2. Money and the Move Ramstein Airman & Family Readiness Center DSN: 480-5100/5900 Syl Wiggins

3. The Importance of Financial Planning for Transfers Planning is the key: Minimize the unknown by gathering facts… What is your current pay? What entitlements do you expect? How much will you pay out? 2

4. Projecting Expenses: Prior to Transfer House-hunting expenses Moving out expenses Storage costs Loss/gain of allowances Lodging and food Loss of spouse’s income Car preparation Overseas screening 3

5. Projecting Expenses In Route : Temporary lodging, food, etc. Vehicle costs (fuel, emergency repairs). Medical expenses. 4

6. Projecting Expenses: New Duty Station Temporary lodging, etc. Deposits: Rent/utilities Restocking supplies Vehicle costs (insurance/licensing) Medical expenses 5

7. Cost-Cutting Financial Tips You and Your Money –Advance pay –Military facilities –Change of address –Wills –Insurance 6

8. Cost-Cutting Financial Tips You and Your Money –Letters of reference –Pre-qualification –Financial accounts –Taxes –Dependent healthcare 7

9. Cost-Cutting Financial Tips You and Your Move –What can you ship? –Yard sales –Inventory –Sponsor 8

10. Helpful Web Sites for the Military Move USE THE INTERNET! www.militaryonesource.com www.militaryhomefront.dod.mil/moving www.tricare.osd.mil www.dinkytown.com/ (Calculators) www.dfas.mil 9

11. Good Luck! Be prepared 10