Trans World Assurance Blog

How to Save Money During Your Spouse's Remote Military Tour

Posted on Wed, Feb 29, 2012
Remote military tours can take a toll on the family unit, as active duty personnel prepare to spend 12 months apart from their families. If your spouse is about to leave for their remote military tour, you can save extra money during their absence by taking advantage of the monetary benefits you receive. 



Family Separation Allowance (FSA)



Family Separation Allowance (FSA) is payable to active duty personnel with dependents who serve an unaccompanied tour at a rate of $250 per month, provided they meet certain criteria. Family Separation Allowance starts to accrue the day before departure and ends the day before they are due to return home to their home station. Family Separation Allowance is paid in addition to any per diem benefits being paid, as long as conditions are met.



If you are frugal, you can bank $3000 of Family Separation Allowance over the 12 month remote tour, which can help to pay down debt. Even if you are married to another servicemember, you might still be entitled to receive Family Separation Allowance (for one, rather than both members) if you can prove that you were living together for 30 days prior to the start of the remote military tour. Once servicemembers have completed DD Form 1561 (Statement to Substantiate Payment of Family Separation Allowance) and it has been approved, they will begin to receive Family Separation Allowance. 



BAH (Basic Allowance for Housing)



Dependents that continue to live in government housing on the military installation during their spouse's remote military tour are not entitled to claim BAH. However, if you and your dependent children move out of government housing, you will be entitled to claim BAH to help cover the cost of the rent or mortgage payments. 



The amount of BAH that you receive will be based according on rank and location. If you budget your BAH well and choose to live in modest accommodation below your means, you can save the difference you receive each month from your BAH.

Not all active duty personnel head off for a remote military tour during their career, but many do. If your spouse is about to depart on a remote tour, take advantage of the financial benefits to be had by saving your Family Separation Allowance as well as the difference left from your BAH after you have paid your monthly housing costs.

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Written by,
Sophie S

Sophie S is a freelance writer from the UK residing in California. She holds a BA (Hons) in English with Sociology. She works as a freelance writer, specializing in web content on immigration, expatriate life, cat care and much more. Sophie has had over 3,500 articles published on the Yahoo! Contributor Network, other sites and for private clients.

Tags: personal finance, money saving tips, military pay, military spouses, military spouse, deployment