KateHorrell

Helping Military and Veteran Families Be Confidently Prepared for The Next Stage of Life

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When Is The Next Military Payday?

16 July 2026

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The next regular military payday is Friday, 31 July 2026. When will you get paid? That depends on the policies and practices of your bank or credit union.  USAA Military Pay Date USAA credits military pay deposits TWO business days early. That means that USAA members should see their pay deposited on Wednesday, 29 July… | Read More…

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Filed Under: Pay

Life Insurance and Disability Claims

11 July 2026

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An image of a man reading forms with the title "Life Insurance and Disability Claims."

“Make sure you buy life insurance before your disability claim is finalized.” I hear this myth a lot. And, like most myths, it’s based in a little bit of fact. But that little bit of fact doesn’t make it a true statement.  Insurers underwrite based on your actual medical history and symptoms, not on whether… | Read More…

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Filed Under: Retirement, Transition/Separating

August Military Scholarships for Service Members, Veterans, Spouses and Kids

6 July 2026

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 August military scholarships post is part of my ongoing Military Scholarships series. There are no scholarships this month as organizations prepare for the new season coming up, but I’ve included one with the deadline on the 1st of September. Enjoy the break, get yourself organized, and plan ahead for future months that are fuller…. | Read More…

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Filed Under: Scholarships

10+ Places To Learn About The Survivor Benefit Plan (SBP)

10 June 2026

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!

Retiring service members and their spouses MUST learn about the Survivor Benefit Plan before they make a decision. The choice whether to purchase the military’s Survivor Benefit Plan (SBP) coverage may be the largest financial decision of your life. As I’ve discussed extensively, it is a very individual decision and there is no best answer… | Read More…

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Filed Under: Retirement

Post 9/11 GI Bill for Academy and ROTC Grads

9 June 2026

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!

USNA Midshipmen throw their covers at graduation

Reserve Officer Training Corps (ROTC) and U.S. service academy graduates have unique rules when it comes to earning the Post 9/11 GI Bill. While the valuable education program provides the same benefits, the initial service commitment for ROTC or the service academy does not count towards PGIB entitlement. ROTC and academy grads can still earn… | Read More…

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Filed Under: Education

Military Long Pay Period Warning & Your Personal Finance Stress Test

4 June 2026

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!

If your bank or credit union credits your military pay two business days prior to the actual payday, the June 2026 end-of-month pay period is going to be long – 18 days in most cases.  Every time we have a long pay period, Facebook explodes with conversations on this subject, and they provide a fascinating… | Read More…

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Filed Under: Pay

July Military Scholarships for Service Members, Veterans, Spouses and Kids

2 June 2026

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 post is part of my ongoing Military Scholarships series. July is possibly the slowest month in the military scholarship world. Maybe August – every year is different. If you don’t find much here, you can get a head start on some of the scholarships coming up in future months. While the new list won’t… | Read More…

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Filed Under: Education

Military Scholarships for Service Members, Veterans, Spouses and Kids

28 May 2026

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!

Back in the day, I used to have a little website called Military Scholarship Finder. (Wait – does anyone even say “back in the day” anymore? Am I old?) I enjoyed posting the scholarships and grants that I found, but I hated the platform on which I set it up, and I stay pretty busy… | Read More…

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Filed Under: Education, Scholarships

Everything About Temporary Lodging Allowance (TLA)

22 May 2026

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!

Temporary Lodging Allowance (TLA) is an allowance to offset the cost of staying in temporary lodging when moving to and from an overseas. This is the allowance you get on the overseas side of the move. (You get TLE on the CONUS side of the move.) When a military person or family is executing Permanent… | Read More…

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Filed Under: Moving, Overseas

June Military Scholarships for Service Members, Veterans, Spouses and Kids

8 May 2026

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!

military scholarships

This June Military Scholarships post is part of my ongoing Military Scholarships series. The scholarship season is slowing down, but there are still opportunities available.   As with any other scholarship resource, verify eligibility, requirements and deadlines. We make every effort to ensure these listings are up-to-date, but we can’t guarantee it! Jewish War Veterans… | Read More…

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Filed Under: Education, Scholarships

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WELCOME!

Confidently Prepared!™

Hi! I'm Kate! Accredited Financial Counselor®, Chartered Financial Consultant®, and Military Qualified Financial Planner®. I'm also the spouse of a retired sailor and mom of four young adults.

Here at the blog, I talk about the financial issues that affect military families - pay, allowances, and benefits. Plus college stuff, landlording, moving, taxes. We cover a little bit of everything.

My goal is to give you the tools to make the best decisions right now, so you'll be confidently prepared for whatever comes next - whether that's a PCS move, transition to civilian life, or retirement.

So grab a cup of coffee, tea, or whatever makes you happy, and let's get to know each other.

Confidently Prepared™ A Printable Binder to help your military family be ready for whatever surprises life throws at you next.

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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.

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