KateHorrell

Helping Military Families Make The Most of Their Money

BAH Rate Protection (or The Grandfather Clause)


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As the Department of Defense (DoD) gets ready to release the 2022 Basic Allowance for Housing rates, this is a perfect time to review BAH rate protection, or “the grandfather clause.” (Rates are usually announced on or around the 15th of December.) Each year, the DoD does a thorough study of the actual costs to… | Read More…

When Is The Next Military Payday? (And When Will You See That Money?)


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Planning your spending is easier when you know when you’ll have the money to spend. And while military paydays are tied to the 1st and 15th, they get moved due to weekends and holidays – or even weekends AND holidays put together. And then there are many banks and credit unions that offer early crediting… | Read More…

Everything About Tricare Costs and Fees 2021 AND 2022


This post may contain affiliate links, from which I may earn revenue to support this free site. All opinions are my own, and I only promote products that I use and love!

Tricare costs can be more confusing than you’d think, especially if you’re used to being treated at Medical Treatment Facilities (MTF) and you start seeing civilian providers. And it doesn’t help that the civilian providers often don’t know what’s going on, and sometimes the contractors (Humana in the East, Health Net Federal Services in the… | Read More…

Is It Smart To Invest In Cryptocurrency?


This post may contain affiliate links, from which I may earn revenue to support this free site. All opinions are my own, and I only promote products that I use and love!

My friend Jerry Zeigler knows way more about cryptocurrency than I do, so I asked him to write something so we can all learn.   As a financial counselor, I once had a client who had put all his savings into cryptocurrency before he became my client. He subsequently lost his job during a period when… | Read More…

Long Pay Period Warning & Your Personal Finance Stress Test


This post may contain affiliate links, from which I may earn revenue to support this free site. All opinions are my own, and I only promote products that I use and love!

This November end-of-month pay period is going to be long for anyone who gets early direct deposit of military pay. Every time we have a long pay period, Facebook explodes with conversations on this subject, and they provide a fascinating look into how people handle their money. Actual Military Paydays Because every month is not… | Read More…

2022 Disney Military Discounts Just Released!


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The Mouse has announced his Disney Armed Forces Salute military discount rates for 2022. If you’ve been waiting for the 2022 Disney military discounts, now is the time to plan your trip! Editor’s Note: If you are a military family planning a vacation, it’s always a good idea to purchase travel insurance. It’s particularly a… | Read More…

December Military Scholarships for Service Members, Veterans, Spouses & Kids


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This post is part of my ongoing Military Scholarships series. December is such a busy month, you might as well go ahead and get started on these important scholarship applications now. HotelPlanner Graduate Technology Scholarship Deadline: 15 December 2021 Description: This scholarship from HotelPlanner.com is for veterans and the partner/children of veterans if they are currently… | Read More…

2022 Increases In Military Retirement Pay (plus VA Disability, Social Security, and other federal payments)


This post may contain affiliate links, from which I may earn revenue to support this free site. All opinions are my own, and I only promote products that I use and love!

The 2022 military retirement pay increase has been calculated, and it’s a doozy – 5.9% for those who retired prior to 2021! This projected increase is based on the Social Security cost-of-living adjustment. The Social Security adjustment changes the VA disability compensation rates by law, and while it isn’t law, military retirement pay has customarily… | Read More…

Trees for Troops Locations for 2021


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Trees for Troops has announced the locations for the 2021 free tree giveaways. The Trees for Troops program is generously funded by Christmas tree growers and folks who purchase trees to be donated, with significant logistical support from Fedex. The Christmas Spirit Foundation has given away over 262,000 trees through the Trees for Troops program,… | Read More…

Tricare Open Season: How To Pick The Right Tricare For Your Family


This post may contain affiliate links, from which I may earn revenue to support this free site. All opinions are my own, and I only promote products that I use and love!

It’s that time of year again: Tricare Open Season. This year’s Tricare Open Season runs from Monday, 8 November 2021 (next Monday!) through Monday, 13 December 2021. Be sure to select what Tricare plan you want to use for 2022 during the open season, or you’re stuck with what you had in 2021 unless you… | Read More…

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Disclaimer

Kate does not represent the Department of Defense, the Department of Veterans Affairs, or any government agency. This blog is strictly for informational and entertainment purposes only. The content on this site should not be considered professional financial or legal advice. I may receive compensation through affiliate or advertising relationships from products mentioned on this site. All reviews on this site represent the personal opinions of the author. All references to third party products, rates, and offers may change without notice.