs Open Item Content Close Item Content
https://www.milspousemoneymission.org/create-an-effective-pcs-plan-for-your-family-to-cover-each-stage-of-your-move/?fbclid=IwAR0yDqcjJTMQHZg-tcoItKzBL_S1d0RgePhjQIyjFAdns2Gy1fToRx6GWqY Copy Post URL Copy Post URL
https://www.milspousemoneymission.org/create-an-effective-pcs-plan-for-your-family-to-cover-each-stage-of-your-move/?fbclid=IwAR0yDqcjJTMQHZg-tcoItKzBL_S1d0RgePhjQIyjFAdns2Gy1fToRx6GWqY Visit Post Url Visit Post URL
Getting ready to PCS? 📦 Check out our blog for tips to create a detailed PCS plan and budget: Copy Post Text Copy Post Text

Photo Media Type

Transferring Licenses and Certifications During PCS

Media Kit Category PCS
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https://www.milspousemoneymission.org/reimbursement-for-relicensing-fees-is-here-milspouses/?fbclid=IwAR1ExONvhMoaaVJqa8I2wZ8GtsDxAA0U6uOyzTOeyJZEbGkqsmv0aNOBc_M Copy Post URL Copy Post URL
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PCSing again? The National Defense Authorization Acts of 2018 and 2020 were created to make sure your licenses and certifications travel with you. Check out this blog to ease the financial burden of transferring your license or certification when you PCS: Copy Post Text Copy Post Text

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Back to School

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It's National Back-to-School Prep Day! 🍎 Set a budget and get those binders, pencils and backpacks ready! Here are 5 back-to-school savings tips. Copy Post Text Copy Post Text

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Program Promotion

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Are you a service provider or community leader that wants to share financial tips with military families? Order a pack of 100 free wallet cards to help others make smart money moves: Copy Post Text Copy Post Text

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Vacation Planning: Last Minute Vacations

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Not ready to say goodbye to summer? Last minute vacations are a wonderful way to reconnect with your family. Check out these helpful tips to push more cash into your vacation savings account: Copy Post Text Copy Post Text

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Back to School: 5 Ways to Save

Media Kit Category Back to School
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📣 Calling all military families! Kick off the new school year with 5 ways to save on back-to-school shopping: Copy Post Text Copy Post Text

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Back to School: GI Bill

Media Kit Category Back to School
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Do you aspire to attend college? If your spouse is an active-duty service member, they may be eligible to transfer all or a portion of their unused Post-9/11 GI Bill. This means huge savings on tuition, books, supplies and possibly housing for your family. Start to achieve your educational goals today: Copy Post Text Copy Post Text

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Savings Hack

Media Kit Category Savings Hack
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Saturday Savings Hack: Fall sports and activities are around the corner and costs can add up fast! Don’t forget to plan for these expenses in your monthly spending plan. Click here to find out how: Copy Post Text Copy Post Text

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Identity Theft

Media Kit Category Identity Theft
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It's National Lipstick Day! Don't KISS your identity goodbye. If you suspect any fraud, click here and review our "What to do when you've been compromised" section. Copy Post Text Copy Post Text

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Back to School

Media Kit Category Back to School
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Sending your MilKid back to school soon means it's time to start shopping! Here are five steps to get back to school shopping done on a budget! Copy Post Text Copy Post Text

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Preparing for PCS

Media Kit Category PCS
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It's PCS season. Sometimes you hurry, other times you wait. Take a break from packing and read our best advice for how to plan, prepare and PCS like a pro! Copy Post Text Copy Post Text

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Savings Hack

Media Kit Category Savings Hack
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Saturday Savings Hack: Check out these tips to lower your energy costs today! Copy Post Text Copy Post Text

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National Spouses Day

Media Kit Category Communication About Money
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Happy #NationalSpousesDay! Show your spouse how much you appreciate them and celebrate you as a team.⁣ Check out this article on couple's communication basics that includes talking about difficult topics, such as finances. Copy Post Text Copy Post Text
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New Military Spouse

Media Kit Category Communication About Money
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Communication is a key ingredient in every relationship. We know financial matters can be uncomfortable and challenging to discuss, but we have many tools to get you started.⁣ Want to learn how? Visit our New Spouse section. Copy Post Text Copy Post Text

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Marriage

Media Kit Category Communication About Money
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https://www.milspousemoneymission.org/wp-content/uploads/2020/07/M3-Personal-Financial-Values-2.pdf?fbclid=IwAR2tAfEbvMCaqPAkPj91sQtQT1lWRZExBa91ZiiMbAGx6bMqd2EdJiy61Vc Copy Post URL Copy Post URL
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Matri-Money? Finances are often an emotionally-charged topic and many couples avoid it altogether, which can lead to financial trouble. That's why we've created this handout for you to use as a discussion starter tool with your spouse. Share it with other new MilSpouses! Copy Post Text Copy Post Text

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Deployment

Media Kit Category Deployment
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Is your loved one getting ready for deployment? They are likely getting training on how best to prepare financially. We're here to help families align by providing easy checklists and resources to set you up for financial success. Copy Post Text Copy Post Text

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Emergency Fund

Media Kit Category Emergency Fund
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Military life can be a lot to balance. Are you prepared for an unexpected bill? Do you have the resources to help you achieve your own goals? Take 60 seconds to learn how MilSpouse Money Mission can help you financially navigate your military journey. Copy Post Text Copy Post Text

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Emergency Fund Quiz

Media Kit Category Emergency Fund
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Quick Quiz - which of the following qualifies as an emergency? When you’ve used money from your emergency fund, set a goal to replenish it each pay period so that you can cover the next emergency without going into debt. Copy Post Text Copy Post Text

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Plan for the Year Ahead

Media Kit Category Planning for the Future
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Running your household like a small business is a great way to evaluate last year and plan for the next. Follow these three simple steps to lead your family to a stronger financial future in 2021. Learn more here! Copy Post Text Copy Post Text

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Holiday Season Service Members

Media Kit Category Holidays
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We are keeping Service members and their families in our thoughts this holiday season. We appreciate your family's sacrifice. Copy Post Text Copy Post Text
#holidays #family Copy Hashtags Copy Hashtags

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Happy Halloween

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Happy Halloween! Stick with MilSpouse Money Mission to improve your financial planning skills. Check out this TREAT from our financial experts Click and scroll to any topic to get started on your plan today: Copy Post Text Copy Post Text
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New Year

Media Kit Category Holidays
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New year, new you? Share with us below a resolution you hope becomes a habit this year. For one good suggestion, check out this article from the Department of Defense Office of Financial Readiness on how to create smart financial habits. Copy Post Text Copy Post Text
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Valentines Day

Media Kit Category Holidays
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A great Valentine's Day gift doesn't have to break the bank. Make your partner a playlist that has all the special songs that remind you of them. It's a thoughtful gift they can take with them anywhere! Copy Post Text Copy Post Text
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Fall Season

Media Kit Category Holidays
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It's pumpkin spice season! Temperatures are cooling off, but your expenses may be heating up! Don't forget about your financial future and make sure to pay yourself first. Click the link below to learn about the importance of saving and investing. Copy Post Text Copy Post Text
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Identity Theft

Media Kit Category Identity Theft
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Act fast! If you find an error on your credit card statement, you could be a victim of identity theft. Read more about this and other warning signs here: Copy Post Text Copy Post Text
#identitytheft #finances #credit Copy Hashtags Copy Hashtags

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Credit Education

Media Kit Category Identity Theft
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https://www.milspousemoneymission.org/wp-content/uploads/2020/07/MMM-Handout-Free-Credit-Monitoring-6.pdf?fbclid=IwAR2p4BrVaBPHul3DZczsDi5cNNeh9Vuq7zGDZjoFgaA6MMm8UuMO-4KpJfg Copy Post URL Copy Post URL
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Service members can save BIG by signing up for a free credit monitoring service. Catching any errors early can save you money in the long run. Sign up with all three Nationwide Consumer Reporting Agencies (NCRAs) by visiting each NCRA website, creating an account, and self-certifying active-duty status. Find more on free credit monitoring here: Copy Post Text Copy Post Text
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Life Insurance

Media Kit Category Insurance
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Don't rely on luck for the future of your loved ones. Get to know the Service members’ Group Life Insurance benefit! Your Service member has $400,000 available in life insurance, and as a spouse, you can be insured up to $100,000. Make sure your family is protected! Get started today: Copy Post Text Copy Post Text
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Housing Tips

Media Kit Category PCS
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Wondering whether you should live on or off base after your next PCS? Patty, a MilSpouse, offers her tips on important considerations for housing. "My husband and I were living on base in California when we knew we were PCSing to Maryland. We debated for some time if we should stick with on base since it was so convenient and adored having military neighbors (as well as our street parties!). My tip would be to get on the same page as your spouse! Make a list of pros and cons and order them by priority, talk to people who have been to the area you are moving to, and join ALL the local military groups on social media to get a sense of what the area is like." - Patty | Annapolis, MD Read more about researching your new duty station here: Copy Post Text Copy Post Text
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Insurance Tips

Media Kit Category Insurance
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Insurance can never repair the emotional damage a loss brings, but it can minimize your financial stress if the worst happens. Which type of insurance would you like to learn more about? Find out what coverage you need and how to get started here: Copy Post Text Copy Post Text
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Life Insurance

Media Kit Category Insurance
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Life insurance isn’t an easy topic to discuss, but it is one of the most important parts of your financial toolbox. Estimate your life insurance needs using the acronym LIFE. Liabilities or debts owed, income replacement, final expenses to be paid and education and other goals to be funded.Learn more in this video: Copy Post Text Copy Post Text
#insurance #money #finances #debt Copy Hashtags Copy Hashtags

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Car Buying Tips

Media Kit Category Major Purchase
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https://finred.usalearning.gov/Money/CarBuyingBasics?fbclid=IwAR1O1MswSnoydGU9Ovbs-UBssvRw7AK2-_a4y_R6DPWhkKVENq2BTlQC01c Copy Post URL Copy Post URL
https://finred.usalearning.gov/Money/CarBuyingBasics?fbclid=IwAR1O1MswSnoydGU9Ovbs-UBssvRw7AK2-_a4y_R6DPWhkKVENq2BTlQC01c Visit Post Url Visit Post URL
Before making a major purchase, like a car, be smart and understand potential impacts to your financial future. It's possible to spend a lot and still be smart about it! Before purchasing a car, make sure to understand all the costs. Assess your needs when it comes to price, monthly expenses, resale value, gas mileage, and safety. Think about your purchase not only in terms of whether you can afford the vehicle today, but also whether you’ll be able to afford it in the future. Learn more about Car Buying Basics here: Copy Post Text Copy Post Text
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Grocery Tips

Media Kit Category Meal Planning
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Start MEAL PREPPING today! Eliminate buying extra food, make less expensive, better meals, and avoid the cost of eating out last minute! How much money can you save? Copy Post Text Copy Post Text
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Grocery Shopping

Media Kit Category Meal Planning
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Who does the shopping in your home? Leave us a if you're the supermarket hero or a if your partner is the grocery guru! Commissary prices are about 30% less compared to civilian shopping options. Whether it’s the exchange or the commissary, learn more about top tips to save your family money this fall here: Copy Post Text Copy Post Text
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Video Media Type

Meal Planning

Media Kit Category Meal Planning
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Planning meals and shoppng sales can be a great way to save money. Be sure to chck out the sales at your local supermarket or Commissary to get the most bang for your buck. Copy Post Text Copy Post Text
#mealplanning #finances Copy Hashtags Copy Hashtags

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Kids Allowance

Media Kit Category Money and Kids
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Parenting Tip: Giving your kids an allowance teaches them to manage money at an early age. And guess what? You don't have to shell out $20/week to make an impact. Here are the experts' top tips for managing children's allowances: • Adapt allowances to your family's specific needs. You can draw out a "chore chart" for the fridge, create a behavior-based deposit/withdrawal system, and set up a separate bank account or give the kids a piggy bank. If you make the system easy and realistic from the get-go, there's more of a chance that you'll keep it up for years to come. • Make sure to set clear expectations. Kids have to be taught which behaviors and actions merit rewards, and which ones merit consequences. If you want to connect allowances to household tasks, then ensure your kids know which chores they're responsible for, how to accomplish it, and how often those tasks need to be done. Communication is key! • Encourage your child to use their allowance to save, spend and share. Teach them how to budget their finances, whether they use a piggy bank, the envelope system, or a personal bank account. Learn more about how to set up an allowance for your kids here: Copy Post Text Copy Post Text
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Family Meals

Media Kit Category Meal Planning
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Cooking meals together at home encourages quality family time and creates memories… not to mention it may save your family money. Get your entire family involved in making meals to stretch your dollar. Learn more here: Copy Post Text Copy Post Text
#family #mealplanning Copy Hashtags Copy Hashtags

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Money Education for Kids

Media Kit Category Money and Kids
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It's never too early to teach your kids about money! Check out how you can educate your little ones below: "Instead of putting my 4-year-old daughter’s birthday money into her online bank account, I let her put the cash in her toy piggy bank. She is completely responsible for it and anytime she asks for anything that is classified as a 'want' and not a 'need', she knows she needs to use money from her piggy bank. She learns quickly she can’t buy everything she wants!" - Patty | Annapolis, MD Read more of Patty's tips for teaching your kids about financial management here: Copy Post Text Copy Post Text
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Money Education for Kids

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As we round out Month of the Military Family, be sure to include your kids in the money conversation. It's a family affair! Understanding where money comes from, how much things cost, and how to make a spending plan are all essential lessons to set your children up for success. Here's a quick one-page resource to get started today! Copy Post Text Copy Post Text
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Back to School

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Major Life Events

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Will there be a new addition to your family in 2021? Congratulations! Because this is a major life event, it might be a good opportunity to review all your insurance plans, compare rates and update beneficiaries.Learn how to do it here! Copy Post Text Copy Post Text
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Major Life Events

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Moving In The Military

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Moving In The Military

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Sonia shares how she made PCS an affordable adventure. Read her tips below, and learn how you can apply them to your family here:"Back in 2014 we had our first family PCS from Florida to Alaska. We decided to drive from Eglin AFB, Florida to Bellingham, Washington where we took a ferry into Whittier, Alaska (just one hour from Anchorage). We stayed at places with free breakfast and also made PB&J sandwiches for lunch to save money. Additionally, we only went out to eat for dinner and tried our best to keep everything under $50. With our kids being so little, it was actually pretty easy for us to keep within our budget!" - Sonia | Fort Carson, CO Copy Post Text Copy Post Text
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Moving In The Military

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Just received your next PCS orders? Here are a few of our favorite resources so you can make this move your best yet: This a great site for information on the logistics of your PCS with links to service providers. Here, you can review your options, limitations and responsibilities with your upcoming PCS. In addition to all the other great services they offer, you can find PCS related information by browsing Plan My Move. Here you can enter your start and end destination and create a custom checklist to help you plan and carry out your move smoothly. our local Travel Management Office can help you learn what's applicable for your move. Your service member will likely receive a number of travel pays and allowances as part of your PCS orders, including mileage reimbursement, per diem to cover hotels and meals, and a dislocation allowance. Depending on where you’re moving, your family might also receive an Overseas Housing Allowance, a Cost of Living Adjustment, a Move-In Housing Allowance, or a Temporary Lodging Allowance. The travel management office will help you sift through these details. Copy Post Text Copy Post Text
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Moving In The Military

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PCS Basics: • Most military families stay at their duty stations for 2-4 years • The military will pack & move your belongings for free, but you should pack fragile and valuable items yourself in your car or luggage. • Saving up for your move will help big time. Create a PCS fund to prepare for any surprises! Learn more here: Copy Post Text Copy Post Text
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Budgeting for Pets

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Do you have a new furry friend in your household? In addition to fur and love, pets bring added expenses. Make sure you include food, potential vet visits and the occasional replacement of a chewed up item to your monthly budget. Visit our Money Ready 101 to learn how to set up a budget! Copy Post Text Copy Post Text
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Budgeting for Pets

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Military Relief

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The military relief societies are ready to lend a helping hand to the military community—in more ways that you might expect—this holiday season and all year long. Visit our new blog to learn more: Copy Post Text Copy Post Text
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Household Savings

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Rainy Day Fund

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Couponing

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MilSpouse Caregiver

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Planning for the Future

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Employment Resources for MilSpouses

Over the last 16 years, I have faithfully relocated my family nine times in order to support my active-duty husband’s career in the Army. But I also have my own dreams and aspirations! I have always felt a calling to work within the federal government as a public servant, and I know the struggles of having to leave that “perfect” position when new orders are cut.

Each time we PCS, I look on usajobs.gov and apply for positions under the Military Spouse Non-competitive Appointing Authority. I have used Military OneSource’s Spouse Education and Career Opportunities (SECO) program, Army Community Service, and the local Civilian Personnel Advisory Center (CPAC) to assist me with my resume and job search. As a military spouse, I have had to figure out ways to highlight my Family Readiness Group (FRG) experience while balancing multiple moves in a year and employment gaps while raising our children.

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MilSpouse Money Mission

Thank you for sharing your experience, Robyn! Your tips highlight several resources that can help pave the way for other military spouses seeking employment. It can be a challenge to achieve and maintain professional goals in the midst of your spouse’s military career.

Frequent moves, training and deployments, family responsibilities, and licensure requirements are just a few of the obstacles military spouses may face. The good news is that you are not alone and there are resources available to help you navigate your military life and professional aspirations. Your branch of service may have specific programs available at your installation. Reach out to your local family support center for details.

There are several programs supported by the DoD that provide education assistance and professional development resources. Visit the following websites to find support that best fits your needs:

Be proud of your accomplishments in supporting your military family. Also know that resources are available to help you obtain and maintain meaningful employment, contribute financially to your family, and grow professionally.

Robyn
MilCommunity
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Cancelled Services to Trim Expenses

When I am looking to save some money easily, I check for unneeded expenses. I find it helpful to see the subscriptions you have in one place in case there are some you may have forgotten you have. There are apps to help you find subscriptions you have and keep track of them.

I was subscribing to a streaming service, but we were barely using it. I bought an antenna instead, so we were able to cancel the streaming service and save some money! We also buy a lot of movies on sale during Black Friday, so we watch the hundreds of movies we have instead of watching them on a platform I have to pay for monthly. Here is me holding one we recently bought and enjoyed.

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MilSpouse Money Mission

There are so many streaming and subscription services out there, it can be overwhelming and hard to keep up with what you’re spending and on what service. Brittany did a great job reviewing her subscriptions and deciding where she could make adjustments. Consider other “extra” expenses like gym memberships, magazines and other recurring expenses. If you do not have a spending plan in place to track money coming in and going out, now is a great time to set one up. Check out this worksheet to get started and learn more in our Money Ready 101: Budget section. Like Brittany, decide if you are really using the service and if there is a less expensive option available.

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Saving for My Child’s Education

When my son was born, I opened a savings account for him that we use to set aside money for college. I opened it at the same bank that I use so that it is easy to transfer money.

Any time he receives money from birthdays, holidays, or just because, I transfer it to his savings account. I also set up an automatic payment weekly to his account. You can start with whatever amount you are comfortable with and increase from there!

By the time my son is ready for college, our goal is to have at least $10,000 in his savings account for him to put toward his education.

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MilSpouse Money Mission

This is a great tip Brittany, and what a great photo of your son! It looks like he is ready to head out the door to school. Way to go on starting early to save for his college education. Maria, an Army spouse, also shares her tips on the importance of starting early and saving what you can in this short video. A savings account is a good place to start and setting up automatic payments is a great way to stay on track. Check out College Savings Plan Choices for more information on other types of accounts, some of which offer special tax and savings benefits. College is like other major purchases and there are several ways to plan for this expense. Money Ready 301: Paying for College has even more information to help others get started!

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Brian-Polaroid-1
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Turning Around Credit Mistakes

I had a credit card in default when I was 19 years old. Because of this, it took me seven years before I could get an auto loan. I began to focus on rebuilding my credit and the most important key to that was paying off my debts in a timely manner. Looking back now that I’m in my 40s, it was a dumb mistake by me to default, but I learned my lesson the very hard way and won’t ever let it happen again.

In the past couple of years my wife and I have purchased a home and also a parcel of land for our retirement. This was all possible because we both have excellent credit scores now!

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MilSpouse Money Mission

Thank you for sharing your story. The great news is that, like Brian, you can learn from past missteps, start from where you are and build positive financial habits moving forward. Understanding credit and managing debt are two key pillars of a strong financial foundation.

Check out our section Understand Credit 101 for more on responsible credit use and how to build a positive reputation. Debt management often goes hand-in-hand with understanding credit. Proper management of debt is key to achieving your financial goals. The resources available in our Managing Debt 101 section will help you get started. Make a plan to attack your debt using the snowball or avalanche calculators to help you build your unique plan.

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Don’t Get Caught off Guard by Mother Nature

As much as none of us want another monthly expense, insurance (no matter the form – auto, home, renters, medical, or dental) is a necessity nowadays. My wife and I have had what would have been multiple financially devastating losses in the past couple of years because of hail damage to our home and automobiles. This picture shows our car after a big hailstorm!

Without insurance, we would have spent over $40,000 out of pocket to repair her vehicle and our house (roof, skylights, siding, fencing) in order to have a safe car and a house that wasn’t falling down around us. Instead, we have only paid our deductibles for each at a total of less than $2,500.

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MilSpouse Money Mission

Wow, Brian! That must have been a severe storm! Your experience highlights the importance of having insurance to protect your finances from a devastating loss. Insurance is all about risk management. You pay a certain amount each month (called the premium) and if you have to make a claim to the insurance company, your loss will be covered according to the terms of your policy. Visit Money Ready 201 - Insure Your Family for an overview of why you need insurance and how to choose a company. There are several different types of insurance including life, auto, health, renters and homeowners. Make sure to evaluate your coverage annually and when you experience major life changes. A PCS is a perfect time to ensure your policies are up to date and appropriate for your current needs and location. Hailstorms may be common in Colorado, but for your next location, flooding could be more of an issue. So, be sure to do your homework, get the right insurance coverage and don’t let Mother Nature wreck your finances.

Brian-Polaroid-2
Brianna-Polaroid-3
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Budget for the Fun Things in Life

Budgeting is crucial to ensure that all of your important expenses are accounted for accordingly. We have a written-out budget that we strictly follow! One thing that helps me is to use the notepad on my phone so I can make notes of any purchases in the moment so I don’t forget about them later.

After all of our bills are budgeted out, we ensure that we add in extra “fun” money and savings into the budget. We set aside our “fun” for small and large activities, like the family photo shoot we did (pictured here). 

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MilSpouse Money Mission

What a beautiful family photo! It is a great idea to budget for fun and entertainment in your family spending plan, as Brianna suggests. The key to a successful spending plan is to find the right system that works for you. Brianna uses the notepad in her phone to keep her family on track. There are lots of options out there: spreadsheets, pen and paper, budgeting apps. The most important factor is your commitment to stick with it and find the tracking method that works best for you. If you’re new to budgeting or need a refresher, check out our Money Ready Budget 101 section. Your spending plan can help you save for big and small goals. This sample worksheet is a great place to start.

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Resources to Help Pay for My Education

Going to college is tricky as a military spouse with children. I take all of my classes online since it works best with my busy schedule. Plus, we don’t have to be concerned with child care for our kiddos since I’m taking classes online. Paying for tuition along with the cost of books can be stressful – especially if you aren’t provided financial aid.

One of the things that helped me a TON along the way was Army Emergency Relief (aerhq.org). They give out scholarships to military spouses simply for being spouses. Many spouses don’t know about this wonderful resource! Army Emergency Relief along with MyCAA made saving for classes quite simple when the time came for me to get started. I am currently training to be a certified doula.

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MilSpouse Money Mission

Congratulations Brianna on your studies AND the flexibility in making your professional development a priority while balancing the demands of family and MilSpouse life. You know the phrase, “Learn More, Earn More”? Well, investing in your education can help you reach your financial and professional goals and support your family. Check out our Funding College section for more on how to cover college costs for you AND your children. 

Brianna highlights two important resources that help military spouses achieve educational and professional goals. Military aid and relief societies are nonprofit organizations that offer a wide range of supportive services to military families, including scholarships. Check our page with the links to your service’s aid and relief society and find out how they may be able to support your educational goals. My Career Advancement Account Scholarship (MyCAA) is a workforce development program that provides up to $4,000 of tuition assistance to eligible military spouses through the Spouse Education and Career Opportunities (SECO) program. Visit the linked resources for more.

Here you may find other great resources Brianna found helpful. These career-focused programs can help cover the cost of in-demand and portable certifications, licenses, or associate’s degrees. Also, take a moment to watch this short video of Caitlin, an Air Force spouse, sharing how MyCAA can help you.

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Financial Tips for Military Spouses
Financial Tips for Military Spouses

We Had a Baby!

Babies are expensive! My husband and I just had our first baby this year and while we did a good job of buying on sale and thrifting, it still adds up. My advice is to plan for items they might need a year in advance, as once you have the baby, you will need more diapers, clothes, and baby gadgets than you think. Once you learn of your pregnancy, use those nine months to plan, set aside money, and readjust your budget for when the baby is born.

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MilSpouse Money Mission

Congratulations on your first child! Welcome to parenthood and, yes, the realization of how expensive children can be. You bring up a great tip to pass along so others are not as overwhelmed. Get started early and plan during those pregnancy months! Your spending plan will be impacted, so here is a worksheet to help you start thinking through some potential changes. Know that you are not alone as you prepare for your new child’s arrival. You may want to listen to another spouse share some resources she wished she had known about early on in this short video.

Visit the New Child milestone for a more in-depth look at how to plan for all the financial changes a new child can bring.

Financial Tips for Military Spouses

Investing in Our Future

Invest, invest, invest! Even if it’s only a few dollars, invest and leave the money; do not touch it. My husband and I have , and while we know the risks of investing, we believe the reward is greater, just like getting to the top of the mountain! The apps out there today also make it fun, as you can easily watch your money and have greater interaction with what you’ve invested!

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MilSpouse Money Mission

One of the best things you can do is pay yourself first! It’s wise to consider building your emergency fund with three to six months of living expenses, and consider investing as a way to help build wealth. If your Service member is part of the Blended Retirement System (BRS), we recommend you save at least 5% into the Thrift Savings Plan (TSP) to take full advantage of the matching contribution. That’s FREE money to help you build wealth!  For more on that, watch this short video. As Katie mentions, even if you have to start small, it really does add up over time. Everyone has a unique risk tolerance when it comes to investing, so it is important to learn more and communicate with your spouse about your goals and objectives. A great place to start for all things saving and investing is our Money Ready 201 section. Here you will find easy-to-understand resources to break down these sometimes-complicated topics. You can even take a quiz to learn about your money personality to help you get started.

Whether you want to build an emergency fund, increase your TSP savings, or invest in stocks and mutual funds like Katie, we’re here to help. We suggest watching one of our most popular videos on how time builds wealth.

Financial Tips for Military Spouses
Financial Tips for Military Spouses
Financial Tips for Military Spouses

On the Move with the Military

PCSing is a stressful time in a military family's life and can be made worse when financial hardships occur during a move. When planning for your next PCS, always expect things to go right, but also plan for things to go wrong.

My husband and I do our best to try and plan out every aspect of the move, but it always seems like unexpected costs or unforeseen events come up. We always make sure we have $1,000 in our budget to cover car issues or other unexpected incidents during a move. If you don’t have $1,000 readily available, you may be able to request a money advancement before your move through your installation’s Transportation Office.

If you do a Personally Procured Move (PPM), also called a DITY or do-it-yourself move, one thing you can do that could end up saving you money is to make sure your home goods are insured or covered. It's not uncommon for moving trucks, cars or trailers to get broken into on the road, which could end up costing you a lot of money in the end. If you decide to do a household goods (HHG) or move using a government moving company, double check all the paperwork to make sure the moving company writes down that your electronics are in working condition. It’s very common for things to break during an HHG move, so it's important your goods are listed as working or else it may not be covered.

One little way you can save money is to go to the installation lending closet once you arrive at your new home and borrow basic household items required to cook, clean, etc. Eating out every night for a week while you are unpacking your house can get costly, especially if you have children!

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MilSpouse Money Mission

These are great tips for a PCS. Thank you for sharing. We love this picture and it looks like you had some fun documenting the trip! We’re sure the more seasoned military spouses out there have a lot of experience and have learned many great hacks over the years. Hopefully the newer spouses will benefit from this wisdom!

One important to-do item on a PCS checklist is to review your insurance coverages. This is not just for home goods while in transit, as Jaime points out (which is super important), but also calling to update coverage for your home goods and automobiles in your new location. Rates can vary from location to location, so it’s important to know and plan ahead.

If you are authorized a money advancement like Jaime’s family, remember you have to pay that back. Plan for repayment in your post-PCS budget so you’re not caught off guard.

We have an entire section of the website dedicated to PCS moves. Here we have videos from other spouses, worksheets to help you start planning for your next move, and some financial planning considerations to keep in mind. Additionally, we provide 10 tips to make your next move a little smoother. Also remember that if things do not go according to plan, the military relief societies stand ready to help with no-interest loans, grants and other community support programs. Check out this blog for more information.

One other thing to consider with a move is change of climate! I bet Jaime learned the climate is a bit different in Colorado than Georgia. Do your homework and if your family needs new wardrobe items like hats and gloves or hair products to de-frizz your hair, it all adds up so be sure to plan ahead and account for any extra expenses.

Financial Tips for Military Spouses

Setting Financial Goals

One of the best benefits of the military is knowing that the paychecks are going to be stable throughout your time serving. Being realistic is the biggest tip I have when it comes to financial goals. You have to distinguish needs versus wants. If you aren’t going to actively save money, you aren’t going to see results. My husband and I like to set goals in these increments: one to four years, five years and then 10 years. By setting these goals you can also assess where your spouse will be in his/her career. If your spouse is planning to leave his/her military career, then you can figure out how much money you’ll need to make sure you're stable.

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MilSpouse Money Mission

A stable paycheck during a military career is certainly a strong benefit. It can bring peace of mind during times of uncertainty. Having a plan for that money is a great way to stay on track. From the picture, it looks like your family enjoys some peacefulness along your journey! Setting goals and celebrating small successes along the way can be a great approach to building financial success. Looking at time periods is a great start!

Here are a few other things to consider when setting goals. Make sure your goals are SMART, meaning:

  • Specific – Be very specific in terms of what you would like to accomplish.
  • Measurable – Define your goals in a manner allowing you to track your progress and know when you’ve succeeded.
  • Attainable – Set goals that are reachable, not merely dreams.
  • Relevant – Your goals need to be realistic to help you stay engaged.
  • Time-Bound – Set a target date of accomplishment.

Visit Goal Setting to learn more about setting goals and helpful tips to get started.

Financial Tips for Military Spouses
Financial Tips for Military Spouses
Financial Tips for Military Spouses

We Got Married!

Planning to get married is so exciting that sometimes it can prevent us from thinking about other long-term goals. When my husband and I were dating and starting to get serious about marriage, we sat down and had a talk. I knew that I liked to save money and watch it grow in my bank account but also knew that my husband liked to spend. I made it clear that I wanted to handle the finances so that I knew where the money was going and could be in charge of creating a savings. He wanted to make sure that he still could spend money if he wanted to. We came to the agreement that he would have a set amount of money put to the side each paycheck just for him to spend. This makes sure that he won’t spend money over the budget I have planned but also lets him feel like he still gets something from all his hard work.

This is why it is important to talk about this before marriage so that you know exactly what roles you will be playing and won’t get into arguments that could have been avoided by just sitting down and talking. I am proud to say that we have been able to build a substantial amount of money in our savings which allows us to know that we will be OK if life hits us hard.

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MilSpouse Money Mission

Congratulations on your marriage (beautiful wedding photo!) and great job having the sometimes-difficult conversation about money ahead of time! Financial management can be a leading cause of strain on a marriage, so it’s important to get ahead on those conversations as much as possible so you and your spouse can align, come up with a plan, and work together to reach your goals. It sounds like you were in tune with your financial differences to start the conversation, but for others who may not know clearly their own values on money nor their partner’s, we have some tools to help. Check out our values and rating worksheets. Print these out and use them as conversation starters with your spouse. You may not be completely aligned on how to manage finances, but like Mariah, start with open communication and mutual understanding. Then, work together to develop a plan that works best for your family. For more tips on being a new spouse in the military, visit our New Spouse section where you’ll see step-by-step information about military pay and benefits, financial planning considerations, videos from other spouses, and many other excellent resources to help get you off on the right financial foot!

Financial Tips for Military Spouses

Living Apart in the Military

Being apart from your spouse while they are on a tour, PCS or deployment is one of the hardest things a military spouse has to go through. I still remember when my husband called me and told me that he was being sent to South Korea for a year, and I nearly broke down. Since we wouldn’t be seeing each other before he left to Korea, we had to have a serious talk about spending, so that we would be on the same page. We both knew that life gets expensive so we came up with an amount that our account balance could not dip below.

Whenever he got paid, we could discuss our expenses. If we saw we were going over our budget, we would see if any purchases could be pushed to the next pay period. This communication saved us from being financially in trouble when we were apart and living separate lives.

Meanwhile, my husband was staying in the barracks rent free making it so we could put a large chunk of money into savings each paycheck. It’s always important to save when you can for a rainy day.

My personal tip is that it was always nice to have something around that reminds you of your spouse while they are gone, like a picture of the two of us. It helps to have those reminders of when you were together and be able to look forward to the memories you can make together when they are home.

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MilSpouse Money Mission

Separation from your spouse is certainly a difficult part of military life. Keeping a picture or memory prominent in your everyday life is such a great idea. It looks like this was a fun night out!

There are many types of separation – such as short deployments, longer deployments, TDY for training, field and other training exercises, and unaccompanied tours like your husband's in South Korea. Before any separation, it’s important to know the financial implications. Some may come with special pay and allowances and others may not. It sounds like you did a great job communicating and coming up with a plan. That’s really half the battle! The path to success is having a firm understanding of your goals, knowing any changes in income and expenses, and then developing a plan to stay on track. There is no right or wrong answer. You have to see what works best for you and your family. For deployment, Erica shares her tip in a short video to watch here. For more tips like this and many other resources to help you plan for time apart, visit our Pre-Deployment section.

Financial Tips for Military Spouses
Financial Tips for Military Spouses
Financial Tips for Military Spouses

Got a New Job (for Myself)

I had been a stay-at-home mom for 15 year before starting my new career, but even then, I always found a little job to get out of the house and make a little extra spending money. I was a dog walker and house sitter for six years both in Washington, D.C. and Seattle. Having this little bit of extra income allowed us to stick with our financial goals like saving for college and retirement. Four years ago, when my spouse deployed to Afghanistan, I decided to become a certified personal trainer. It gave me some financial freedom as well as something that was just for me.

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MilSpouse Money Mission

That’s awesome, Suzann! Employment for military spouses is definitely a challenge with so many moves, but it sounds like you’ve done a great job finding creative ways to supplement your family’s income. While it’s not always easy, the first step is to start with setting financial goals like you did. If others need help to get started, visit Goal Setting for some tips and resources. Once you set goals, then it’s time to take a look at your family’s spending plan. If you identify any gaps or opportunities to reach your goals faster, it might help you determine what level of income to strive for at the start. Finding a job or starting a career can be overwhelming if you don’t have some goals in mind. Break down your major goal into smaller pieces, make a plan, find your passion and get creative. Remember, whether you’re working or not, it’s important to save for YOUR retirement. Save into your own Individual Retirement Account (IRA) or a spousal IRA. To learn more, visit our Money Ready 301 Plan to Retire section.

Financial Tips for Military Spouses

We Bought a Home!

There have been times in our military career that my spouse and I have had to be separated for a period of time. When we last PCS’d, my spouse had to stay behind and finish the job while I had to move ahead and start the kids in school. During that time, we decided that the house we really wanted was yet to be built. So, while on my own, I built and closed on our new house.

We used a VA loan to purchase our home with no money down and were able to roll over the closing costs into our mortgage, so we paid no money out of pocket!

It was the first house we had purchased in 15 years, and it was one we knew we would live in longer than three years. It was a really growing time for our entire family, but so worth it.

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MilSpouse Money Mission

Congratulations on your new home! How exciting! Periods of separation are never easy, so great job handling such a major purchase on your own. For others who may be in the market for a new home, we recommend checking out our 5 Rules for Buying a House. This may help you and your spouse prepare for that big step.

For Suzann and many families, the VA loan may be a terrific option. One huge benefit, as Suzann mentioned, is that a down payment is not required. However, we encourage saving for a down payment on a home even if you don’t have to make one. This savings could help you pay for the VA Funding Fee or for move-in expenses that make the home yours. And, if you choose to make a down payment, you will pay less in interest costs over the life of the loan. Visit the VA website to learn more about VA Home Loans by clicking here.

Whether it’s a new home or a new car, major purchases can sometimes put a strain on your budget. Try to avoid acting on impulse and have a level head and a plan in place. It sounds like Suzann and her family waited for the right time and had a plan. Remember that every family’s financial situation is unique, so make sure you research your options and what makes sense now and long-term.

Just a few tips to keep in mind from financial experts:

  • Housing expenses should generally be less than 25% of your pre-tax pay.
  • Transportation expenses, including payment, insurance, fuel and maintenance, should be less than 15% – 20% of pretax pay.

Visit Money Ready 301 for more information on Major Purchases.

Financial Tips for Military Spouses
Financial Tips for Military Spouses
Financial Tips for Military Spouses

Bought a Car

When we arrived at our new duty station and finally got settled, I decided to go back to work. We needed a second vehicle, so I started saving $200 from each paycheck to put aside for this purchase. Once we had a good chunk of money set aside, we started to shop around – price checking vehicles at several local dealerships, so we could get the best deal! We also got preapproval from our bank ahead of time, so we knew what we could afford.

We ended up getting a 2015 Chevy Cruz at a dealership for $9,000, and I was able to use $2,000 I had saved for my down payment, which made my monthly payment a more affordable $180. I continue to throw more than the minimum at the payment each month, so we are paying it off earlier than expected!

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MilSpouse Money Mission

Great job! Sounds like you took all the right steps to make a smart car purchase. You planned ahead and saved money toward the goal, you shopped around instead of making an impulse or emotional decision AND you got preapproved before heading to the dealership. Excellent! Financial experts recommend keeping transportation expenses — including the car payment, insurance, fuel and maintenance — less than 15% – 20% of your pretax income. It’s also nice you have the flexibility to pay off the loan earlier than expected. That’ll certainly save you money by avoiding more interest charges.

If anyone else needs tips on making a major purchase like a new car or home, check out our section, Money Ready 301: Major Purchases.

Financial Tips for Military Spouses

Created and Kept a Budget

We started making our budget to set money aside for when my husband leaves the military and we move back home. We started saving about 18 months prior to my husband considering the transition to civilian life. This will help the transition of finding a place and making sure we have enough to cover bills while he's looking for civilian employment. 

Our budget has all of our current expenses as well as any expenses that we think can be cut and instead put into savings each month! Making the budget was simple, but we did find that sticking to it can be difficult at times! We ended up using cash envelopes to really help us stay on track and not go over budget. 

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MilSpouse Money Mission

Love this picture and thank you for sharing! This is proof that you don’t need a fancy app or tool to help you budget. Putting pen to paper can be just as helpful. The trick is finding what works for you and then actually doing it. To your point, creating the plan is one thing…sticking to it takes commitment. It was wise to start planning ahead for your husband’s transition from the military. This can be a huge change for your family, so you’re smart to get started! Sounds like you’re moving back home, and although it might be familiar, be sure to do your homework as things change and the cost of living may be different than when you were there before.

For others planning the transition from military to civilian life, we have a whole section dedicated to you with many financial tips. Visit Transition to get started!

And for those wanting to put together or update your budget, check out this sample worksheet to get started. We have that and a lot more information on budgeting in our Money Ready 101 Budget section.

Financial Tips for Military Spouses
Financial Tips for Military Spouses
Financial Tips for Military Spouses

Spouse Deployment

There's hardly a happier moment than homecoming from deployment! My husband and I were able to be fairly stress free, and even enjoy a small staycation, because we set a homecoming goal before deployment! Our goal was to put at least $250 away in savings each month of deployment and have at least $1,000 saved up for a homecoming celebration of our choosing.

Planning ahead financially helps you be happier during the often stressful time of "redeployment," and setting a goal can also give you both something to look forward to during those long months!

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MilSpouse Money Mission

Welcome home to your husband! No doubt deployments can cause a lot of stress and anxiety, especially for family members holding down the home front. You did a great job communicating BEFORE the deployment, which is one of our key recommended tips. Often, deployments can come with additional pay, so it’s important to do your homework and have a plan for any increased income. Also remember to adjust your budget if income will be reduced or “go back to normal” after a deployment. A staycation is a great idea! Having a plan and saving up for it allows you to enjoy the time without the stress of using credit cards or accruing debt. 

For other spouses who may be experiencing a deployment, be sure to check out our Pre-Deployment and Post-Deployment sections for more great tips to help you prepare AND hear from other spouses who share their best practices.

Financial Tips for Military Spouses

Served as a Caregiver

Finding a job as a military spouse can be really difficult, especially as a parent of a special needs child. Explore what options the military and state might have for you! Colorado and some other states have programs that allow you to be paid as a certified caregiver! Although there might be some paperwork and processes to go through, it's worth it to earn some extra income for work you may already be doing.

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MilSpouse Money Mission

Thank you so much for sharing information on this important topic. Having a child with special needs can be especially challenging in the military. That’s a great tip to explore any and all benefits the military offers. Be sure to check out the Exceptional Family Member Program on Military OneSource as well.

Brittany, another spouse, offers her tips in caring for a child with special needs in this short video.

Financial Tips for Military Spouses
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