KateHorrell

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10 Things To Do During A Government Shutdown

1 October 2025

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!

Welp, it finally happened. The government has actually shut down. This can mean a lot of things for military families. Among them, it may mean that military pay is delayed. While this can be a stressful situation, it isn’t a surprise and it isn’t a disaster. Government shutdowns are, unfortunately, somewhat common. The government has… | Read More…

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2025 Military Basic Allowance for Subsistence, or BAS

21 December 2024

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 2025 Basic Allowance for Subsistence (BAS) rates have been announced. After large increases for a few years, last year and this year’s increase is pretty darn small. That is because it is tied to the increase in the cost of food, and the cost of food isn’t rising as dramatically as it did during… | Read More…

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The Budget and the Debt Ceiling: How A Government Shutdown Could Affect Military Pay

19 December 2024

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!

Editor’s note: Government Shutdown! Every time I publish something like this, I get a bunch of people telling me that I’m being dramatic. Or that the military will always get paid. Or that I’m being irresponsible for getting people upset. That’s not the intent at all. If you’ve spent any time at all around these… | Read More…

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12 Ways To Prepare For The Next Government Shutdown

22 September 2024

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!

As much as we all like to think that military pay is a sure thing, there are situations that can affect it. And, as always, having a plan is the first step in dealing with whatever life throws at you. What should military families be doing to be better prepared for the next government shutdown?… | Read More…

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Filed Under: Pay, Personal Finance

New To The Military: Understanding Military Pay Raises

22 July 2024

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!

One great thing about the military pay scale is that there are regular raises built right into the system. When you’re first starting out, they come a little more frequently. Then the pace tapers off after you’ve been in the military a while. There are three types of regular pay raises in the military: promotions… | Read More…

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Five Things To Check On Your Military Retiree Account Statement

27 June 2024

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!

Retired military members receive a monthly account statement similar to the active duty Leave and Earnings Statement. When you’re still serving, you get an LES each month to list all your pays, allowances, deductions, and allotments. Once you transfer to the retired side, the same information is available on your Retiree Account Statement (RAS). Just… | Read More…

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Filed Under: Pay, Retirement

85 Ways To Get Through A Long Pay Period

25 March 2024

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!

Because months aren’t always 28 days long, and because military paydays don’t happen on weekends or holidays, there are times where there is a long stretch between military paychecks. Sometimes, it can be as long as 20 days! If you’re living paycheck-to-paycheck, or you budget pretty tightly, that can create some challenges to making sure… | Read More…

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Simplify Your Life By Using More Bank Accounts

14 March 2024

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!

Who knew that more bank accounts could make your life simpler? Most people are looking for ways to improve their financial management. Maybe they need a complete overhaul, or maybe just a few small tweaks. There is usually room for some improvement. Though it seems counter-intuitive, I’ve found that maintaining multiple bank accounts helps me… | Read More…

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Filed Under: Pay, Personal Finance

Will The Military Get Paid If We Hit The Debt Ceiling?

24 May 2023

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!

Will the military get paid if we hit the debt ceiling?

Update 30 May 2023: It looks like there is going to be a deal. Which we all hoped, obviously. So we can not worry about this for a few years. But it’s good to know what could happen, because this issue has not been resolved forever. What the heck is a debt ceiling? And is… | Read More…

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Filed Under: Pay, Retirement, Veterans

Military Pay Is Calculated On A Monthly Basis

6 March 2023

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!

  Almost all military members are paid twice a month. But the accounting is handled on a monthly basis. Why? And why should you care? Understanding this monthly military pay system can help explain a lot of things about pay. This includes why your mid-month pay shows up as a deduction on your LES, how… | Read More…

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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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