PCS Moves

Handle the next move like a pro! We have compiled important information to educate you about the financial implications of a Permanent Change of Station (PCS).

Get Started Now

Best Money Practices

Check out our list of 10 financial tips to help make your PCS go more smoothly. These will help you keep your financial house in order.

Tip #1 Is...

Resources

Learn about the resources available within the military community. There are sources of support and information available online and at each installation.

Know What's Available

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Permanent Change of Station

Completing a Permanent Change of Station (PCS) often means adjusting to changes and starting new routines. This is especially true for your finances and cash flow.

Maria, an Army spouse, explains why she swears by having “healthy” PCS and emergency funds.

While the government provides relocation allowances to help cover the costs of a PCS, those allowances may not be enough to cover all of the expenses you will incur, or fully restore your financial situation to how it looks today. 

Also, depending on where you move, the cost of living could be very different than what you’re used to now.

So, to keep your financial house in order, keep these tips in mind and tackle your next PCS like a pro.

Tips to Get Started

  • Anticipate the PCS expenses you might incur before your move, during your move, and after you arrive at your new duty station.
  • Use these two worksheets as you go through this section to help you estimate your costs for the move.
  • Try to account for changes in both your family income and expenses from your previous duty station to the current one.
  • Check if there are obligations you need to clear before leaving your current duty station.
  • Do you have enough money available to pay for expenses until they’re reimbursed?
  • What will your cash flow look like if you need to change jobs or your spouse's pay changes?
  • Consider speaking with an accredited financial counselor at your installation’s family support center. He or she may offer spouse employment information, workshops and other resources to help family members locate jobs, update resumes, and even learn interview techniques. To locate a Personal Financial Manager, visit https://installations.militaryonesource.mil/

Kellie offers some financial tips to help you survive and thrive during your next PCS.

Financial Planning Considerations

A PCS move can be expensive! Here are some expenses that you could experience before your move.

So, you’re all packed up and ready to PCS! Now, let’s set some expectations about what it might cost to get you there.

Tips to Get Started

Receipts

Remember to keep all of your receipts! That will make it easier for you to file your claims immediately upon arrival at your next duty station.

Documents & Valuables

Move important legal and financial documentation, valuables, and keys yourself during a PCS. Do not have the movers transport these items.

Medication

Keep medication for your family and your pets with you and separate from your household goods.

Self-Transport

Make sure to carefully transport all moving documentation and the furniture parts box yourself. Do NOT lose these.

PCS - Permanent Change of Station tips to get started

Financial Planning Considerations

Let’s use a case study to determine the cost of a PCS. To cover that, meet the Murray family.

So far, we’ve covered expenses and considerations before and during your PCS. Now let’s explore what to expect when you arrive.

Tips to Get Started

  • Remember to make use of the resources on your installation to help you settle in more easily and save money.
  • If you’re waiting on household goods, visit your installation’s lending closet. There’s no need to buy a new coffee maker. Borrow one!
  • Visit your installation’s thrift store for great finds to help make your house a home or get creative with the furnishings you already own.

Are you thinking about purchasing a home during your next PCS move or preparing for a change in income because of your relocation? Watch Kellie’s video about being on the move with the military.

Financial Planning Considerations

In this section, we will break down key expenses for housing, transportation and other miscellaneous items.

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Best Money Practices

Here are 10 financial tips to help make your PCS move go more smoothly.

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Resources

Become familiar with the resources to make your next move, your best move.

Remember, every family’s situation is different. Your needs, goals, and wishes are unique. What works for one family may not be right for you. Evaluate where you are and where you want to go. These tips and resources can help you get there.

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