KateHorrell

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

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2026 NFCU Military Paydays – with Printables

14 January 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!

Looking for information on the upcoming paycheck? Find details at When Is The Next Military Payday? Navy Federal Credit Union (NFCU) is a very popular bank for military service members. NFCU has several types of checking accounts, and their Active Duty Checking account offers a variety of benefits including free checks, ATM rebates, and early crediting… | Read More…

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Filed Under: Pay

2026 Retired Military Paydays – With Printables

14 January 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!

The 2026 Military Retirement Payday calendars are here! Military retirement pay is paid monthly, on the 1st of the month, unless the 1st is on a weekend or holiday, in which case it is paid on the previous business day (the last business day of the previous month.) Military retirement pay is paid in arrears,… | Read More…

3 Comments
Filed Under: Pay, Retirement

February Military Scholarships for Service Members, Spouses and Kids

9 January 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 February Military Scholarship post is part of my ongoing Military Scholarships series. As long as you’re stuck in the house hiding from the cold, you should be applying for these military scholarships! As with any other scholarship resource, please verify eligibility requirements, application processes, and due dates. While we do our best to ensure… | Read More…

3 Comments
Filed Under: Education

Military Dislocation Allowance and 2026 Rates

7 January 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!

Dislocation Allowance (DLA) is a military allowance designed to partially reimburse service members for some of the costs incurred when relocating a household. It is authorized for PCS moves, when ordered to move into military housing for the government’s convenience, and when evacuated from a duty station. The Joint Travel Regulations (JTR), Chapter 5, Section… | Read More…

211 Comments
Filed Under: Moving

Legal Residence after Leaving The Military

2 January 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!

As active duty service members and their spouses, you’ve benefitted from laws that allow you to maintain your legal residence somewhere other than where you actually live. However, these federal laws no longer apply once you leave the military. So what happens then? In short, you become a legal resident of the place where you… | Read More…

1 Comment
Filed Under: Retirement, Transition/Separating

2026 USAA Military Pay Dates – With Printables

18 December 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!

2026 USAA Active Duty Military Pay Deposit Calendars are here! I know y’all thought I was never going to get these done 🙂 Looking for information on the upcoming paycheck? Find details at When Is The Next Military Payday? To my ongoing surprise, USAA military pay dates continue to be the most frequent search here at… | Read More…

102 Comments
Filed Under: Pay

2026 Military Basic Allowance for Housing Rates

13 December 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!

2026 military basic allowance for housing rates are out! Go see! (iPhone users reading this on Facebook, you may need to open this page using the three dots instead of clicking through from Facebook. Not on an iPhone? Right-click, select “copy link address,” and put it into a new tab. I wish I could fix… | Read More…

47 Comments
Filed Under: Housing

Your Spending Plan: Why Can’t You Stick To It?

8 December 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!

This really helped my figure out why I should care about my money.

Spending plan, otherwise known as a budget. Just the word(s) makes a lot of people stop paying attention, and that’s a shame because a spending plan is the most effective way to create the financial life that you desire. Most people have tried to use a spending plan at some point in their lives, and… | Read More…

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Filed Under: Personal Finance

Everything About TRICARE Costs and Fees 2026

6 December 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!

TRICARE costs can be more confusing than you’d think. This is especially true if you’re used to Medical Treatment Facilities (MTF) and you start seeing civilian providers. There are deductibles and co-pays and networks and catastrophic caps. Who can keep track? It doesn’t help that the civilian providers often don’t know how it works. Heck,… | Read More…

24 Comments
Filed Under: Medical

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

3 December 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!

This January Military Scholarship post is part of my ongoing Military Scholarships series. Next month is a doozy, so get your stuff in order, request those letters of recommendation, and start reviewing all the tricky little details. I made my poor daughter labor over an essay for a scholarship, and we later figured out that… | 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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