Making it in the Military ~ Military Pay

Making it in the Military ~ Military Pay at The Happy Housewife

2010 Military pay charts have been released! Service members will receive a 3.4% pay raise in 2010.

While basic pay is taxable, most allowances are not taxable. To find out your tax advantage view the Regular Military Compensation Calculator .

The most junior military members earn around $17,000 a year in basic pay, while the most senior officer makes over $220,000. How is that for incentive to stay for the long haul? Military pay is much more complex than basic pay. There are a host of special pays and allowances paid to service members as well. Listed below are the basics of military pay and allowances.

2010 Enlisted Pay

2010 Officer Pay

Basic Pay: Your military salary. Based on rank and time in service. You can find a 2009 pay chart here.

Basic Allowance for Substance: Money paid to the service member for food. Enlisted members receive$323.87 and Officers receive $223.04 per month.

Basic Allowance for Housing: Money paid to the service member for housing. This pay is based on zip code, rank, and dependents. Contrary to popular belief military members are not paid more if they have more children. There are only two categories for BAH, with dependents or without dependents. the 2010 BAH rates will be released in December. You can a view the current BAH rates here.

Cost of Living Allowance (COLA): COLA is a cash allowance intended to compensate for high cost of living areas. COLA is not assigned to areas where the cost of living is less than of meets the average of that in the United Sates. A service member must be permanently assigned to the area to receive COLA. Based on rank, time in service and number of dependents. Click to view Stateside COLA and Overseas COLA rates.

Clothing Allowance: Officers receive this allowance once, Enlisted members receive the initial allowance, plus an allowance each year. You can find rates here.

There are numerous of other special pays available for service members. To view a comprehensive listing of special pays click here.

Members serving in a combat zone do not pay taxes on their basic pay. I found this interesting article regarding how to make the most of your combat-pay exclusion. You can read a summary of your combat zone benefits here.

It is important check your LES (Leave and Earning Statement) each month to ensure you are receiving the correct pay. The military does make mistakes.  You can log on to My Pay, to view a current LES.

Your Military Benefits: The Commissary and Exchange

Your Military Benefits: The Commissary and Exchange at The Happy Housewife

One of the biggest benefits to military families is the privilege of shopping at the Commissary and Exchange.

The commissary is a military grocery store. It looks just like a normal grocery store, and sells similar items, the difference is only active duty, retirees, reservists and their dependents may shop there. It is my opinion that the commissary is cheaper on the majority of items. This does not mean that you will not do better with triple coupon, catalinas, or ECB’s, but you cannot buy all your groceries that way. I believe that military families should scan circulars for loss leaders at the local stores. But over the past several years, using the commissary has kept my family of nine’s grocery bill at around $600 a month, and we eat well.

Commissary Facts and Tips

The Dreaded Surcharge: The commissary adds a 5% surcharge to your total bill.  Depending on where you live, this may cut into your savings. Certain states charge a sales tax on their food, so if you live in one of those states the surcharge probably doesn’t make a difference. I live in Maryland, which does not charge sales tax on food. The 5% charge may make a difference for someone who is driving an hour each way to the commissary and has to factor in the cost of fuel.

Tipping: I know there are many people who do not like having to tip the baggers, but don’t take it out on them, they are just doing their job. I always tip the baggers, but I do think it is hard to determine a fair amount. There are several factors to consider; weather, number of bags, distance to the vehicle. The more bags I have the higher the tip, but I have never tipped more than $5.

Is the commissary really cheaper: I would have to say yes, item for item, pound for pound the commissary is cheaper. I only shop at other grocery stores when I am getting things for free, or close to free. There will be times when using double coupons and bogos, you will be able to beat the commissary’s price, but unless all your shopping, including meat and produce, is done that way you will save money overall at the commissary.

Getting the best deals at the commissary

Do not shop on a payday weekend. These are the busiest shopping days at the commissary. It is almost impossible to walk down the aisles, not to mention figure out coupons if you shop during this time.

Take advantage of the tear off coupons. These are the coupons that are attached to the shelves. Many times these coupons match up with items that are already on sale. Combining sales and coupons this way can almost get you items for free. For example, last month there were many rip off coupons in the taco aisle, and all the Old El Paso items were on sale. I bought 3 jars of salsa, 4 boxes of shells, 4 cans of refried beans and 2 seasoning canisters for $6.

Plan your menus around commissary sales. The commissary rotates its sale items every two weeks, starting on Thursdays. This means the price of almost everything in the commissary changes every two weeks. If you see something on sale, stock up! It might be twice as much the next time you go to the store. I post the commissary sales every two weeks with coupon match-ups. Each store does run manager’s specials that vary from store to store. You can look up your individual commissary here.

If you live far from a commissary, try making one bulk trip every 4 to 6 weeks. At one point we lived about an hour a way from the Commissary. I went every 4 weeks to purchase in bulk; milk, yogurt, formula, diapers, bread, cereal and meat. I would also pick up the groceries I needed for the week. As far as I know, stateside commissaries do not ration items so you can really stock up on things that are a great price.

The commissary will save you more money if you live in a high cost of living area. I live in the D.C. metro area. There is no other store that can compete with the commissary’s prices. I also found this to be the case when I lived in the Virginia Beach area. If you aren’t sure about your commissary savings try making a price book. This will help you to determine whether or not making an hour or so drive to the commissary is worth your time and money.

The Exchange (PX/ NEX)

The Exchange is a department store. They sell everything from clothes to toys to jewelry and make-up. The big benefit of the Exchange is that all your purchases are tax free. This can be a huge savings on big ticket items. Their prices are competitive, but you I recommend shopping around before purchasing larger items. The Exchange does price match, and you can find their policy here.

Using your Commissary and Exchange benefits can help stretch your family’s budget. What is your best commissary or exchange shopping tip?

On Base Housing ~ The Good, the Bad and the Ugly

On Base Housing ~ The Good, the Bad and the Ugly

Base housing, you either love it or hate it. When orders arrive one of the first things we do as military spouses is check out the housing website. Is it new, old, on base, off base, what is the BAH, and will they let me bring my doberman? Housing all over the United States is being privatized and remodeled at a furious pace. On some bases the quality of military housing far exceeds the housing available in the local economy, while other housing should be bulldozed.

The Good

Priced at your BAH (Basic Allowance for Housing). When you sign a lease to move into a military home you agree to pay your entire housing allowance to the housing office. This price pays your rent, utilities, and in some cases your yard maintenance. There are very few financial surprises when you live on base.

Safety of living on base. Many housing areas are located on the military installation, which means you have 24/7 security.

Amenities. Many of the bases have pools, playgrounds, and gyms that are available for you to use for free as a perk for living on base.

Larger Housing. Some of the new housing is quite large and many junior enlisted families are getting much more out of their BAH than they would if they lived off base.

Pets Allowed. Most bases allow pets in housing without a pet deposit. Certain breeds of dogs are forbidden on many bases.

Community Feel. When you live on base you are surrounded by people who are in the your exact same situation. Many families are dealing with deployments, shift work, and watches. I have found that people are quick to befriend their neighbors because everyone has moved many times before.

Close proximity to work. If you are living on base, chances are pretty good you are living close to work as well. This could eliminate the need for a second car if the active duty member is able to bike or walk to work.

Close proximity to Commissary. Many times the commissary will be within walking distance from housing. With the cost of gas fluctuating it is nice to be within a mile of two of a inexpensive grocery store.

Housing is based on rank and number of children. If you are a lower rank but you have a lot of kids, you will get a larger home, regardless of your BAH. This means an E-3 with 4 kids will be living in a 4 or 5 bedroom home, even though they could probably only afford a 2 bedroom apartment on the economy.

The Bad

Utility Billing in some areas. Many bases that have been privatized are now monitoring and charging for utilities if you exceed the average use of like homes. So, if you are a utility hog you will be paying out of pocket for your utilities. But if you conserve, you will be refunded the difference each month.

False Sense of Security. Yes, the fact that you are living within the confines of the gate does keep certain people off base. But, there are many creeps and thieves that live in your neighborhoods. There is crime on military bases and people should use the same caution they would use out in town.

Small/ Old Outdated Housing. Even though many bases have privatized their housing, there are still many bases with substandard units. It takes time to remodel houses, so it is possible you could get stuck in a small, old house.

Housing Office. Usually there is only one housing office, so if you are having trouble, you don’t have many other options.

Same old, same old. Base housing usually isn’t very pretty. The materials used are usually cheaper and everyone’s house looks exactly the same, at least on the outside.

Lack of storage. This is hit or miss, I have lived in houses with a tremendous amount of storage and others were we were getting rid of things left and right in order to fit into the house. Many older homes do not have basements, attics, or garages.

Difficult for nonmilitary friends to visit. I always felt bad that our friends had to get out of their vehicles and were subjected to searches, in order to visit us. It made our house a less than ideal place for events and parties.

The Ugly

Sometimes base housing is ugly, really ugly.

In the end living on base is a personal decision that depends heavily on your personal circumstances. With the recent down turn in the economy it is sometimes a better deal to live off base. We were able to find a house significantly bigger than our base house for less than our BAH. In other places, the cost of living is extremely high and living on base allows people to stay within their budget.

I do recommend that junior enlisted families live on base if  the housing is adequate. Income is limited and living on base helps control fluctuating expenses such as utilities, that can bust a budget in a colder than normal winter.

What has been your base housing experience, good, bad or just plain ugly?

Making it in the Military ~ Surviving Deployment

Making it in the Military ~ Surviving Deployment at The Happy Housewife

The following is a guest post from my friend Monica. You must visit her site, she has great content, but she also has the most fabulous hair of anyone I have ever seen!

Monica is the mom of three precious preschoolers who keep her on toes at all times. She has been married to her husband, Keith, for eight years. Keith is a Chaplain in the Army and they are currently assigned to an overseas post in Germany. You can find her writing about family, faith, and the military on her blog Daily Dwelling.

Deployments and separations have become a way of life for military families. They are hard….very hard, but they are also survivable.

Our family has been through two deployments. They have been very different from one another. During my husband’s first deployment of twelve months, my twins were babies and we lived close to family, but away from the Army post that he was stationed out of. During his second deployment of fourteen months, I had three small ones to take care of and we were living in Germany, away from the support of civilian friends and family.

Each situation had its ups and downs, its pros and cons, but we made it through them both.

Surviving and Thriving in a Deployment

Plan

Before the deployment begins, accept it and begin planning. Plan for how you will communicate with your loved one and how your family will function during this time of separation. Plan for emergencies. Plan for the worse case scenarios. No, some of these are not things that we want to think about, but if we don’t they will catch us completely off guard. Having a plan in place is often more than half the battle.

Communicate

Just because your spouse is serving the country away from you doesn’t mean that they have to be cut out of your life. There are so many ways, especially because of technology, to keep communication open. Before the deployment takes place, sit down and talk about your expectations for communication. Things may change once they are downrange, but again, having a plan and being honest about your needs and/or expectations can prevent a lot of hurt feelings.

During my husband’s first deployment, he wrote a letter every single day. Yes, I have all of them saved. We also talked on the phone almost daily, but we used e-mail very sparingly and did not talk via web cam at all. During his second deployment, we e-mailed and talked on the phone on a daily basis. We also used skype to talk over web cam a lot during the latter part of his deployment. This gave the children a very tangible way to stay in touch with their Daddy.

Find a support system

You will have days that you struggle. You or your kids may get sick. You may just need a break at some point. This will all come through your support system. You may create your own support through friends from church, family members, friends within the military community, online communities, the Family Readiness Group, or any combination of those, but you will need to have one. The deployment will be so much harder than it has to be if you try to do it all on your own.

Become involved

Whether it be in your community, church, your kids’ school, a spouse’s club, or a playgroup, get involved in something! There can be a temptation to isolate yourself and not get out and enjoy life, but life has to go on and getting involved in something can help you to overcome that temptation.

Take advantage of resources

The Army, and I’m sure the other branches of the military as well, have many programs in place to help relieve the burden that is caused by deployments. Check into them and take advantage as much as you can. The Family Readiness Group is your resource to find out what is going on in your spouse’s unit and can be a great outlet for finding information about the resources that are available. The Army Family Covenant provided extra respite hours of childcare, a reduced hourly childcare rate, free programs for children and youth to participate in, and child care for FRG meetings. I was able to take advantage of all of these and they really helped to relieve some of the stress of the deployment. Yes, they all involve childcare, but that is a huge issue for families!

Accept help

There are many people out there that want to support the military and military families. They are more than willing to help in any way that they can. Army spouses can be a proud bunch that prides themselves on being independent and self-sufficient (I am and I do!). It can be a humbling experience to accept offers of help, but I have found many times that it often does more for the person that is doing the helping than the person being helped. When you refuse help, you are refusing someone the privilege of being a blessing to you! So, swallow your pride and accept those genuine offers of help!

Set goals

Before, during and even as you near the end of the deployment, sit down and write out goals for yourself and your family during this time. I had many goals. Some I achieved, some I didn’t, but having a goal gave me something to work towards during the hard times.

Be realistic

Don’t expect too much of yourself. You probably won’t achieve all of those goals that you set and you will have bad days. Don’t expect that you won’t. Be realistic with yourself and with this time in your life. At the end of the deployment, be ready to celebrate just for making it through, because that in itself is a huge accomplishment!

Making it in the Military – Emergency Readiness

Making_It_in_the_Military
The following is a guest post from Nancy Parode of About.com. She is a military wife, and a great friend in real life. She is covering a topic near and dear to her heart and one that can be applied to any family, not just those in the military

Skills You Don’t Know You Need to Know

When I was a teenager and learning to drive, way back when in sunny southern California, my father insisted on teaching me to drive in snow during a family ski trip. I protested mightily. After all, I lived in L.A. Driving in snow and ice was a skill I would never need.

Right.

Fast forward a bunch of years, to a duty station in the mountains of West Virginia. From the moment I arrived there, other military spouses asked me whether I was worried about driving in the mountains. Uh, no, I thought – Dad taught me to drive on roads like these long ago. When winter arrived, I was ready. I memorized the shady spots on the road after my first few trips up the slush-covered mountain road, because I noticed they did not thaw out.

My husband bought snow tires for my van and helped me put together a survival kit. On super-icy days, we all stayed home. Better to be stuck indoors, we reasoned, than to risk our safety in a bad storm.

Advance Planning

I’ve always planned for natural disasters; it comes from growing up in earthquake country. I even took a class on earthquakes at UCLA (great information but too much physics). My parents taught my brother and me to develop an emergency plan, create a food pantry and carry supplies in our cars. Because you can’t predict an earthquake, the only thing you really can do is prepare. Stash some food, water and medical supplies, set up an emergency contact plan, decide what you’ll do if you get stranded and – well, that’s the best you can do.

When I married the Navy, I quickly discovered that there were other types of emergencies. First on the list was emergency evacuation of family members. At our first duty station, I attended mandatory NEO training and learned how to pack an emergency kit, plan for a nuclear attack and prepare for several days on an Italian beach, waiting for rescue. It was completely frightening, but I went home and put all of our important documents into a tote bag, discussed evacuation plans with my husband and got on with life. At every duty station since, I’ve kept our important papers in an easily-accessed box.

We Navy spouses learn fairly quickly that we need to be ready to handle natural disasters by ourselves. Why? Well, ships are very expensive to build, and the Navy prefers to keep those assets safe. Whenever a big storm threatens a Navy base, the ships put out to sea – fully manned. That’s how I lived through two hurricanes on my own. Fortunately, I had discussed all of the hurricane-related issues with my husband months before he put out to sea. Having a plan literally saved my sanity, even though it didn’t save my second-floor ceiling.

Over the last 20-plus years, I’ve lived in a brush fire area (southern California) earthquake territory (Italy), hurricane zones (Virginia), tornado country (wherever you have hurricanes, you can have tornadoes) and even a deer-infested winter wonderland (West Virginia). In each place, I’ve worked with my husband and children to create an emergency plan. My husband and son, both Boy Scouts, and my Girl Scout daughter completely understand my need to prepare. Once we have a plan and supplies, I tell them, we can sleep easily – we’ve done everything we can.

Think, Learn, Practice, Prepare

Think outside the box

My parents decided to purchase a generator, install child locks on cabinets and tether heavy items to their walls after a strong earthquake flung dishes, nail polish, paint and medications out of cupboards and drawers onto their floors. After they cleaned up the huge mess, they decided they never wanted to deal with it again.

If you’re moving into hurricane territory, walk around your property. Think about which areas might flood (basements?) and decide how you’ll secure your large windows (plywood? tape?). If your new duty station is located in Tornado Alley, decide where you’ll shelter in your home, office and out in town if a tornado forms.

Living in the mountains? Decide which roads are safest during snowstorms and make sure you have an emergency kit in each car you drive. Don’t wait until disaster strikes to think about these key survival issues; that is way, way too late.

Educate yourself

When you move to a new duty station, ask about natural disasters and other local issues. You can’t prepare if you don’t know what to expect. This is particularly important if you’re stationed overseas; you’ll need to figure out how the local emergency response system works, which words to use and how to call for help if you need it.

Consider the bad guys

You know, those terrorist people. Yes, I have a plan for a dirty bomb attack. I know how much time I will probably have to evacuate, and I know enough about wind patterns to decide on the best route at the last minute. My document box is ready; I am pretty sure I could get kids, pets and documents out the door in less than half an hour. Obviously, this won’t help if a bomb explodes down the block, but I think I’m as prepared as I can be.

Acquire essential skills

If I were in charge of the world, everyone would learn how to drive a car with a manual transmission, build a fire, practice basic first aid, cook outdoors, correctly store food and water, read a map (not a GPS unit) and drive in snow. Why? Because so many things go wrong when people try to do these things in emergency situations.

Every year people die because they try to bring their charcoal barbecues indoors during snowstorms; they don’t know that the fumes can kill them. Every time we have an ice storm where I live, horrific accidents happen because drivers don’t know how to deal with zero traction on the road and don’t have the sense to stay home. Even worse, many military folks I know find themselves stranded while on temporary or PCS orders because the only rental cars available have manual transmissions.

If you can’t drive a stick shift car, get someone to teach you. Wouldn’t you hate to be unable to reach a hospital because you couldn’t drive the only available car?

Assemble important documents

This makes more sense for military folks than for anyone else. You move every two or three years – do you know where your insurance policies are? Do you know what they cover? Where are your shot cards and medical records? What about rabies certificates for your pets? If you put all these essential items together in one place, you can lay hands on them quickly if disaster strikes.

Organize your emergency pantry

You should, at minimum, have three days’ food and water (two gallons per person per day) stashed away. You should also set aside medicines, pet food, diapers and other essential supplies. Your can opener and radio should be hand-cranked in case the power goes out for several days. The FEMA website has many excellent suggestions for anyone wanting to set up an emergency pantry. Remember to include cooking pots, utensils and fuel (charcoal, wood, etc.).

Your emergency pantry should also include cash – cash you have on hand right now. If a storm or earthquake strikes, your local ATM won’t work. How will you pay for an out-of-town hotel room or gasoline for your car without your stash of cash?

Learn to survive outdoors

That emergency pantry won’t help you if you can’t use it. Practice cooking outside – make it a family picnic – and think about how you’ll use your food and water if you’re stranded at home with no utilities for several days.

Practice

Remember grade school fire drills? You should be holding similar drills at home, preferably every month while your children are young. If an emergency arises, your training will kick in and everyone will know exactly what to do. Every time you move, make a new escape plan for your home and practice, practice, practice. This goes double for anyone stationed in tornado territory.

Making emergency responses automatic is essential if a tornado is bearing down on your home or car. You won’t have time to think about what to do. Practicing beforehand will allow your self-preservation instincts to kick in when you need them most.

Insure against disaster

If you own a home, your fire policy will protect you against most – but not all – disasters. Floods and earthquakes are special cases and you will probably need to take out special policies to insure yourself against their effects. If you live on base or rent, get a renter’s insurance policy to protect your possessions. Renter’s insurance is inexpensive compared to the cost of replacing everything you own. Be sure to ask about getting a special policy, called a “rider,” for computers, jewelry and other high-value items.

Extend your plan

Contact far-away family members and set up an emergency communications plan. Decide who will accept all the “I’m okay” calls and make sure everyone has that person’s telephone numbers. In case of a real emergency, text messaging is the best way to contact family; text messages don’t tie up the cell phone system the way voice calls do. Make sure older family members can read and send text messages; this is not an intuitive skill for many cell phone users.

In my family, everyone knows to call me if an earthquake hits; I live in a different state, one without earthquake risks, and will be able to follow up on missing family members long after their local phone service goes down. (Guess how we know? We’ve had to do this once already.)

Don’t panic (and never travel without your towel)

Douglas Adams fans will recognize this slogan, which actually offers excellent advice. If you’re prepared, know where you’ll go if you need to evacuate and have a plan for those almost-unplannable moments, you will be calm when disaster strikes. You won’t dither or worry; instead, you will switch to disaster mode and execute your plan. The towel? Very handy. Besides functioning in the obvious way, your towel can be a blanket, rain shield, sunshade, emergency beacon, pet bed, baby changing pad, pillow…let your imagination run wild.

The Bottom Line

As a military family member, you face more disaster preparedness challenges than most people ever think about. Every duty station comes with a new list of potential problems, and it’s up to you to learn about them. In the end, the difference between disaster and survival stares you in the face each morning during tooth-brushing time – and it’s you.

You can educate yourself, acquire skills, accumulate supplies and practice with your family. Even if no one else in your family wants to think about this stuff, you can help everyone prepare. And if you prepare, you will survive.

Making it in the Military ~ Life as a Military Kid

Making it in the Military ~ Life as a Military Kid at The Happy Housewife

The following a guest post from my friend Kelly, who I was fortunate to meet in real life at BlogHer 09.

Kelly is a wife and mother of four young children.  Residing in Texas, she and her family enjoy playing together, family movie nights, and friendly theological debate.  While mostly kept busy homeschooling, baking, cooking, cleaning, or sewing, she does take time to blog at Wisdom Begun.  One day she and her husband hope to own a family farm where they will attempt to turn back a hundred years.

Growing Up Brat

My father and mother married a year after high school. During that time my father enlisted in the military.  When I was still very young he went through Warrant Officer training and became a helicopter instructor pilot.  I have many photos of me as a young child wearing my orange “I love a WOC” t-shirt.  Eventually he would retire after 20 years of faithful service as a Chief Warrant Officer 4.

Baby Kelly - Making it in the Military ~ Life as a Military Kid at The Happy Housewife

We did not live on or near base for some of our military years.  My father was last “stationed” at a small National Guard Unit in Florida.  We were church members, but as there were no other military families in that congregation for quite a while, no one could quite comprehend what our lives were like.  Very few families could identify with such a demanding job. Yet there were many blessings to growing up in the military.  I saw a different side to life.

I had never known a civilian life.  I only knew a life in which dad was gone a lot but we always felt his love.  A life in which it was normal to hear a helicopter flying over our house continuously at 11 o’clock at night and realize hey! that’s my dad.  Of course being overwhelmed by the spotlights he shown on us as we stood out on the driveway might not be par for the course.  But still, that was life.  Our life consisted of shopping at the commissary and getting 20 something boxes of cereal for less than cost.  Or running around the PX at nine years old, searching for my father to tell him that mom was in labor and on her way to the hospital.  Or, missing your dad for 4 weeks because he is down in Miami rescuing hurricane Andrew victims in his helicopter.

Kelly and Dad - Making it in the Military ~ Life as a Military Kid at The Happy Housewife

I look back now and question myself as to whether or not I would have it any other way.  I would not.  You remember all those little anecdotes I shared with you earlier?  Those gave me my view on life.  I know now that Dad worked so very hard in a job which many may not understand.  He worked whenever he was needed whether that be in the middle of the night or during the day or for weeks on end with no break.  He is a very disciplined and orderly person.  The Army taught him that.  My mother tirelessly raised a houseful – and by houseful I mean 9 children – and homeschooled us as well.  She held down the fort as Dad went on various missions and trainings that left him necessarily absent.  I have seen very few women who are as strong mentally as she is.  She never ever complained to anyone about having to parent by herself and rarely asked for outside help. I always hope to emulate her ability to get done what has to get done.

As for me, I learned that no family is the same and that is okay.  I learned teamwork.  I learned respect for what was needed to protect our country, often at the cost of spending more time with one’s family.  Growing up without my dad around all of the time was hard at times but I knew why it was necessary.  I learned respect for our country and our flag that is sadly going away.

Making it in the Military ~ Life as a Military Kid at The Happy Housewife

In reality growing up in the military really isn’t all that different.  I was still a little girl who loved to play dolls and ride my bike outside.  Our family laughed and played together perhaps even more so than any other family.  Watching sports, eating out, visiting the zoo: we made time for that.  Other families may not have gotten up at 3am to view the Hale Bop comet through night vision goggles, but we still enjoyed our time together.

That’s just how life was.

Making it in the Military ~ Life as a Military Kid at The Happy Housewife

Surviving Deployments with Small Children

Surviving Deployments with Small Children at The Happy Housewife

Our guest post today is from Ann Marie, an Army wife, who is currently stationed in Germany. A SAHM of 3 children under age 4, her hobbies (when she has time!) include blogging, photography, cooking, sewing, and gardening. You can find her at her writing at Thoughts and Musings of Ann Marie.

Deployments with small children

I am a relatively “new” military wife, in that we’ve only been married about 5 years… but you could call me a somewhat “seasoned” army wife, in that my husband has deployed to Iraq 3 times and we just had our third baby! For this article I will often be referring to my “soldier” and “daddy” being deployed – I do realize there are both men and women deployed in all the branches of our armed forces – it’s just for simplicities sake. 🙂

I am no expert when it comes to deployments… but I can share what we have done in our family to help our children cope with Daddy being away. One important lesson I have learned is that I have to take care of myself in order to care for our children – this doesn’t mean a daily facial and large portions of chocolate covered strawberries…. Getting enough rest, some sort of exercise routine, eating healthy, and spending time with other spouses are a few good suggestions. Once a week during this last deployment, I would put my two boys in daycare for 4 hours. This was MY time… I could run errands, catch up on household chores, or just take a hot bubble bath and paint my toes… As parents, we often put ourselves last on the list – but if you don’t keep refilling your cup, you can’t overflow into your children.

Infants (birth to 2yrs.)

While I was pregnant with our first child, I recorded my husband reading stories to my belly. While Daddy is deployed, I play it at bedtime – so our children fall asleep listening to him tell stories. I also saved some of his worn t-shirts, put them in freezer Ziploc bags, and periodically pull them out during the deployment so our children are familiar with his smell… (not stinky BO smell! but nice Daddy-Man smell!) I also have pictures everywhere… literally everywhere… I print 8×10 pictures with our printer, and hang them on the fridge, closet doors, and even sideways by the changing table… everywhere our little people spend time.

Young children (2-4yrs)

Sesame street has created a wonderful video series called “Talk, Listen, Connect” to help young children understand deployment. (They are free to download from their website.) The also have great suggestions for activities for while your soldier is deployed – print out calendars and make Xs on days until homecoming or talk to Daddy on the phone or via webcam if possible.

There are lots of different organizations such as Operation Hug-a-Hero and Dog Tags for Kids where you can order things to help your children stay connected with their deployed soldier. There are also many new children’s books about deployment that can help your child express some of what they are going through (search children deployment on amazon and you’ll find a ton).

The internet is a good place to find information and resources to help you and your child cope with deployment. Here are a few good links I discovered while researching this post:

If you are a military family who has been through a deployment – What are the things that really helped you? What did you learn about your children? How did you stay connected?

Educational Benefits for Military Spouses

Educational Benefits for Military Spouses at The Happy Housewife

The following is a guest post from a fellow military spouse who has taken advantage of an awesome opportunity provided to military spouses.  Rachel Perez runs a Copywriting, Editing and Proofreading Services website.

Rachel says:

I am very happily married to my husband of eight years and we have two children, a five-year-old son and a nine-month old daughter.  After struggling in corporate America for four years after his graduation from college, my husband decided to follow through on something he’d wanted to do for several years – join the Army.  He left for Basic Training in October 2008, and we moved to our first duty station (1700 miles from home) in June 2009.

I taught high school science for eight years in Texas, and simply assumed that I would be able to find a teaching job in New Jersey.  In Texas, a person with a bachelor’s degree can get a teaching job and work on obtaining certification during their first year of teaching, so I thought I would be able to do something similar in New Jersey.  I applied for eight or ten jobs and received not one single phone call.  As August approached, it became clear that I would not be teaching during the 2009/2010 school year because I didn’t have my New Jersey teaching license.

I spoke to a woman at the Army Community Service on our post regarding their Employment Readiness Program.  She directed me to Military One Source and told me that they had funding available for education of military spouses.  I will admit that, at first, the Military One Source website was overwhelming; they have so much information.  After creating an account with the site, I eventually called the toll-free number to get more specific directions. I was directed to the My Career Advancement Account (MyCAA) information and account creation pages.

Military One Source allows for up to $6000 in funding for spouses of active duty members (including activated National Guard and Reservists) to further their education in a portable career.  An incredibly wide variety of careers qualify.  This funding can be used to take courses that will result in a degree, license, or certification.   Military One Source provides MyCAA consultants to help spouses create Career Plans and choose appropriate coursework.

Military One Source has already established connections with hundreds of schools, so registering and making payment for coursework at those schools is very simple.  Additionally, if a spouse would like to take courses at a school that has not already formed an agreement with Military One Source, there are instructions for getting that school to contact Military One Source and make those arrangements.

My personal experience with MyCAA could have been a bit better.  I had to make several different phone calls to get information about making my career plan, received a different set of instructions each time and then did not receive return calls.  Finally, I insisted that the MyCAA consultant stay on the phone with me while I arranged for my coursework.  She walked me through each step successfully as I negotiated their online registration.  I then had to call the school I had chosen and let them know that the funding for my coursework would be through Military One Source.  The person I spoke to at the school took my information, double-checked with Military One Source, and called me back in 10 minutes to confirm my acceptance, registration and enrollment.  I started on my coursework that very afternoon.

The very best part about this process is that I never had to make a payment.  I didn’t have to wonder if I would get reimbursed or lose money due to misinformation or a technicality.  Military One Source makes payment directly to the school.

I would have been able to use this funding to obtain my New Jersey teaching certificate, but I’ve decided to go a different direction with my career.  For several years, I’ve looked at becoming a freelance writer, but I never had the time or funds to invest in it.  MyCAA has allowed me to take an online program that will result in a Technical Writing certification.

My advice for military spouses is to visit MyCAA and get started.  Be persistent with the MyCAA consultants.  This funding is there for the taking, so get after it!

Your Education Benefits ~ Making it in the Military

Your Education Benefits ~ Making it in the Military at The Happy Housewife

The following is a guest post by The Happier Husband. During his 22 year military career he has earned 3 degrees and numerous certifications most of them for free thanks to the educational benefits provided to him by the military.

Your Education Benefits ~ Making it in the Military at The Happy Housewife

Last post I promised that I’d tell you about how I got 27 free undergraduate college credits in one day. I used cheapest, fastest, and most overlooked method to accrue college credits – CLEPs. CLEP stands for College Level Examination Program. CLEPs are basically exams you can take that will earn you 3-6 undergraduate (bachelor level) credits per test.

There are 34 CLEP exams and 37 DSST exams that can earn you more than enough lower level undergraduate courses to cut your path to a B.S. or B.A. in half. The beauty of the program is that you can’t lose. The scores for credit are based on the mean scores achieved by college students that earned at least a “C” in the class for which they took the test. This means you only have to get an average score to qualify for credit. You don’t need to be a genius, you just have to test as well as the average college student.

You can do it – but if you don’t get a high enough score, there’s a feature to this program that stacks the deck in your favor. When you order your transcript you can elect to have the transcript only show the tests that earned you credit. That’s right – MIT doesn’t ever need to know that it took you 17 times to get 3 credits for Human/Cultural Geography, they just get the successful score.

The best part about CLEPs, if you are active duty, you don’t pay a dime for these tests and you can earn literally hundreds of college credits accepted ay thousands of schools across the US.

You can earn credits in:

Business

Financial Accounting
Introductory Business Law
Information Systems and Computer Applications
Principles of Management
Principles of Marketing
Business Law II
Business Mathematics
Human Resource Management
Introduction to Business
Introduction to Computing
Management Information Systems
Money and Banking
Organizational Behavior
Personal Finance
Principles of Finance
Principles of Supervision
Principles of Financial Accounting

History and Social Sciences

American Government
Human Growth and Development
Introduction to Educational Psychology
Introductory Psychology
Introductory Sociology
Principles of Macroeconomics
Principles of Microeconomics
Social Sciences and History
History of the United States I: Early Colonization to 1877
History of the United States II: 1865 to the Present
Western Civilization I: Ancient Near East to 1648
Western Civilization II: 1648 to the Present
Art of the Western World
The Civil War and Reconstruction
Ethics in America
A History of the Vietnam War
Human/Cultural Geography
An Introduction to the Modern Middle East
Introduction to World Religions
Principles of Public Speaking
Rise and Fall of the Soviet Union
Technical Writing
Western Europe since 1945
Criminal Justice
Foundations of Education
Fundamentals of Counseling
General Anthropology
Introduction to Law Enforcement
Lifespan Developmental Psychology
Substance Abuse (formerly Drug and Alcohol Abuse)
Humanities

Science and Mathematics

Biology
Calculus
Chemistry
College Algebra
College Mathematics
Natural Sciences
Precalculus
Astronomy
Environment and Humanity: The Race to Save the Planet
Fundamentals of College Algebra
Here’s to Your Health
Physical Geology
Principles of Physical Science I
Principles of Statistic

Composition and Literature

American Literature
Analyzing and Interpreting Literature
English Composition
English Literature
Freshman College Composition

Foreign Languages

French Language (Levels 1 and 2)
German Language (Levels 1 and 2)
Spanish Language (Levels 1 and 2)

Get out there are beat my record of 27 credits in one day!

This post is part of the series, Making it in the Military, dedicated to helping service members and their families make the most out of their time in the service. You can find the rest of the articles here.

Educational Benefits for Military Members

Educational Benefits for Military Members at The Happy Housewife

The following is a guest post by The Happier Husband. During his 22 year military career he has earned 3 degrees and numerous certifications most of them for free thanks to the educational benefits provided to him by the military.

Educational Benefits for Military Members at The Happy Housewife

The steady pay and medical coverage are clearly the biggest immediate benefits one gets when they sign up to put themselves in harms way as a service member, but I believe the biggest long term benefit and the most under-utlilized is the educational package offered to our active duty folks. Let me write that in another way – If you or your spouse is active duty and you aren’t using your educational benefits, you’re losing out on several thousand dollars a year worth of long term benefits.

The military does a great job of training its members to do the job they’ve been hired to do. This training sometimes is transferable to civilian employment, sometimes not. An accredited degree will always be an asset and will never leave your resume. U.S. service members have signed on to leave home with no notice, possibly go in to the most dangerous places in the world, and perhaps not be able to tell anybody the details when they get back. Take advantage of the benefits you’ve been offered. The military will get what they need out of you so get what you can while you can.

Enough of the soapbox – What are the details?

The first and most obvious benefit is Tuition Assistance (TA). Depending on your branch of service, you can get $3,500-$4,500 of college classes 100% covered. This is huge. If you are willing to get a regionally accredited degree from an online or local school you can tack on big numbers on your salary once you get out or apply your degree to your military career in terms of faster enlisted advancement or a commission/promotion. The degree is a prerequisite for most commissioning programs and, although it doesn’t guarantee advancement/promotion, it make you more competitive with your peers for the next rank up.

This is a huge deal. I consistently talk to my sailors about using these benefits and the great majority of them are not in programs. There are very few acceptable excuses for not starting. Life will always give you roadblocks. Your job is to make your way over or around them so you can make a better future for you and your family. Have your military transcripts evaluated and you may find that you’re closer to a degree than you imagined. Find a school (again, regionally accredited) that will take your military credits and give you a head start on your degree completion. With so many colleges and universities offering online classes there is no excuse for not pursuing some sort of degree.

If traditional college isn’t your cup of tea, consider using TA for a certificate program. TA can be used to obtain computer certifications, a real estate license, or other non traditional course as long as they are approved and accredited.

Over a 20 year military career not using your Tuition Assistance benefits could cost you 90,000 dollars in educational benefits! What are you waiting for?

Tomorrow, or sooner, contact your base education office and get started on something that can change your life. Get your bachelor’s and then start your masters degree – for free!

Coming up next: How I earned 27 undergraduate credits free in one day and how you can too.

This post is part of the series, Making it in the Military, dedicated to helping service members and their families make the most out of their time in the service. You can find the rest of the articles here.