{"id":79168,"date":"2025-05-29T13:54:55","date_gmt":"2025-05-29T13:54:55","guid":{"rendered":"https:\/\/one.sightlinemg.com\/navytimes\/native\/uncategorized\/a-pcs-move-is-a-fresh-startheres-how-you-can-make-the-most-of-it\/"},"modified":"2026-08-08T16:55:10","modified_gmt":"2026-08-08T16:55:10","slug":"a-pcs-move-is-a-fresh-startheres-how-you-can-make-the-most-of-it","status":"publish","type":"native","link":"https:\/\/one.sightlinemg.com\/navytimes\/native\/navy-federal\/a-pcs-move-is-a-fresh-startheres-how-you-can-make-the-most-of-it\/","title":{"rendered":"A PCS Move Is a Fresh Start\u2014Here\u2019s How You Can Make the Most of It"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Each year, more than 400,000 Active Duty Servicemembers receive Permanent Change of Station (PCS) orders, according to the <a href=\"https:\/\/www.militaryonesource.mil\/moving-pcs\/plan-to-move\/pcs-the-basics-about-permanent-change-of-station\/\" rel=\"\">Department of Defense\u2019s Military OneSource<\/a>. Whether you\u2019re headed across the country or around the world, a PCS marks the start of a new chapter\u2014and a unique opportunity to get organized and financially prepared. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cJust like any relocation, when moving to a new duty station, it\u2019s a good idea to do your homework,\u201d said Thomas Racca, manager of personal finance management at Navy Federal Credit Union. \u201cTalk to others who\u2019ve lived at that base. Check out online reviews and visit the area if you can.\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">From budgeting for upfront costs to connecting with military-friendly real estate agents, here are key steps to help make your PCS move easier:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><b>1. Get your checklist in order.<\/b><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">One of the best ways to ensure a smooth move during a PCS is a comprehensive checklist. This can serve as a guide to help keep your important documents, tasks and schedules organized. For example, Navy Federal has a <a href=\"https:\/\/www.navyfederal.org\/makingcents\/home-ownership\/pcs-checklist-for-military-moves.html\" rel=\"\">PCS checklist<\/a> that covers everything from timelines to to-do\u2019s and helps you avoid last-minute surprises.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><b>2. Review your budget.<\/b><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cIt\u2019s so important to do this periodically\u2014to know where your money is going, opportunities to reduce spending or increase savings, and avoid negative spending habits that could take a long time to repair,\u201d said Racca.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Even with military allowances and reimbursements, there may be some costs that you have to cover on your own before being paid back. <a href=\"https:\/\/www.navyfederal.org\/makingcents\/tools\/monthly-spending-calculator.html\" rel=\"\">Use a monthly spending calculator<\/a> to plan for expenses and start saving money as soon as you can. Knowing your numbers upfront helps prevent financial strain down the road.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cOnline tools such as Navy Federal\u2019s My MakingCents can help you to track spending and create a budget, all just a few clicks away,\u201d said Racca. \u201cDon\u2019t forget about quality of life! Being closer to good schools, restaurants, parks, movie theaters or grocery stores may be drivers for your choice. It all goes back to having long term goals and balancing them against your day-to-day comfort,\u201d said Racca.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><b>3. Navigate housing options with confidence.<\/b><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The military offers housing options on-base for Servicemembers, but many choose to live off-base in the local community too<b>. <\/b>It all depends on various factors such as branch of service policies, rank, marital status, housing availability at your new installation and more.<b> <\/b>\u201cIt\u2019s also all about balancing convenience with the potential to save or upgrade your lifestyle,\u201d said Racca.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Typically, with on-base housing, you won\u2019t have to pay rent, utilities or deal with landlords; it\u2019s all covered. On the flip side, you also don\u2019t get to keep your full Basic Allowance for Housing (BAH) (or OHA if you\u2019re stationed overseas). Off-base housing lets you use your BAH\/OHA to cover rent and other costs. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cIt\u2019s smart to meet with a trusted financial advisor when big financial changes are underway,\u201d added Racca. \u201cThink about what matters most to you \u2013 cost, location, community, or convenience \u2013 and base your choice on that. No matter what, planning ahead and staying flexible will help you make the best decision for you and your family.\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><b>4. Lean on resources, tools and 24\/7 support.<\/b><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Moving can be unpredictable, but getting support for your finances doesn\u2019t have to be. For example, Navy Federal\u2019s mobile app, travel notifications and 24\/7 access to stateside member service representatives can help keep you connected and in control\u2014wherever you are.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cWe\u2019re all creatures of habit, and setting ourselves up with a positive environment and being around others that we want to emulate goes a long way towards helping us reach our long term financial goals,\u201d said Racca.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With the right planning and the right support, your next move can be your smoothest one yet. To explore Navy Federal\u2019s PCS offerings, visit <a href=\"http:\/\/navyfederal.org\/pcs\" rel=\"\">navyfederal.org\/pcs<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><i>This content is intended to provide general information and shouldn\u2019t be considered legal, tax or financial advice. It\u2019s always a good idea to consult a tax or financial advisor for specific information on how certain laws apply to your situation and about your individual financial situation.<\/i><\/p>\n","protected":false},"author":7,"featured_media":109786,"menu_order":0,"template":"single-native-legacy","meta":{"_acf_changed":false,"_acf":"","_yoast_wpseo_primary_category":"11"},"advertiser":[3439],"class_list":["post-79168","native","type-native","status-publish","has-post-thumbnail","hentry","advertiser-navy-federal"],"acf":{"subheadline":"","legacy_arc_id":"VAEMEKC4RJBODBKPMDHP353LS4","arc_canonical_url":"\/native\/navy-federal\/2025\/05\/29\/a-pcs-move-is-a-fresh-startheres-how-you-can-make-the-most-of-it\/","remove_feature_photo":false,"is_sponsored":false,"subtype":"native-layout","redirect_url":"","disable_inline_ads":false,"native_logo_pretext":"Presented By:"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.0 (Yoast SEO v28.1) - 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