Uncategorised

Money and Moving Resource Packet

Written by Alan Germani · 28 May 2021

More than 400,000 military service members and their families get Permanent Change of Station (PCS) orders every year. And as a nation roughly 40 million Americans, or around 13% of the population, move each year.

Moving can be a logistical nightmare, but it can also be a financial pain point. The average cost for a long distance move is $4890. While the military does at least partially reimburse those on orders, there are always things that come out of pocket, like restocking your pantry or moving a pet overseas.

Then there are the “hidden” costs of moving: periods of unemployment, recertification costs, security deposits...the list goes on and on. In this packet we will highlight resources and tips to make the next move less stressful, and hopefully less expensive, too. We will also provide you with ready-made social media posts to share with your audience.


Resources

Military Saves


Other Resources


Social Media

Please be sure to: 1) follow our accounts; 2) tag us in your posts; and 3) tag us in the photos/social media graphics.

Social media handles/pages:


Tip 1: Insurance

#Moving is the perfect time to shop for auto and property #insurance policies! Update your address, as it’s one of the biggest factors in determining your best rate and coverage.

👉Learn more from @MilitarySaves: http://bit.ly/2vhEgWp

#MilitarySaves #PCSseason #PCStips

5 Free Tax Filing Resources for Military Download Social Image

Facebook | Instagram | LinkedIn | Twitter


Tip 2: Mailing Address

Moving pro tip: Forwarding mail, changing your address, and going paperless are great safeguards against missing bill due dates, paying late fees, and a lower credit score.

Get more #PCS, #moving, and #financial tips by visiting @MilitarySaves.

#MilitarySaves #PCSseason #PCStips

5 Free Tax Filing Resources for Military Download Social Image

Facebook | Instagram | LinkedIn | Twitter


Tip 3: Garage Sale

It’s #PCSseason! Declutter and have a yard sale to quickly raise money. Put the extra money earned into your #moving or #emergency fund. Get more #savings tips from @MilitarySaves: https://bit.ly/3fPO4Ou

#MilitarySaves #PCStips

5 Free Tax Filing Resources for Military Download Social Image

Facebook | Instagram | LinkedIn | Twitter


Tip 4: Important Documents

Add this tip from @MilitarySaves to your #moving checklist: Keep personal documents with you, including #military orders, passports, birth certificates, POAs, and IEPs to help with the school registration process.

#EFMP #MilitarySaves #PCSseason #PCStips

5 Free Tax Filing Resources for Military Download Social Image

Facebook | Instagram | LinkedIn | Twitter


Tip 5: Master List

#Moving tip: Have a master list of all accounts for easy accessibility during your #move. This includes banking, creditors, life, auto, renter’s insurance policies, and utilities.

👉 Find more tips from @MilitarySaves: https://bit.ly/3yEEK8E

#MilitarySaves #PCSseason #PCStips

5 Free Tax Filing Resources for Military Download Social Image

Facebook | Instagram | LinkedIn | Twitter


Tip 6: Colored Tape

@MilitarySaves recommends this #moving hack! Place a piece of matching colored tape on each moving box from the same room. When at your new house, you can easily distinguish where each box should go, saving you time.

#MilitarySaves #PCSseason #PCStips

5 Free Tax Filing Resources for Military Download Social Image

Facebook | Instagram | LinkedIn | Twitter


Tip 7: Keep Receipts

Keep all receipts related to your #PCS #move in a central location. In the event that you require reimbursement from the government, you will need the accompanying receipt.

👉 More tips from @MilitarySaves: https://bit.ly/2Tgpy1g

#MilitarySaves #PCStips #PCSseason

5 Free Tax Filing Resources for Military Download Social Image

Facebook | Instagram | LinkedIn | Twitter


Tip 8: Know the SCRA

Under the Servicemembers Civil Relief Act, military members and their dependents may be eligible to terminate their housing and auto leases when receiving #PCS orders and #moving.

👉SCRA info: http://bit.ly/2L1FFLG

@MilitarySaves #PCSseason #MilitarySaves #PCStips

5 Free Tax Filing Resources for Military Download Social Image

Facebook | Instagram | LinkedIn | Twitter


Tip 9: Know the Weight Limit

Know your household goods weight limit to avoid an overage fee. Don’t forget, you have the right to be present for a re-weigh. #Save money and avoid this costly #PCS mistake when #moving.

👉 More tips from @MilitarySaves: https://bit.ly/3hST9bs

#PCSseason #MilitarySaves #PCStips

5 Free Tax Filing Resources for Military Download Social Image

Facebook | Instagram | LinkedIn | Twitter


Tip 10: Take the Military Saves Pledge

Visit @MilitarySaves to find new ways to facilitate the move to your next duty station. Once you’re settled in, be sure to take the #MilitarySaves Pledge to start working toward your next financial goal.

👉 bit.ly/mspledge

#MilitarySaves #PCSseason #PCStips

5 Free Tax Filing Resources for Military Download Social Image

Facebook | Instagram | LinkedIn | Twitter

2021 Saver Survey Digital Toolkit

Written by Alan Germani · 03 May 2021

About The Survey

The 2021 survey is now closed.

Military Saves is excited to announce the opening of the 2021 Military Saves Saver Survey! The survey launches on May 17th, 2021 and closes on June 18, 2021.

The results will allow us to gain powerful insights and analyze trends related to the financial wellness of the military and veteran communities. In the 2019 Saver Survey, we learned that the biggest barrier (57%) the military and veteran community faced when it came to saving was unexpected expenses. This year we will focus attention on how the COVID19 pandemic has impacted the saving behavior of active duty service members, military spouses, and veterans. This information will not only improve our program but will help our supporting organizations better understand the realities and challenges the military community faces when it comes to finances.

The 2021 Military Saves Saver Survey is open to all military service members (active, guard, and reserve), spouses, veterans, and DoD employees. Each respondent is encouraged to complete the survey from their own unique perspective. As an example, military spouses should complete the survey as themselves, rather than on behalf of the service member, and vice-versa.

The anonymous survey will take approximately 5-7 minutes to complete. As a way of showing our appreciation, each respondent will be eligible to enter into our weekly drawing for a $500 cash prize.

For questions about the survey, contact This email address is being protected from spambots. You need JavaScript enabled to view it..

This survey was made possible by generous donations from USAA, The Association of Military Banks of America, and the Defense Credit Union Council.


Supporting Organizations, Here’s How You Can Help

Your support in helping to spread the word about the 2021 Military Saves Saver Survey is greatly needed and appreciated! In an effort to easily convey the message and benefits of the survey, we’ve created done-for-you content that we invite you to share with your audience on social media and in email outreach.

This content can be shared from May 17, 2021 - June 18, 2021.

Hashtags to use: #SaverSurvey21 #MilitarySaves

Tag Us: Facebook, Twitter and LinkedIn: @militarysaves, Instagram: @military.saves


Social Media Posts

Survey Launch/Week 1 - Post on May 17th

The 2021 Military Saves Saver Survey has launched, & so has your chance to win $500! The survey takes approximately 5-7 minutes to finish, and is completely anonymous. Fill it out and be entered to win! #SaverSurvey21 #MilitarySaves https://militarysaves.org/survey

Week 1 - Post on May 17th

**Please tag Military Saves on all posts:

  • Facebook, Twitter and LinkedIn: @militarysaves
  • Instagram: @military.saves

Week 2 - Post the week of May 24th

Military Saves wants to hear from you! If you’re an active duty service member, a military spouse, a veteran, or a DoD employee, you’re eligible to take the 2021 #MilitarySaves Saver Survey. Share your experiences! #SaverSurvey21 #MilitarySaves https://militarysaves.org/survey

Week 2 - Post the week of May 24th

**Please tag Military Saves on all posts:

  • Facebook, Twitter and LinkedIn: @militarysaves
  • Instagram: @military.saves

Week 3 - Post the week of May 31

Has your family been affected by the pandemic? Spend 5-7 minutes on the anonymous 2021 Military Saves Saver Survey, open to active duty service members, military spouses, veterans, and DoD employees. #SaverSurvey21 #MilitarySaves https://militarysaves.org/survey

Week 3 - Post the week of May 31

**Please tag Military Saves on all posts:

  • Facebook, Twitter and LinkedIn: @militarysaves
  • Instagram: @military.saves

Week 4 - Post the week of June 7th

Help us help you! Calling all active duty, military spouses, veterans, and DoD employees, the 2021 Military Saves Saver Survey is open now, and respondents are entered to win a $500 prize! It takes only 5-7 minutes. #SaverSurvey21 #MilitarySaves https://militarysaves.org/survey

Week 4 - Post the week of June 7th

**Please tag Military Saves on all posts:

  • Facebook, Twitter and LinkedIn: @militarysaves
  • Instagram: @military.saves

Week 5 - Post the week of June 14

Your voice matters! Has Covid affected your savings? Veterans, military spouses, active duty, and DoD employees, fill out the anonymous 2021 Military Saves Saver Survey. Respondents are entered to win $500! #SaverSurvey21 #MilitarySaves https://militarysaves.org/survey

Week 5 - Post the week of June 14

**Please tag Military Saves on all posts:

  • Facebook, Twitter and LinkedIn: @militarysaves
  • Instagram: @military.saves

Last day - Post on June 18th

Today is your last day to fill out the 2021 Military Saves Saver Survey! It takes 5-7 minutes, is anonymous, and helps us help you. Respondents are entered to win $500 -- good luck!  #SaverSurvey21 #MilitarySaves https://militarysaves.org/survey

Last day - Post on June 18th

**Please tag Military Saves on all posts:

  • Facebook, Twitter and LinkedIn: @militarysaves
  • Instagram: @military.saves

Sample Newsletter/Email copy

Military Saves, a year-round campaign that encourages the entire military and veteran community to build wealth and reduce debt, has recently launched the 2021 Military Saves Saver Survey. The survey runs now through June 18, 2021.

The Survey is open to all service members (active, guard, reserve), military spouses, veterans, and Department of Defense employees. The results will shed light on the financial readiness of military families and veterans and how the Covid-19 pandemic has affected their savings habits.

The survey takes approximately five to seven minutes to finish and is completely anonymous. As a way of showing our appreciation, each respondent will be eligible to enter into a weekly drawing for a $500 cash prize.

The information gained from the survey will not only improve the Military Saves program but will help supporting organizations better understand the realities the military community faces when it comes to finances.

You can learn more and take the survey here: https://militarysaves.org/survey

Military Saves Month 2021 Events

Written by Alan Germani · 06 April 2021

This April 1-30, join us for a free, virtual event that encourages everyone in the military community to focus on their individual financial wellness.

Read more ...

Thanks for taking the survey!

Written by Alan Germani · 29 April 2021

 

Your participation will help us to not only improve our program but to help our supporting organizations better understand the realities the military and veteran communities face when it comes to finances.

Have you taken the Military Saves Pledge?

Military Saves can help you develop your goals and take action. When you take the Military Saves Pledge, you'll receive emails that will encourage and motivate you as you start your journey toward personal financial freedom. You will also gain access to free financial coaching/counseling through the Coordinated Assistance Network (formerly Yellow Ribbon Network) and AFCPE®.

 

Ready to get started? Take the pledge

 

Military Saves Month 2021 Digital Toolkit

Written by Alan Germani · 31 January 2021

Military Saves Month is a widely recognized national campaign where hundreds of organizations join together to collectively encourage the military community to focus on their individual financial wellness. Over the course of a month we cover money-related topics from a relatable, down-to-earth, positive perspective. Savers end the month with tools, resources, and clarity on their current financial situation, new savings goals, and a realistic plan to achieve them.

Military Saves Month logo

The Military Saves Pledge is the central tool that allows Savers to set a goal and make a plan to achieve better financial stability.

Each week of Military Saves Month has its own theme: Save Automatically, Save for the Unexpected, Save to Retire, Save by Reducing Debt, and Save as a Family.

Who can participate?

Military Saves Month participating organizations represent a diverse and impressive coalition of nonprofits, educational institutions, military services, employers, influencers, government agencies, and financial institutions. This outstanding collective serves our community of Military Savers who include service members, military families, veterans, and civilian employees of the Department of Defense. If you’d like to join us for Military Saves Month 2021 as a participating organization, click here. 

We’re signed up, now what?

Once you’re officially signed up, it’s time to plan how your organization will show up for the month! This digital toolkit will provide done-for-you social media graphics, resources and tools, sample emails, press releases, and more. Many participating organizations choose to create their own aligned content for the month, host events (both virtually and on-location), and more.

The biggest priority will be having a strategy to reach as many people in your community as possible during the month to maximize impact.

You’ll receive ongoing support and direct communications from the Military Saves Team leading up to and throughout the month!


Social Media Teasers

Build excitement in the weeks leading up to Military Saves Month by sharing these ready-made social media posts with your audience.


Done-for-You Social Media Content

We've made things easy by creating copy and graphics that you can share on your social media channels. Be sure to tag us when you share!


Weekly Themes

Week 1: Launch/Saving Automatically

Hashtags of the week: #SaveAutomatically, #MSM2021

The easiest way to save? Automatically! It doesn’t matter how much or what you’re saving for, when you make the smart decision to have a portion of your income automatically deposited into a savings account, you have increased your chance for success. On this kickoff week--and during the entire month--the focus is on motivating service members, military families, and veterans to take action by saving automatically through split deposit.

As a participating organization in Military Saves Month 2021, make this week successful by:

  1. Initiating conversations on social media around the topic of “Saving Automatically.” You can do this by sharing the done-for-you social media content provided in the Military Saves Month Toolkit, or creating your own branded content. Don’t forget to use the hashtags of the week! #SaveAutomatically, #MSM2021
  2. Encouraging your community toward financial action by taking the Military Saves Pledge or re-pledging. Then asking them to set up automatic transfers through their employer or financial institution to achieve their savings goal.

Week 1: Save Automatically


Week 2: Save for the Unexpected 

Hashtags of the week: #Save4TheUnexpected, #EmergencySavings, #MSM2021

The past year has taught us that we have to be as prepared as possible for the unexpected. While we all have future savings goals, having a rainy day fund to support emergency needs, like a car repair, dental bill, or even a last-minute flight home should be a top priority. This week, we’ll focus on motivating service members, military families, and veterans to prioritize building an emergency savings fund.

As a participating organization in Military Saves Month 2021, make this week successful by:

  1. Initiating conversations on social media around the topic of “Saving for the Unexpected” and building an emergency fund. You can do this by sharing the done-for-you social media content provided in the Military Saves Month Toolkit, or creating your own branded content. Don’t forget to use the hashtags of the week! #Save4TheUnexpected, #EmergencySavings, #MSM2021
  2. Encouraging your community towards financial action by taking the Military Saves Pledge or re-pledging.
  3. Share the Military Saves Spending and Savings tool to aid your military community in getting a clear view of their finances so they can realistically budget for their emergency savings fund.

Week 2: Save for the Unexpected


Week 3: Save to Retire

Hashtags of the week: #Save2Retire, #MSM2021

It’s never too soon to prepare for retirement. In fact, the earlier you start to prepare the easier it is to save. Because we know that very few service members, military families, and veterans have a plan for retirement savings that will actually cover their desired lifestyle, during this week we’ll focus on the importance of setting aside time to understand your retirement needs and making a plan to meet them.

As a participating organization in Military Saves Month 2021, make this week successful by:

  1. Initiating conversations on social media around the topic of “Saving to Retire.” You can do this by sharing the done-for-you social media content provided in the Military Saves Month Toolkit, or creating your own branded content. Don’t forget to use the hashtags of the week!  #Save2Retire, #MSM2021
  2. Encouraging your community towards financial action by taking the Military Saves Pledge or re-pledging.
  3. Share Military Saves Month resources to aid your military community members in creating their individual retirement action plan.

Week 3: Save to Retire


Week 4: Save by Reducing Debt 

Hashtags of the week: #ReduceDebt, #PayingDownDebtIsSaving, #MSM2021

It’s time that we recognize that by paying down their debt, service members, military families, and veterans ARE saving! Actively reducing your debt means you’re saving on interest, avoiding late fees, and maintaining or increasing your credit score. This week, we’ll focus on why paying down debt should be acknowledged and celebrated as a form of saving and a component of your financial plan. We’ll also share tips, tools, and resources that will aid your community members in successfully reducing their debt.

As a participating organization in Military Saves Month 2021, make the week successful by:

  1. Initiating conversations on social media around the topic of “Saving by Reducing Debt.” You can do this by sharing the done-for-you social media content provided in the Military Saves Month Toolkit, or creating your own branded content. Don’t forget to use the hashtags of the week! #ReduceDebt, #PayingDownDebtIsSaving, #MSM2021
  2. Encouraging your community towards financial action by taking the Military Saves Pledge or re-pledging. 
  3. Share the opportunity to connect your community with a free financial coach or counselor through Military Saves’ partnership with the Yellow Ribbon Network and AFCPE®.

Week 4: Save by Reducing Debt


Week 5: Save as a Family 

Hashtags of the week: #SaveAsAFamily, #MSM2021

How much better would our military community be with money if we empowered not only our service members and veterans to save, but also our military spouses? What if we, as military families, had a plan and developed our strategy together? What if we were intentional about teaching good money and savings habits to our military kids from a young age? This week, we’ll focus on the tangible and intangible ways we can set ourselves up for success as military families, and positively influence and model for our children and teens when it comes to money, spending habits, and saving.

As a participating organization in Military Saves Month 2021, make this week successful by:

  1. Initiating conversations on social media around the topic of “Saving as a Family.” You can do this by sharing the done-for-you social media content provided in the Military Saves Month Toolkit, or creating your own branded content. Don’t forget to use the hashtags of the week! #SaveAsAFamily, #MSM2021
  2. Encouraging your community towards financial action by taking the Military Saves Pledge or re-pledging. 
  3. Join our “Save as Family Chat” to meet our partners with the America Saves for Young Workers National Youth Advisory Council and hear from our panel about ways to instill positive savings behaviors at a young age.

Week 5: Save as a Family


Military Saves Month Events


Sample Email and Newsletter Content

This document contains sample content for you to share with your community during Military Saves Month via email or newsletter. Feel free to use it as shown, or adapt it for your organization’s specific needs, including appropriate Military Saves Month graphics and videos from this toolkit.


Text to Pledge/QR Code

Text MILITARYSAVES to 877877

Military Saves is now offering Savers the ability to make a commitment to saving via SMS text. Not only is this a quick and simple way to take the Military Saves Pledge, it also takes the burden off of installation financial readiness personnel and other partners who previously collected paper pledge forms and had to enter them manually. 

Features of the Text to Pledge

  • The Pledge consists of a sequence of call-and-response SMS messages between Military Saves and the Saver. No internet connection or data necessary.

  • Data collected mimics the paper form found online.

  • After taking the Pledge via SMS, Savers will begin receiving saving reminders, tips, tools, and resources from Military Saves via email and text message.

  • Installations/partners can customize the messaging their Savers receive. 

  • Military Saves will create custom graphics (see example below) for organizations to use to promote Text to Pledge.

Things to remember:

  • Message and data rates may apply.

  • Savers will receive up to 4 texts a month.

  • All Savers must complete the full text-to-pledge sequence to be added to the Saver database.

  • Installations/local campaigns will be asked to create a unique keyword to identify their Savers who take the Pledge.

Do you want to request a keyword for your installation? Email us at This email address is being protected from spambots. You need JavaScript enabled to view it..

NEW! Military Saves QR Code

Another convenient option is to include our QR code, which takes Savers directly to our Military Saves Pledge page. We offer customizable QR codes, which can give your organization credit for signups. To request your QR code, please email us at This email address is being protected from spambots. You need JavaScript enabled to view it..

We're signed up, are you? Download QR Code

Flyer w/Image Download Image Flyer w/Image 2up Download Image Simple Flyer Download Image Simple Flyer 2up Download Image


Resources & Links

Sample Documents


Pledge Forms


Military Saves Month Branding Guidelines


Download All PDFs

Contains branding guidelines and weekly theme graphics.


Download All Logos

Contains Military Saves and Military Saves Month logos.


Banking Account Checklist


Participating Organization Badge

Proud Participant Badge Download Image


Other Flyers & Graphics

Take the Pledge

I'm Saving For Sign Download Image

I'm Saving For Sign Download Image

The True Cost of Debt Download Image

Save $500,000 by the Age 65 Download Image

Don't leave free money on the table. Download Image


#MSM2021 Participation Challenge

Friends don’t let friends miss out on participating in Military Saves Month!

As a participating organization in #MSM2021, we want you to spread the word to your peer organizations and invite them to participate in Military Saves Month.

Simply post the following (or a variation) on Twitter or Linkedin!

We're signed up, are you? Download Image

Sample Post

We’re proud to be participants of @MilitarySaves Month 2021, encouraging the military community to #save effectively! We challenge:

  • (organization)
  • (organization)
  • (organization)

to do the same! #MSM2021Challenge 


Sign Up for Military Saves Month

  • Get the Military Saves 2021 participation badge to share on your website and in materials
  • Be recognized on the participating organizations list
  • Get helpful emails from Military Saves Month staff to help you plan successful activities

Tip of the Day

  • Written by Guest Blogger | May 5, 2014

    Know how to request a free copy of your #credit report. It’s easy and safe. Just go to www.annualcreditreport.com

Saver Stories View all »

Living the Dream: This Military Couple Retired Early

Written by Jackie Toops | March 18, 2021

“Continuous dedication to financial peace pays off,” shares military couple, Denise and Jim. They would know, because at ages 52 and 53, they are already retired. The couple enjoyed life as an Army family for 32 and a half years and started planning for retirement decades ago. Denise shares, “We are not working a paid job, but are volunteering and meeting some personal fitness goals and enjoying some time together after many years spent geographically apart. It can be done!”

Read more...

Making Saving Automatic Leads to Personal Success

Written by Lila Quintiliani | May 27, 2020

Ryan’s savings journey started when he was an active duty airman. Frequent deployments and temporary duty assignments gave him the opportunity to save. By the time he transitioned out of active duty, he had built up a healthy rainy-day fund and had started to aggressively save for retirement.

Read more...

Building a Six-Figure Savings While Enjoying Life

Written by Jackie Toops | November 13, 2020

Does the idea of saving up hundreds of thousands of dollars seem impossible? How about doing it while still living an enjoyable lifestyle?

For military spouse Martina and her husband, an E-5 in the Navy, accumulating a six-figure savings has become a reality. One might think that in order to save this much, it would take a great deal of sacrificing and forgoing a certain quality of life, but Martina and her husband would disagree. “Over the past few years (about five), we've managed to save almost $120,000 while mostly living on one income. We've learned so much about easy ways to save money and live a good life,” shares Martina.

Read more...