Military Life News

Military Life News, Commissary Rewards and Military Discounts

How to Get Through an Emergency While Your Spouse Is Deployed

By

Without fail, if something is going to go wrong it will happen while your spouse is on deployment. It is the Murphy’s Law of the military and many military spouses say you haven’t been through a deployment until something has gone wrong.

How to Get Through an Emergency While Your Spouse Is Deployed

Have you handled an emergency situation while your service member was on deployment?

Here are 6 emergency situations military spouses may face during a deployment and how to get through them.

Natural Disaster

No matter where you are stationed, there is always a possibility of a natural disaster. This could include flooding, hurricanes, tornadoes, earthquakes, mud slides, tsunami and more.

What plans do you have in place in case of a natural disaster while your spouse is on deployment?

Before deployment, create a disaster kit together. This should include 1 gallon of water per person per day for 3 days, a 3-day supply of nonperishable food, a battery powered radio and spare batteries, flashlights, a first aid kit and cellphone chargers.

If you are required to evacuate, having a plan is extremely helpful. Before deployment, make sure your spouse provides an emergency contact list for you. This should have contact information for his or her command as well as the key spouse such as the ombudsman. Know who you should contact first in an emergency. Plan where you will go if you need to evacuate and bring your emergency contact list with you.

Fire and Loss of Home

Losing your home to a fire would be devastating.

One thing on my husband’s to-do list before deployment is to change the smoke detector batteries.

Sit down with your family and determine what you will do in case of a fire. Everyone needs to get out of the house and have a designated meeting area. Choose an area far enough away from the house, such as the mailbox or the street light across the street.

After you’ve ensured everyone is safe and have called emergency services, you will want to contact your spouse’s command. They can notify your husband or wife about the situation and provide support.

Call your family and friends to let them know you are OK and find a place for your family to go. You’ll want to contact your insurance company and have your house evaluated quickly so repairs can be made.

The Navy-Marine Corps Relief Society can help with replacing items lost to the fire as well as with grants or interest-free loans for home repairs.

Gas Leak

I had a gas leak while my husband was on deployment. If your house runs on gas make sure you have carbon monoxide detectors.

If you smell gas or your CO detectors go off, get out of the house immediately. Call 911 and the gas company.

Contact the command to let them know so they can alert your spouse as well. If you or your children feel sick at all, go to the emergency room. Gas poisoning symptoms present like the flu. You may need to find a place to stay that night as well.

Serious Illness or Pregnancy Complication

When a serious illness strikes an immediate family member during deployment, the possibility of going home to help is there. Immediate family includes:

  • father
  • mother
  • sibling
  • spouse
  • spouse’s parents
  • children

If you are having a pregnancy complication that puts your life or the child’s life in danger, you can seek help this way as well. First contact the service member’s command to let them know what is going on and ask about having your spouse sent home.

You can also contact the American Red Cross Hero Care Center either by phone at 1-877-272-7337 or online.

Serious Accident and Hospitalization

If you or your family members are in a serious accident make sure you contact the command to let them know. They will get word to the service member and he or she may be able to come home.

It is important to have a plan in place in case something happens to you. Before your spouse left for deployment, they likely made a will.

  • Do you have a living will?
  • Who will take your children immediately if you are seriously injured in an accident?

Make an appointment or stop by the legal assistance office at your military installation. They can provide a will worksheet for you to fill out to begin the process of creating a will. It answers many common questions people have about wills.

Once you have completed it, a lawyer needs to review it and make it legal. If you have children, in the will you can designate who they go to if you are unable to care for them. Before you designate a person or family, make sure you discuss it with them.

Consider who will take your children immediately if you are sent to the hospital unexpectedly. Ask a local friend if they would be willing to look after your children short term.

Death in the Family

If someone in the service member’s immediate family passes away during deployment, his or her command and the Red Cross may be able to get them home. Discuss with your spouse before deployment what your family wants to do in such a situation.

  • Will the service member be able to or want to come home for the funeral?
  • Who will take your children and how will you get to the service?

Disaster can strike at any time, but for some reason it tends to happen when a loved one is on deployment. Having a plan in place for each of these instances can save you time and grief.

Don’t wait until it’s too late.

Talk with your spouse, family and friends and determine which path you will take if an emergency arises while your spouse is on deployment.

Have you faced an emergency during a deployment? What advice would you give military spouses to help them plan for emergencies and natural disasters?

5 Easy Meals to Make When Your Spouse Is Deployed

By

A reader recently asked for meal planning suggestions for when her service member is gone for deployment. Most of us prepare normal meals while the entire family is home, but once a spouse deploys that goes out the window. It certainly does in my house at least.

My husband likes to eat a full meal made up of a meat, 2 vegetables and a starch. That takes a lot of forethought to make a menu, purchase the groceries and cook.

When my husband deploys, that worry goes out the window and another one enters my mind.

What am I going to feed my 3 year old that does not like to eat? What can I prepare that takes the least amount of time and effort but is still healthy?

I feel like I waste so much food because it is hard to cook for just the two of us. So what’s the solution to eating healthy and not wasting food? It’s meal preparation.

It can be daunting coming up with ideas for meals. The key is to plan ahead so you aren’t staring at the fridge at 5 p.m. wondering what you’re going to make. Ask friends for suggestions, pick up a cookbook or scour Pinterest for recipe ideas.

Here are 5 meals to cook for your children when your spouse is deployed.

Chicken Pot Pie Casserole

Megan Porta from pipanddebby.com has a delicious chicken pot pie casserole recipe for an easy weekday dinner. You can get a head start on it by chopping the carrots and onion the night before and storing them in a Ziplock bag in the fridge.

No need to worry about making the pie crust. You can pick up a refrigerated pie crust at the commissary.

Related: DeCA Dietitian Encourages ‘Thinking Outside the Box’

It only takes a few minutes on the stove before you pop it in the oven. That gives you plenty of time to catch up on how your child’s day.

Once they’ve tasted it, this casserole will become one of your favorite go-to meals.

30-Minute Skillet Lasagna

Who has time to make lasagna from scratch when there are kids running around? Forget all the layering; Samantha at Five Heart Home walks you step by step through a fantastic 30-minute skillet lasagna. Italian meals tend to feed an army, but this recipe feeds only six.

Don’t worry, it freezes and reheats great if there are only a few little ones to feed besides yourself.

Chicken Taco Salad

The Pioneer Woman will have you laughing as you cook up this tasty chicken taco salad. Her humor is fantastic. Follow her recipe for a fun dinner everyone will enjoy.

Yes, it is a salad and while many children don’t go crazy over salad, what child is going to turn down chips with dinner? Prepare the ingredients ahead of time and then let the kids mix their own salad.

Muffin Pan Frittatas

When planning your meals for the week, don’t forget breakfast. I like to sneak vegetables into my son’s breakfast without him knowing. This muffin pan frittata recipe is a winner. While it calls for asparagus and bell peppers, you can change that up with vegetables you prefer. I like zucchini and broccoli.

Pussycat Pizza Recipe

I love this fun cat pizza recipe Jennifer Cheung posted on Kidspot. You can consider yourself worldly after making this one as the recipe is from New Zealand. Note that it says to heat the oven to 220 degrees Celsius, that translates to 425 degrees. Let your kids decorate their own cat face pizzas. They’ll have fun in the kitchen with you and the pizza will be gone before you know it.

These are a few delicious meals to try with your children. Search for other kid-friendly meals in the MilitaryShoppers’ recipe database or pick up a recipe card at the commissary in the produce or meat section.

What meals do you prepare when you are cooking for only yourself and your kids during a deployment? Share your favorite recipes with the MilitaryShoppers’ recipe contest.

Variable Pricing Pilot Program Kicks Off at 10 Commissaries

By

Two big changes will be coming to commissaries around the world thanks to the 2017 National Defense Authorization Act (NDAA).

Currently the Defense Commissary Agency (DeCA) receives $1.3 billion in taxpayer funding annually. That funding covers the costs of operating the commissaries. Patrons are able to purchase goods at cost plus 5 percent. The 5 percent surcharge covers construction, equipment and maintenance to improve facilities.

Now the government wants commissaries to be more self-sufficient and not rely on such a huge amount of taxpayer money.

The 2017 NDAA, signed into law under the Obama administration, allows DeCA to start working on this in 2 ways. The first is introducing variable pricing and the second is creating a store brand or private label products. Variable pricing will be the first phase of this move and will start in 10 commissaries.

What is variable pricing?

Instead of the prices of goods at commissaries simply being the cost DeCA gets items at, prices now will be determined through multiple factors. This includes the cost of obtaining the item and the market price to name a few.

Commercial grocery stores use this same strategy to determine their product price points. Prices will shift with the market, but overall savings at the commissary will remain the same.

Under the new pricing model, the prices of products sold in commissaries will be based on a specific percent of savings that the same item would be sold for in commercial grocery stores in that particular region. That means that prices will no longer be uniform across commissaries and will instead vary by region and country

Don’t panic. That does not mean prices are about to skyrocket.

Each region has a specific saving percentage required under DeCA’s regional savings index. Overall, commissaries in the United States will have a 20.2% savings over commercial grocery stores. Prices vary even more overseas, so the total savings globally is set at 23.7%.

Depending on where you live, the cost of living can be higher or lower. To keep shoppers happy and enjoying the commissary benefit, different regions will see different prices, but all patrons will see a savings overall.

There are 36 commissaries in the New England area that will see a savings of 21.4% over commercial grocery stores. The 30 commissaries in the South Atlantic area will save 19.9% while the 33 commissaries in the South Central area will save 18.1%. The South Pacific area is slated for a 20.9% savings and the Mountain region will have a 17.6% savings. The North Central area only has 18 commissaries but they will all have a 20.2% savings while the 9 commissaries in Alaska and Hawaii will see 32.6% savings. Commissaries abroad will have a fantastic 44.2% savings over commercial grocery stores.

How did DeCA come up with these percentage savings?

Each market was evaluated independently and the prices were compared to commercial grocery stores in each area. Local and state food tax was taken into consideration as well as the 5 percent commissary surcharge.

The cost of living index was used to determine prices abroad. Each month all of this data will be recalculated to ensure prices stay on schedule with the appropriate savings over local grocery stores. As many as 1,400 items at each commissary will be compared to commercial grocery stores each month to ensure accuracy.

The list of the first 10 commissaries to use variable pricing has not been released as of publishing time. If we didn’t tell you variable pricing was coming, would you notice the difference?

Next time you shop at the commissary have a look around at prices and see if you notice a difference. Perhaps your commissary will be one of the first 10 to try out variable pricing.

What are your concerns about variable pricing at commissaries?

Military Exchange Online Shopping Opens to Veterans

By

Nearly 20 million honorably discharged U.S. veterans will soon have the opportunity to shop online through the Army and Air Force Exchange service. This change in policy comes after years of pressure to open shopping to all those honorably discharged men and women.

As of Veterans Day, November 11, 2017, all honorably discharged U.S. veterans will be able to shop the exchange online.

This new privilege will only extend to online shopping however, not shopping in the physical exchange. Through the website, veterans will be able to purchase any items except for uniforms, alcohol and tobacco products.

The exchange estimates that this could bring in between $226 million and $1.13 billion in annual sales. An increase in sales also means an increase in funds for MWR programs.

Morale, Welfare and Recreation (MWR) receives the majority of its funding from exchange dividends. The more sales the exchange has, the more programs MWR can offer. MWR programs are in place to support the “readiness and resilience for Soldiers and Families.” Programs include child and youth services, libraries, entertainment, sports and fitness, automotive skills, crafts and more.

Recently, exchange dividends have been low and MWR has not had the funds to support their usual programs. The Army has had to use some of this money to improve its daycare centers since budgets have been cut so much. The low sales have been due to the decline in the active duty force and base closures as well as the ending of tobacco product discounts and smaller profits from cheaper gas being sold. Opening online sales to all honorably discharged veterans is expected to quickly solve this problem.

Veterans will enjoy saving on average 20 percent over commercial stores while those families with base access will be enjoying better MWR programs. It’s a win-win situation for all.

This has been a two-year effort to open online shopping up to honorably discharged veterans. In the fall of 2016 the Defense Department’s Executive Resale Board voted unanimously to open online shopping to veterans and the Deputy Defense Secretary approved it.

AAFES has been preparing for the expansion of shoppers by improving the website, call centers and warehouse and distribution systems. They are working with the Department of Veterans Affairs and Defense Manpower Data Center to determine a way to verify that exchange shoppers are in fact honorably discharged veterans.

Shopping will only be available to veterans online and only for the exchange.

There are currently no plans to open shopping at the commissary up to honorably discharged veterans. This is because the commissary is run differently than AAFES. The Defense Commissary Agency receives a $1.4 billion operational subsidy annually that is funded by taxpayers. An increase in shoppers at the commissary would result in a higher cost for taxpayers in accordance to the current system. DECA therefore, is not considering adding veterans to the list of eligible shoppers.

Honorably discharged veterans however are excited to able to shop at the exchange online, even if they can’t also shop at the commissary. The Army and Air Force Exchange service has received outstanding support for this program and is anticipating a huge turnout of veteran online shoppers on Veterans Day.

You can keep up with announcements as the date for launch of this program approaches and learn how you can establish your identity as an honorably discharged veteran through their website.

What do you think of this policy change for the military exchange shopping privilege for veterans? Are you a veteran that will be shopping online this Veterans Day?

8 Financial Stressors Military Couples Face and How to Overcome Them

By

There are many things that set military couples apart from civilians, but financial stressors we all share. Sure military families have different financial stressors than civilian families, but they are there nonetheless.

Here are 8 financial stressors military families face and how to overcome them.

8 Financial Stressors Military Couples Face and How to Overcome Them

Not Agreeing on How to Handle Finances

Most couples are made up of one spender and one saver. This can be great as the saver can keep the spender in check and the spender can get the saver to live a little. When a couple can’t decide together how best to handle money, financial stressors occur.

To overcome this, sit down and talk to each other. Set aside time when children are not around and there are no interruptions so that you can have a serious financial discussion. Don’t leave the table until a decision has been made.

Not Communicating

Communication is key in a healthy relationship. If you are not being honest with yourself or your spouse about spending, more financial stressors will occur.

Do you hide shopping bags in your car until your spouse isn’t home so they don’t see how much shopping you’ve done?

Ask yourself why you feel the need to do so. Did you spend more than you should of? Are you worried they will be upset with you for this?

Not Creating a Budget

Forget financial stressors, money-conscious couples that set budgets have less stress. Knowing how much money is coming in and going out will bring relief.

Knowing that you have enough money to pay all the bills by allocating money each month will set fears aside. As a couple, decide how much money you want to save and how much you’re comfortable spending each month.

Putting Off Saving for Retirement

When you’re young and facing bills, saving for retirement might be the last thing on your mind. Savvy savers know that saving now for retirement can alleviate financial stressors. You can contact a financial planner, attend a saving for retirement seminar or do your own research.

The sooner you start saving for retirement, the better off you’ll be when the time comes.

Not Having an Emergency Savings

It is recommended to have an emergency fund with the greater of either 2 weeks’ worth of pay or $1,000. You can use an emergency fund calculator to determine the right amount that your family should save. When an unexpected event occurs that brings in a large bill, financial stressors arise. Help lower the stress by having a plan already in place.

Taking on More Debt Than You Can Handle

You and your spouse need to be realistic on what you can afford. Keeping up with the Joneses is what gets military families into trouble.

If you can’t afford it, don’t buy it.

Just because your neighbor has a new car or put in a pool does not mean that you need to do the same thing.

How many financial stressors do you need in your life?

Is trying to keep up with the social status of your neighbors or friends worth the burden?

Be realistic with your wallet. If you can’t afford the payments on a new car, maybe you don’t need such an expensive one.

Struggling with Finances on Your Own During a Deployment

When your spouse is deployed and you are unable to communicate immediately or even frequently, financial decisions are often made on your own.

It can be extremely frustrating when financial stressors arise during a deployment. You don’t have your significant other to help you make a decision and are forced to deal with it on your own.

Setting time aside before your spouse deploys to discuss what to do in this instance can help significantly.

Not Expecting a Baby to Change Your Finances Dramatically

If you don’t have children yet, you might not understand this but it is true. Children are expensive. The more you have, the more it will cost you. Having a child unexpectedly can create financial stressors if you aren’t prepared. Not everyone gets the opportunity to plan ahead for a growing family, but if you are able to plan financially for your little one, life will be a little easier.

Which of these financial stressors is your military family facing? How are you planning to overcome them?

How the Resident Energy Conservation Program Is Hitting Military Families Hard

By

The Resident Energy Conservation Program (RECP) was created to make residents of military housing more aware of their energy use and to therefore reduce consumption. The goal is to lower energy use for environmental reasons and to save the government money.

So far the government is the only one seeing any savings as hundreds of military families find huge bills in their mailbox for energy they say was not justly charged or actually used.

The pilot for the Resident Energy Conservation Program took place in Hawaii between 2011 and 2012. In that initial test phase, the government saw a 9% reduction in use, which ultimately saved them $1.3 million according to Commander, Navy Installations Command. The reality for military families however was quite the opposite.

Compiled complaints show that military families consistently were charged $200 to $600 a month in electricity bills for over use. Many people claim that they did not use the equivalent amount of energy to justify such steep bills. Military housing says the bills are correct and have not done much to sway these families from feeling unjustly charged.

The pilot for the Resident Energy Conservation Program was considered by the government to be a success and over the last few years has been rolled out to all Marine Corps and Navy housing. It isn’t a bad program. In an effort to persuade residents to conserve energy, the program includes a reward element. The government’s research showed that when families embraced the Resident Energy Conservation Program that consumption fell 20%. To motivate families to achieve this, the Resident Energy Conservation Program was equipped with a credit or reimbursement for families that saved energy.

How does the Resident Energy Conservation Program determine use?

Basic Allowance for Housing (BAH) is meant to cover the normal use of electricity or gas and water and sewer as compared to families with similar homes out in town.

To determine average use on base, the Resident Energy Conservation Program uses Like-Type Groups (LTGs). These are homes in the same neighborhood that are in the same condition and age. These could include homes with similar square footage and number of bedrooms as well as the type of home and the type of energy, gas versus electricity.

It does not account for the number of people in a household just as BAH is not adjusted for the number of family members. From this, a monthly Normal Usage Band is created.

The Normal Usage Band gives a leeway of 10% over and under, providing room for consumption. For residents that use 10% less than the norm, they are given a credit or rebate. Military families that go over the 10% rate are charged for the overage.

This makes the Resident Energy Conservation Program sound fair, but residents are receiving bills far beyond what they consider reasonable. When military families question the housing office, they say that is what was used and that is what is owed.

A number of military families have been able to have their meters tested for accuracy however. Some have found their meter was actually connected to a street light or a neighbor’s home. Military housing originally was not designed with individual homes running on meters. Specialists had to go in and set up meters. In some instances, those individuals merely guessed which lines went to which houses.

What can you do if you think your utility bill is wrong?

If you are living in military housing and believe your bill is not accurate contact the resident services manager or housing office. You can request a home evaluation to make sure all appliances are using energy efficiently as well. The manager can sit down with your family and help you understand ways to conserve energy. In the meantime, you still have to pay your bill. If you do not, you may find an eviction letter in your mailbox next.

There are waivers available for wounded warriors and families registered with the Exceptional Family Member Program (EFMP). If your family uses excess electricity due to medical reasons, you can request a waiver from the Resident Energy Conservation Program. You can submit a request through the EFMP office or through the Wounded Warrior Bn.

If you are still unsatisfied, you can reach out to your chain of command. NCIS is conducting its own investigation in some areas so you can also contact them. Lastly, you can submit a claim to the Inspector General.

Do you think that military families are being scammed by the Resident Energy Conservation Program? What problems have you had with your bill when you lived in on-base housing?

How a New State Residency Bill Benefits Military Spouses

By

Military spouses may soon find filing taxes a little less confusing if H.R. 5428, the Military Residency Choice Act, is signed into law. The bill aims to make establishing and maintaining state residency much easier. Currently, the law can be very confusing and many families may be filing their taxes incorrectly without knowing it.

Under the Service Members Civil Relief Act, military service members can keep their residency in one state no matter where the military sends them. For the purposes of filing taxes, that means that if a service member enlisted in the Navy in Alabama and is currently stationed in Virginia they only pay income tax to Alabama, not Virginia.

It isn’t that simple for military spouses however. Prior to 2009, military spouses had to change their residency every time they moved to a different state with their service member. This made filing taxes and voting difficult. It prevented many military spouses from finding employment after each move.

In 2009, the Military Spouse Residency Relief Act (MSRRA) made maintaining residency in one state possible for military spouses. A military spouse simply had to establish residency in one state and was then able to keep that no matter what state the military sent them to next. The MSRRA does not allow military spouses to claim the residency of their service member however unless that was their state of residency when they were married. It also does not allow military spouses to randomly decide which state they will claim residency in.

Under the proposed Military Residency Choice Act military spouses will be able to use the same state of residence as their service member even if they have not lived in that state.

They will also be able to vote through absentee ballot for that state as well. This does not let military spouses keep their driver’s license from that state though; that is a state by state case.

H.R. 5428 specifically states:

The  spouse  of  a  service member may  elect  to  use  the  same  residence  for  purposes  of  taxation as the service member regardless of the date on which the  marriage  of  the  spouse  and  the  service member  occurred.

This bill is only in the early stages of the process of becoming law. It was introduced in the House of Representatives and referred to the House Committee on Veterans’ Affairs. If it does pass, it will go into effect 90 days after the enactment. That doesn’t help military spouses for this tax season, but perhaps by next year it will have passed.

In the meantime, ask yourself what the most beneficial option will be for your family.

Is your spouse’s state of residency one with harsher tax laws? Is it worth it to change your residency?

Seven states do not have personal income tax including: Alaska, Florida, Nevada, South Dakota, Texas, Washington and Wyoming. New Hampshire and Tennessee also do not have income tax, but they do have tax interest and dividends.

If you earn an income and your current residency is in Florida and your military service member maintains Alabama as their residence, it could be beneficial to maintain a Florida residency where there is no income tax. While the MSRRA and the proposed Military Residency Choice Act are intended to make taxes easier for military spouses, it may be wise to consult a tax specialist if you have questions.

Remember, you cannot choose a random state to be your state of residency. You must establish residence by living in that state and maintaining sufficient contacts in that state. That can include owning property in the state, holding professional licenses in that state and voting there as well.

What do you think of the proposed Military Residency Choice Act?

Should BAH Be Excluded from Food Stamp Eligibility?

By

In 2015, more than $80 million in food stamp benefits were spent at military commissaries. That is an astonishing figure and that amount does not cover every family that needs financial help to feed their family. There are many more military families that would benefit from food stamps, now known as SNAP, the Supplemental Nutrition Assistance Program.

Congresswoman Susan Davis, the Ranking Member of the Military Personnel Subcommittee, introduced the Military Hunger Prevention Act. Its purpose is to exempt the military’s Basic Allowance for Housing (BAH) in the determination of a military family’s eligibility for particular federal benefits. This bill is specifically aimed at making it easier for military families to qualify for SNAP.

While BAH varies based on region, pay grade and dependency, in many cases it still is not enough to cover housing. This leaves families using other components of their pay to cover rent or mortgage that would otherwise go to food. Because of this, many military families are forced to use emergency food relief. Investigators at Camp Pendleton reported last year that 400 to 500 military families used one of the food pantries on base. That is just the statistic of one of the 4 food pantries on Camp Pendleton.

Rep. Davis introduced this bill after learning that numerous families in the San Diego area, specifically Camp Pendleton, were unable to meet the basic need to feed their families.

By removing BAH from the annual income of military families, more will qualify for food stamps. This shift may provide relief to the overwhelmed food banks.

The bill has been introduced and referred to the Committee on Armed Services as well as the Committee on Agriculture for further review.

In the meantime, military families will continue to stand in line at 7 a.m. to receive meals from food pantries on base as well as off base. To beat the stigma of getting help, a program was introduced in schools where children receive a backpack of food to help them get through the weekend when free breakfast and free lunch are not available. Sadly, nearly a quarter of the children in on-base schools receive free meals. This means thousands of children potentially do not have access to food at home, particularly over the weekend when free meals are not available.

While receiving SNAP benefits might sound like the answer to this problem, it isn’t a lot of money.

States vary on the amount of money that is allocated per person based on certain criteria. In 2015, California’s program paid on average $1.58 per person per meal a day. Last year Alabama paid on average $1.40 per meal per day.

Imagine how much you spend on your meals. Would this amount cover it?

In 2013 a Census Bureau study showed that about 2% of active duty families used SNAP. That is roughly 23,000 military families.

Six percent of those that responded to the Blue Star Families Military Family Lifestyle Survey said they had to use emergency food relief last year. Military families are struggling to feed their families.

The Department of Defense tried a program in 2001 known as the Family Subsistence Supplemental Allowance (FSSA) to help military families. This program was meant to provide up to a $1,100 a month supplement to put service members over the requirement for SNAP. The program was terminated in September 2016 because not enough families qualified for it.

If the Military Hunger Prevention Act passes, will being able to qualify for SNAP be the answer to thousands of military families’ hunger problem or is there a better solution for those facing food insecurity?

What do you think of this proposal to exclude BAH from food stamp eligibility?

15 Military Coupon Mistakes That Smart Military Spouses Make

By

Shopping at the commissary is a great way to save money and having military coupons make it even better. Are you a savvy shopper that clips military coupons before heading to the commissary? Even the best couponers make mistakes.

Here are 15 military coupon mistakes that smart military spouses make and how to avoid them.

Not Having a Commissary Rewards Card

The Commissary Rewards Card should be your first stop when looking for military coupons. You can digitally clip military coupons and add them to your Commissary Rewards Card. If you don’t have one, you can pick one up at any commissary.

Forgetting to Register at MilitaryShoppers.com

MilitaryShoppers has printable military coupons and the commissary flyer.  Sign up for emails and get commissary deals, product highlights and more.

Not Scheduling Adequate Time to Shop

When you’re in a hurry, you don’t pay attention to detail. Make sure you plan your trip to the commissary with enough time to shop. Eat before you go so you aren’t tempted to put things in your shopping cart that you don’t have military coupons for.

Not Picking Up the Military Coupon Flyers at Your Commissary

There are military coupon flyers at the commissary. Don’t skip those thinking you have all the military coupons you need. There might be a better military coupon inside the flyer.

Ignoring Military Coupons on the Shelves

Often there are military coupons on the shelf. Compare them to the ones you have and see which one is the better deal.

Not Knowing When New Military Coupons Are Available

If you only look for coupons in the Sunday paper, you are missing out on great savings. The Commissary Rewards Card site has new coupons almost daily. As soon as manufacturers provided them, they are live on the site. Many other sites like coupon.com post new coupons daily.

Couponing on Your Own

Learning from others will help you expand your savings. Contact your local Fleet and Family Center to see if there is a coupon exchange program. It’s also a great way to get to know other military spouses.

Buying the Item Even if It Doesn’t Scan at the Discounted Price

Sometimes coupons don’t scan. Don’t settle and buy a product if you aren’t able to get the discount. Ask the clerk to scan the military coupon again or to type in the discount. If that doesn’t work, ask to speak to a manager.

Buying Something You Don’t Need Just Because You Have a Coupon

Just because there is a military coupon for an item does not mean that you should buy it if you aren’t going to use the product. Pay attention to what you are buying and don’t stray from your grocery list just because there is a coupon.

Failing to Stock Up on Items Your Family Uses

If there is a product, such as toilet paper, that your family uses often consider stocking up when there are good military coupons for it. You will save money over time if you purchase bigger quantities.

Having a Disorganized Coupon Folder

Everyone has their own way of sorting military coupons. Organize your folder the way that works best for you. Is it grouping coupons in the order that you will find items in the commissary or putting all the soon-to-expire coupons up front?

Not Taking All Your Coupons in the Store with You

Don’t just take the coupons that you are going to use into the commissary. Perhaps you will find an item that your family uses on sale. Add a coupon to that and it’s a great day to stock up.

Not Knowing the Commissary’s Coupon Policies

It’s important to know store coupon policies. The commissary, for example, does not double coupons. If you print a coupon and have a digital one for the same item on your Commissary Rewards Card, you cannot use both. The commissary also does not take expired coupons stateside, but will take them up to 6 months expired overseas.

Not Reading the Fine Print on Coupons

Always read the fine print on coupons. Some have a specific size the coupon is good for while others are for multiple items. Make sure you buy all items required and place them together on the conveyor belt.

Failing to Watch the Monitor as Items and Coupons Are Scanned

Our final tip is to make sure you pay attention as your items are scanned. You’ve done all the work to find coupons; make sure you get the discount. If the coupon scans incorrectly, point it out to the cashier. If you have a problem, ask to speak to a manager. It’s your money; make sure you get the most from it.

Want military coupons, discounts and savings delivered to your inbox? Sign up for MilitaryShoppers email newsletter today.

16 Military Discounts for Fitness Enthusiasts

By

Military discounts are abundant at restaurants and retail stores, but when it comes to fitness products and gyms, they are scarce.

Service members and their families are some of the most active individuals and make up a huge shopping network, yet the discounts aren’t there. We’ve done the research and put together this list to help you find gyms and fitness products that offer a military discount.

16 Military Discounts for Fitness Enthusiasts

Rogue Fitness: Rogue Fitness is a popular site to purchase fitness equipment. They have everything from CrossFit gear to dumb bells to apparel. Their staff includes many current and former service members and their spouses. They ship to APO/FPO addresses.

The Exchange: You don’t need to search for a military discount, just shop at your local Exchange for great savings. Remember that they price match so visit customer service if you find a better deal on the same product they sell.

Gold’s Gym: Gold’s Gym offers a great military discount on enrollment plus 20% off dues.

YMCA: The Y has a program where some locations provide free membership for military spouses while their service member is deployed. Some of those locations also offer respite care.

24 Hour Fitness: G.I. Jobs magazine ranked 24 Hour Fitness as a top military friendly employer. They employ many military spouses as well. They offer a military discount on membership and will freeze your account for you if you receive orders that would place you more than 25 miles away from one of their fitness centers.

ACE: Ready to take your fitness to the next level? ACE offers personal trainer and group fitness instructor certifications.

IHRSA: IHRSA created the Joining Forces Network. This brings gyms across America together to provide free memberships to families of deployed Reservists and National Guard members.

Christian Fitness Factory: A 10% military discount is always available to active and retired military on fitness equipment.

Go Ruck: Founded by former Special Ops soldiers, this company creates and sells tactical fitness gear. They offer a 25% military discount.

Foot Locker: Foot Locker offers a 20% military discount with military ID.

Champs Sports: Champs gives military members a 20% military discount with a military ID.

Nike: Nike offers a 10% military discount on Nike.com as well as at Nike, Converse and Hurley stores.

Finish Line: Finish Line has a 20% military discount.

Again Faster Equipment: They have a 7% military discount on fitness equipment.

Under Armour: Under Armour offers a 10% discount to active duty and veterans on their website and in all Under Armour stores. Online purchases are verified through  ID.ME.

Military Cyclist: Military Cyclist offers special pricing for military families. Why look for a new bike shop every time you PCS, when you can get a military discount online? Military Cyclist is owned by a military family and was designed specifically for service members and their families.

These are a few great military discounts available on fitness equipment, gear and gym memberships. Don’t forget about the fitness center at your military installation while searching for the right gym. Most bases have a gym where family members can work out for free. Sign up for a class and give it a try before paying for a gym membership.

Have you ever thought about making a career out of your love for fitness? Having a portable career as a military spouse is important. Many spouses earn fitness certifications and personal trainer certifications that allow them to find jobs anywhere a PCS move might take them. There are programs to earn these certifications where the cost is covered by MYCAA for spouses. If you are interested in taking your fitness enthusiasm to the next level, visit the gym at your local base. Many staff members are military spouses. You can talk to them about certification and job potential.

Are you a fitness enthusiast? Which of these military discounts have you used in the past? Which ones surprised you?