Every military family knows that Permanent Change of Station (PCS) orders are part of life. While the government covers major moving expenses, hidden costs can quickly add up. From utility deposits and temporary housing to meals on the road and pet care, a PCS often stretches budgets more than expected.
The good news is that families can take steps to manage these costs and even turn the process into a smoother, less stressful experience. By focusing on a few core strategies, you can protect your finances, reduce surprises, and settle into your new home with confidence.
The most powerful way to save is to start with awareness. List expected expenses such as fuel, hotels, and food, but also include overlooked items like cleaning fees, child or pet care, and short-term rental costs. Compare this list against your military allowances. Knowing what is covered—and what isn’t—helps you plan ahead.
This step isn’t just about numbers. It gives your family clarity and reduces stress. When everyone knows what to expect, you can make smarter decisions during the move instead of reacting to last-minute surprises.
Every item you bring costs money to move, whether in weight, packing supplies, or storage. A PCS is the perfect opportunity to simplify. Go room by room and decide what to keep, sell, donate, or discard.
This process reduces expenses, but it also makes the transition lighter emotionally. Military families already juggle new schools, new neighbors, and new routines. Carrying less “stuff” gives you more space to focus on what really matters—settling into your next chapter.
Military installations often provide lending closets with essential household items like kitchenware, cribs, or air mattresses. These resources bridge the gap until your shipment arrives and help you avoid duplicate purchases.
Local spouse networks and online community groups are also valuable. Many families give away moving boxes or share advice on affordable services near base. Leaning on this community support not only saves money but also helps you build connections in your new location.
The journey itself is often more expensive than expected. Meals, lodging, and gas all add up. Plan ahead by booking military-friendly hotels, packing snacks, and mapping efficient routes. If you are flying, ask airlines about military discounts and baggage allowances.
Small savings along the way can easily total hundreds of dollars. More importantly, careful planning makes the trip less stressful, especially if you’re traveling with children or pets.
One of the biggest questions families face is how much to do themselves versus hiring professionals. A Personally Procured Move (PPM) can create an opportunity for reimbursement, but it also comes with hidden costs like fuel, truck rental, and time.
Find the right balance. Consider handling tasks like decluttering, packing non-fragile items, or cleaning the home yourself. Leave specialized work—such as heavy lifting or electrical setup—to professionals. This approach saves money without sacrificing safety or quality.
Moving on a budget isn’t just about pinching pennies—it’s about making intentional choices that protect your family’s finances and well-being. By budgeting carefully, simplifying your load, using community resources, planning travel wisely, and balancing DIY with professional help, you can keep costs manageable and stress levels low.
Every PCS move is unique, but one thing remains constant: preparation pays off. With a thoughtful approach, your next move can be not only affordable but also an opportunity to start fresh in a new home, ready for the next stage of your military journey.
Jaimie is a phenomenal leader of leaders. I would recommend him for selling your home or finding your dream home. Reach out to him for a great, profitable experience
The NextGen Home Group
6140 Tutt Blvd, #100
Colorado Springs, CO 80923
719-249-2905