Financial Readiness supervisor offers ways for military families to avoid common PCS pitfalls

By Tere Kangas | Financial Readiness Army Community ServiceAugust 15, 2025

Financial Readiness supervisor offers ways for military families to avoid common PCS pitfalls
ACS Financial Readiness supervisor Tere Kangas offers 7 pitfalls to avoid this PCS season. (Photo Credit: Fort Knox New archive photo) VIEW ORIGINAL

FORT KNOX, Ky. — Military moves can be very stressful and complex; avoiding common mistakes and misunderstandings can make the process much more manageable.

Consider the following pitfalls when preparing for your next PCS move:

Waiting until the last minute

Why it’s a pitfall:

Military moves have strict timelines, and procrastination can cause chaos. Delays in gathering personal documents, scheduling packers/movers and securing temporary housing can lead to missed deadlines, extra costs and added stress.

How to avoid it:

Start early: Begin planning before receiving orders. Know your entitlements and options. Soldiers, take the required training at https://www.financialfrontline.org/soldier/pcs/.

Families, learn more at https://www.milspousemoneymission.org/military-lifecycle-permanent-change-of-station-pcs/ to help your Soldier succeed.

Create a checklist with deadlines that need to be completed, including scheduling of the movers, travel arrangements, and any required paperwork.

Not fully understanding entitlements

Why it’s a pitfall:

Many Soldiers and families do not understand entitlements or how certain choices, like a Do-It-Yourself (DITY) move — now known as Personally Procured Move (PPM) — can impact the move.

How to avoid it:

Learn about allowances such as Dislocation Allowance (DLA), Temporary Lodging Allowance (TLA), per diem, and Permissive Temporary Duty (PTDY) among others. Go to https://www.travel.dod.mil/Policy-Regulations/Joint-Travel-Regulations/ for more information.

Know household goods weight limits and what professional items are allowed. If the above link does not lead you to your weight limit per rank, contact your local transportation office.

Be aware of PPM unauthorized expenses, including auto transporter, extra drivers, hitch fees and tow bars.

No or incomplete inventory of household goods

Why it’s a pitfall:

Without a detailed inventory of your household goods, resolving issues with missing or damaged items after the move can be much more difficult.

How to avoid it:

Take photos or capture a video or your items before the packers arrive. This will also help in the unfortunate event of an insurance claim.

Hand-carry important items or ship them to a trusted sponsor. If you ship them, pay for insurance and receive a tracking number.

Overpacking or under-packing

Why it’s a pitfall:

Packing too little or too much can cause unnecessary stress and financial hardships. Overpacking can lead to extra fees, while under-packing can result in additional purchases upon arrival at your new destination.

How to avoid it:

Declutter before moving – have a yard sale, donate extra items, and dispose of unwanted items.

Pack essential items like medication, toiletries and important documents separately to ensure movers do not pack them.

Be sure to keep pet supplies and other essential items out of the loading area. Of special note: There are specific rules and/or restrictions on the shipment of personal firearms. If you have firearms, find out what they are.

Neglecting temporary housing arrangements

Why it’s a pitfall:

Upon arrival at your new duty station, you may not have immediate access to permanent housing.

How to avoid it:

Secure temporary lodging early. Check with the gaining duty station to see if you can be placed on the base housing list.

Research the area for housing options, local services, family amenities and school choices, whether you plan to live on or off post.

Forgetting to update important information

Why it’s a pitfall:

Forgetting to update your address, medical records, banking information and school details can lead to lost mail, missed payments and potential financial hardship.

How to avoid it:

Update your address with each company you’ve done business with, not just the post office. Don’t forget subscriptions like magazines and other important institutions.

Update Tricare, and ensure any medical records are transferred, especially those that may not automatically transfer.

Notify your child’s school, have records sent to the new school, and inquire about any specific requirements.

Wrong or incomplete paperwork on pets and vehicles

Why it’s a pitfall:

Moving with pets and vehicles requires additional preparation; neglecting these logistics can lead to problems with transportation and wellbeing.

How to avoid it:

Pet arrangements: Know if there is a quarantine period or temperature-related requirements. Make sure pets are up to date on vaccinations and hand-carry their records.

Vehicle arrangements: Research your new duty station for specific insurance requirements, registration fees, taxes and insurance coverage. Be prepared for potential expenses related to shipping and cleaning vehicles and have the necessary paperwork ready. Find out more at https://www.dfas.mil/CivilianEmployees/Civilian-Permanent-Change-of-Station-PCS/Civilian-PCS-Entitlement-Guide/Privately-Owned-Vehicle-POV-Shipment/.

Vehicle loans and leases may cause issues. Make sure you check out the process and information at https://www.consumerfinance.gov/ask-cfpb/i-am-in-the-military-and-have-an-auto-lease-if-i-am-ordered-to-move-overseas-or-deploy-can-i-cancel-or-terminate-my-auto-lease-without-paying-early-termination-charges-or-a-penalty-en-889/.

Moving as a military family does not have to be overwhelming. It won’t be if you plan ahead and avoid common pitfalls. By starting early, understanding your entitlements, staying organized and communicating clearly, you can reduce stress and ensure a smoother transition.

Prior planning helps you make the most of your PCS move, allowing you to quickly adjust to situations and ensuring you enjoy your new duty station.

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Financial Readiness supervisor offers ways for military families to avoid common PCS pitfalls
(Photo Credit: Eric Pilgrim, Fort Knox News) VIEW ORIGINAL

Editor’s Note: For more information, call Army Community Service at 502-624-5989/8391.

Visit Fort Knox News at www.army.mil/knox for all of Central Kentucky's latest military news and information.

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