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How I Feel About Service Member-Only Military Discounts

06/15/2018 By Michelle Volkmann

by Amanda Marksmeier, Guest Contributor

“Sorry, we only offer discounts to service members.”

As military spouses we have all heard this statement.

I find it ironic. My husband and I are partners in life, we share everything including a bank account. The money I use when making a purchase is as much his as it is mine.

Furthermore, the reason he is not with me is because he is either deployed, in the field or gone for training.

I don’t believe we as members of the military community are entitled to military discounts, but it is nice when a business offers a military discount to military spouses.

When the United States was engaged in two wars with the scars of 9/11 still seeping and American pride swelled within us, military discounts were a way to honor service members and their families. As the wars drag on and disappear from national headlines, the military community fades from the forefront of the minds of American civilians.

Unless you have a personal connection to the military you are unaware of the challenges and sacrifices of military families. So, allow me to share a few numbers with you.

The military spouse unemployment rate is estimated at 16%; the national unemployment rate is 3.9%. Sixteen percent doesn’t sound like a lot, but it equates to 104,000 out of work military spouses. This number does not reflect spouses who gave up their job search or are underemployed.

The average income for a service member is between $40,00 and $52,000 annually. The U.S. average annual household income is approximately $73,000. For those doing the math that is a difference of $21,000!

But military families don’t pay for housing or health insurance, right?! No, as a matter of fact we pay for both necessities. While military families can live in base housing it is not free.

Service members receive a housing stipend or basic housing allowance (which is included in the $52,000) but for families that choose base housing this money is recouped by the housing offices to cover living expenses.

Military members pay health insurance premiums just like everyone else. Granted our premiums are much lower than other insurance premiums but we pay them nonetheless.

Here are some more numbers to consider.

The average military family will move six to nine times. The government pays for the move, right? Yes and no. The government approves and pays to move our household goods up to a certain weight which is based on the service member’s rank, not how many dependents are in the household. They will also cover travel expenses such as gas, hotel stays and meals depending on the distance traveled.

What they don’t cover is the cost to ship a vehicle because your newly licensed teen is not experienced enough to drive across the country.

Another expense that is not covered is the three weeks of hotel fees because base housing is unavailable when you arrive on post.

A huge out-of-pocket expense for moving military families is food. For families living in a hotel or an empty home awaiting household goods, their only option is to eat out.

I know what you are thinking, no cooking or dirty dishes, sign me up. I am here to tell you, besides the cost, which can easily average $100 or more a day for a family of four, eating out gets old quickly.

My goal in sharing this is not to gain sympathy or “poor mouth” but simply to provide information by the numbers.

Many military families struggle financially, so a military discount not only helps their bottom line but boosts morale and gives a feeling of appreciation.

I have been a military spouse for almost 13 years and I am grateful for every moment of it. Military life has taken me many places and introduced me to amazing people. It is a life I chose but that doesn’t mean it is easy or cheap.

Our family has lived in six homes. My husband has been deployed for more than 60 months and has been away for far too many field exercises and trainings to count.

When I am offered a military discount on my purchase it makes me feel like someone is acknowledging and appreciating the commitment I made to my husband.

What are your thoughts on service member-only military discounts?

Amanda Marksmeier is an Army wife and mother of four. She works as an employment specialist assisting the military community in achieving their career goals. Amanda is also a contributing writer for a quarterly employment journal and has written for several military affiliated blogs.

What You’re Missing When You Don’t Use Your Commissary Rewards Card

04/11/2018 By Kimber Green

Do you have a commissary rewards card?

I do and I completely forgot to use mine this week when I went grocery shopping at my commissary.

At the checkout, the cashier asked if I had a commissary rewards card. When I told her I forgot about it she said that’s unfortunate because some of the things I bought had coupons on it. Well at that point I really felt like I had missed out.

I went home and put my groceries away. Then I logged onto the commissary rewards card site to see which coupons I missed. Sure enough, Charmin, Bounty, Swiffer and Tide were all on it and worst of all, I missed out on a $4 off coupon for Zyrtec.

I don’t want that to happen again so I downloaded the commissary rewards card app right away. If I had that app on my phone already, I could have clicked those coupons right there in my commissary and saved money instantly. That’s money I could have spent on coffee on the way home. Lesson learned.

I use to be really good about clipping coupons. I would make my grocery list for the week and see what coupons matched up with what was on the grocery list. I also use to Google coupons for bigger items and print them to take with  me.

That was before I had kids and had the time to do it.

One day I discovered the commissary rewards card and that card made saving money quicker and easier. With the commissary rewards card you don’t have to clip coupons or print them. You simply tap the coupons you want and they are added to your card. At the checkout you just hand your commissary rewards card over to the cashier and they swipe it. Easy savings.

The commissary rewards card app makes it even more convenient. When I use the commissary rewards card, I always log on with my laptop. Now that I have the app, I can do it anytime and anywhere as my phone is pretty much always with me.

I don’t purchase the newspaper to clip coupons anymore, but I do see coupons pop up when I’m on my laptop from time to time. I also get them in my email occasionally. It’s great that I can still use those along with the commissary rewards card. You can’t use double manufacturer’s coupons at the commissary, but you can save money by using other coupons you find with the coupons you get through the commissary rewards card.

If you don’t have a commissary rewards card, it’s simple to get one. Just ask the cashier at the checkout and he or she will give you one for free. It’s easy to register it and get started using it right away as well.

Pro-tip: Walk up to a cashier at the beginning of your shopping trip to get one. You can register it while you shop and quickly look through the coupons to see what matches up with the items on your grocery list.

You don’t have to go through every item if you don’t want to. You can search by category or by specific product. If you go ahead and do this, you can save money right away.

Do you have a commissary rewards card? Are you saving money each shopping trip or are you missing out? There are great savings opportunities with the commissary rewards card and it is quick and easy to use it.

If you don’t have one, I recommend that you pick one up on your next stop to the commissary.

Want more information about the commissary rewards card? Read this article by clicking here.

7 Military-Themed Easter Baskets for Your Military Family

03/07/2018 By Kimber Green

Easter is less than a month away, which means it’s time to start thinking about the type of Easter baskets you’ll be making for your family members this year.

I love that this year Easter is on April 1, April Fools’ Day, so you can really have a lot of fun with your Easter baskets.

If you’d like to have military-themed Easter basket, here are 7 creative ideas to inspire you.

Oh the Places Your Military Family Will Go

Dr. Seuss’s birthday was on March 2 and I enjoyed all the fun activities that went with it during National Reading Week. When thinking about fun military-themed Easter baskets, my mind wandered back to Dr. Seuss and one book in particular, “Oh the Places You’ll Go!” Military families are always off to great places. This would be such a great theme for your Easter baskets.

You don’t have to use Dr. Seuss of course, but the idea of making a basket with places your family has been or where you are going next would be fun.

If your family recently moved or will be PCSing this summer, an “Oh The Places You’ll Go” Easter basket would be a great way to mark that occasion.

Army Camouflage

At some point most kids want to play soldier, and if their parent is in the Army it’s even more likely.

Both of my parents were in the Army. I remember my brother dressing up as a soldier and playing with little green plastic army men. That seems to be a timeless kid thing to do.

The Dollar Tree has made it easy to fill Easter baskets with an Army theme without spending much money. They have the little plastic army men, soldier hats, coloring books, camouflage tape and more.

If you don’t want to curate one yourself, Walmart and Amazon both have Army-themed Easter baskets you can purchase.

Anchors Away

I love anchors on almost anything. Anchor-themed Easter baskets would be cute for a baby, fun for a teenager or even great for an adult. You’ll find anchors on anything from clothes, jewelry and craft items to games and more.

You can buy anchor-shaped candy or buy an anchor chocolate mold and make your own chocolates.

Take Flight

A plane-themed Easter basket would be a great way to tell your family that they are going to see a military air show this year.

The Thunderbirds, the Air Force Demonstration Squadron, and the Navy’s Blue Angels put on wonderful shows. Check their performance schedule to see if an air show is coming to your military base.

If you are an Air Force family or your children love planes, aircraft-themed Easter baskets would be fun.

Made in America

There are so many things made in America now and military families take great pride in purchasing locally-made or veteran-made items. Made in America-themed Easter baskets would not only be fun, but would also support small businesses.

Hero

Who needs a super hero when you have mom and dad? My son didn’t know what a super hero was when he was 2 or 3 and someone asked. He simply said my daddy. Heroes come in all forms. I liked my son’s answer and I love a book we have, “Daddy is My Hero.”

It may be daddy who is the hero in your family or it may be mommy, but it’s probably both.

Hero Easter baskets could include a book about heroes, a Daddy Doll, photos of family members and more.

Easter Package for the Deployed

Making Easter baskets for deployed service members can be a lot of fun. You can decorate the inside of the box and include family-inspired items such as pictures, keepsakes, letters from family members, items for places you’ve been or that you want to go to when he or she returns.

There are so many possibilities for military-themed Easter baskets. Have you made one before or are you planning on making one this year?

For more Easter basket ideas, read “8 Alternatives to Putting Candy in Your Kid’s Easter Basket.”

Military Discounts for Hitting the Slopes

02/07/2018 By Veronica Jorden

You know, it wasn’t all that long ago that backyard barbecues, cold beer, and hours of gloriously warm sunshine were the order of the day. While I know those days will be upon us soon enough, I suppose the only thing we can do while we wait, is enjoy all the splendor that winter has to offer.

Military Discounts When You Are Skiing

Do you enjoy skiing or snowboarding? Don’t forget to ask for a military discount when buying your lift ticket or renting equipment.

US News and World Report recently put out their list of the top 10 places to hit the slopes. Most of the snow-covered destinations on the list come as no surprise to avid and beginner skiers alike.

But what you may not know is almost all of them are home to amazing resorts that offer military discounts!

Whether you like the exhilaration of a black diamond downhill run, the challenge of a cross-country trek, or a mug of hot chocolate by the fire, you can get your winter on and save a little money with these military discounts.

Military Discounts for Hitting the Slopes

Breckenridge, CO

Located a little over an hour outside of Denver, Breckenridge offers a quaint small town, nearly 200 ski trails and thousands of acres of skiing paradise.

Breckenridge Ski Resort offers a fantastic 30% military discount on daily lift tickets. The discount is offered to active duty personnel and their dependents. Lift tickets cannot be purchased in advance or online. You should be prepared to show your military ID card when you purchase your lift ticket at the ski resort. Get all the details, including current slope conditions by visiting them online.

Park City, UT

A quick drive from Salt Lake City, Park City is home to the Sundance Film Festival and some of the best skiing and snowboarding in the country.

Park City offers military discounts on daily lift tickets to active duty service members, their dependents, and retirees and their dependents.

This is one of the few ski resorts to offer a military discount to retirees.

Save even more by purchasing your lift tickets through ITT at Hall Air Force Base. Military-discounted lift ticket prices are $98 for adults and $61 for children.

Lake Tahoe, CA

Situated on the California/Nevada border, this all-season vacation jewel offers stellar slope action and an outstanding array of restaurants, shopping, and bustling night life options.

Black Diamond, located in Incline Village, offers great options for all ski levels at a great discount. For active duty personnel, lift tickets midweek and during non-peak weeks are free, and just $64 otherwise. Military dependents and retirees are offered the $64 rate at all times.

Steamboat Springs, CO

Nestled in Colorado’s Yampa Valley, Steamboat Springs is nicknamed Ski Town, USA, and is as famous for its hot springs as it is for its skiing.

It has some of the best military discounts around! They generously offer a standing 20% discount for all military personnel on daily lift tickets, ski and snowboard lessons and rentals, plus a special rate on a 3-day pass. Find out more about these great discounts here.

Aspen, CO

Snowmass offers 4 mountains to choose from, and since the first park was opened in 1946, it has had a special relationship with active duty veterans and retirees. They offer an amazing season pass rate, plus special events and programs for disabled veterans. Get the details here.

Telluride, CO

Colorado has no shortage of great skiing, but Telluride has a character all its own. With dramatic drops and an average of 300 inches of snow each year, it’s the perfect place to explore a Rocky Mountain slope or two.

Plus, you can score an awesome multi-day rate. At just $75 for the first day and a 30% discount on additional days, Telluride offers fantastic skiing at a fabulous price.

Did we miss any ski resorts that offer a military discount? Please tell us in the comments section so that we can add them to this comprehensive list.

Military Discounts to Use When Visiting State Parks

01/25/2018 By Veronica Jorden

When most of us think about the great outdoors, we immediately think of camping, hiking, hunting and maybe even whitewater rafting.

One of the best places to do all of these great outdoorsy things is at national parks, but what if you don’t want to trek all the way to a national park? While places like the Grand Canyon and Yellowstone are worth the hike, chances are you don’t have to take a road trip to explore all of the wonders that mother nature has to offer.

Your next great camping trip might just be up the road at any one of the more than 10,000 state parks.

Every state in the union, from Florida to Alaska and Maine to Hawaii has their fair share of gorgeous state parks. Encompassing more than 18 million acres, state parks have something to offer everyone. Whether you’re a ski fanatic, a hobby fisherman or just want to find a quiet place to commune with nature, chances there’s a state park that offers the perfect day off.

And many state parks offer military and veteran discounts.

Most state parks offer day and annual passes, as well as licenses for fishing, hunting and boating. Some require special passes depending on the activities you plan on engaging in at the park (i.e., primitive camping or RV stays).

And almost every park we researched offered a free annual pass for wounded warrior residents of the state, though the percentage of disability required for the annual pass varied by state.

Military Discounts to Use When Visiting State Parks

Did you know that West Virginia state parks offer a 10% military discount? Plan your next hiking adventure at Blackwater Falls State Park in West Virginia.

For the rest of us, active duty and veterans, the military discounts vary by state and often are offered at each individual park and for limited time periods or only to residents of that state. When in doubt, contact the individual park.

Here are 4 states we found that offer discounts at their state parks:

Georgia State Parks

Georgia offers dozens of state parks, including Fort Yargo, with its 260-acre lake, multiple RV sites and even lakefront yurts for a little weekend glamping. Active duty and retired military — who are Georgia residents — are entitled to a 25% discount on the daily or annual parks pass. A current military or retiree ID must be shown at time of purchase.

Florida State Parks

With over 150 state parks to choose from, if you crave the sun, you’ll find it here. Florida’s state parks include miles of beaches and all kinds of interesting trails including the Tallahassee-St. Marks Historic Railroad trail, with options for hiking, biking and even horseback riding. Active duty military, National Guard and reservists and retirees can received a 25% discount on all Florida state park entrance fees.

However the passes cannot be purchased online.

Maryland State Parks

Maryland culture has long revolved around the water. Dozens of Maryland state parks offer the chance to experience a landscape rich with marine wildlife and ocean views, including Janes Island State Park where visitors can fish and crab to their heart’s content. With a valid military ID all Maryland state park daily fees are waived. Find out more about this park and many others at Maryland.gov.

West Virginia State Parks

With over 50 state parks, West Virginia is a camping and hunting enthusiast paradise. Included in its many offerings is Seneca State Forest, home to rivers, lakes, miles of trails and its famous 65-foot fire tower that offers an incredible bird’s-eye view of the lush forest and woodland.

Best of all, all West Virginia state parks and services offer active duty and veteran personnel a 10% discount.

Looking for another state or a specific state park? Find links to it all by visiting www.stateparks.org.

Have you sign up for Military Shoppers Travel and Rewards community? It’s a free way to save money on your next family vacation.

How to Survive Black Friday Shopping

11/15/2017 By Kimber Green

Black Friday shopping can be exciting and terrifying at the same time. The crowds are huge and so is the pressure. You may feel compelled to go shopping even if you don’t need anything in particular.

For me, Black Friday shopping has been more of a tradition than a necessity.

I’ve always enjoyed the fun with my mom. Here are my top 5 shopping strategies we use to have fun while getting great deals.

How to Survive Black Friday Shopping

What tips do you have for shopping on Black Friday?

5 Tips for Shopping on Black Friday

Make a List

Black Friday is not the time to browse. The stores will be overly crowded with less than friendly patrons. People can be very competitive pushing their way through the store to grab what they came for.

Know what you want to get in and out of each store quickly.

In order to do that, you should make a list.

I always start with a list of who I want to buy Christmas gifts for. I shop throughout the year as I notice things a friend or family member would like and just put it away.

On this list I write what I have already bought so that I don’t overbuy for one person or not buy as many things for another.

I write next to their names a few gift ideas I have for each person. Once I have completed the list, I consider what gifts are the most important to buy on Black Friday to save money. I put those on a separate list.

Compare Sale Ads

Now that I have a list of what I’m interested in buying, I start to look through the ads.  

Black Friday is the only time of the year I buy the newspaper.

I look through the ads and cut out the ones I’m interested in as well as any coupons. Then I look online to see the sales listed for stores in my area and compare prices. I also note items that are listed as minimum quantity in the fine print, that way I know if it’s likely I will be able to buy that item or if it’s even worth trying for.

In some cases it isn’t worth fighting the crowds for on Black Friday. Cyber Monday may have the same or similar products for better prices or the same. Previews for Black Friday and Cyber Monday sales are available early on online.

Reading the fine print of the sales is important. I read those and note what the best option is for getting the product I want.

Create a Shopping Strategy

The next step is to create your shopping strategy. Plan the order in which you want to go to the stores.

I also think about what time I should get there to beat the crowd.

You should also consider how you will tackle the crowd to get to what you want.

It is helpful to have a shopping buddy. You can split up to find what you came for. It’s also easier to have someone with you to help carry your purchases. My shopping buddy is my mom. We make a great team.

Fuel Up

Don’t let hunger get in your way on Black Friday. I prefer to go shopping after having a meal so that I am full and not thinking about food. I also bring a snack and water with me.

Keeping fueled up on Black Friday is important. I treat myself to a latte that day. My mom and I have a tradition of going out to eat after our fun shopping trip.

Consider Logistics

Don’t get so carried away with shopping that you don’t have room in your vehicle to get it all back home.

If you know that what you’re going shopping for on Black Friday is a large item such as a TV, make sure you can fit it in your vehicle. This is not the time to drive your compact car if your spouse or shopping buddy has a larger one.

We always take the SUV on Black Friday.

Along the same lines, make sure you know where you are going to store these gifts until Christmas.

Last year I stored a giant teddy bear, which was taller than my 6 foot husband, for a friend. She certainly had nowhere to hide such a large item from her daughter. Make sure you know where you’ll be taking your purchases to once you’re done shopping.

What tips do you have for shopping on Black Friday?

7 Tips from a Military Spouse to Her Younger Self

11/08/2017 By Veronica Jorden

I won’t say I’m old, but if there was a miracle pill to knock a couple of years off, I’d be interested.

For all of my fears and frustrations about getting older, I know I have earned every gray hair, every fine line. They tell the story of a life that, while it’s had its ups and downs, I really can’t complain about it too much.

But as I watch my oldest child begin to figure out her place in the world and prepare to move out on her own, it got me thinking about myself at her age.

If given the chance what would I want my younger military spouse self to know? What imparting wisdom could I dish out to help make my future just a bit better?

Here’s what I came up with:

7 Tips from a Military Spouse to Her Younger Self

If given the chance what would I want my younger military spouse self to know?

7 Tips from a Military Spouse to Her Younger Self

Attend College

Less than half of American adults have a college degree. I was part of the majority without one until just a couple of years ago.

While a college degree won’t solve every problem, it can open doors and help with career advancement and employment.

Many military spouses already have a degree or some form of formal training before they become military spouses, which is amazing!  But don’t stop learning. If you’re like me and on the 20+ year plan or you are looking for a second or advanced degree, utilize the resources the military community has to offer.

Programs like MyCAA can help junior enlisted and officer spouses to obtain or continue pursuit of a degree. There are scholarships only available to military dependents and there are a great many programs and universities who offer discounted rates to military spouses.

Get your college degree – it will pay off in so many ways.

Find Your Passion

As you move from place to place, a passion or hobby can make wherever you are stationed feel like home.

A passion gives you something to occupy your time when your spouse is fighting in parts unknown.

A passion gives you something to look forward to when those horrible-terrible-no-good-very-bad days rear their ugly heads.

And your passion just might be the icebreaker you need to make new friends who share a similar interest or who are interested in learning.

Learn to Budget/Schedule/Plan

Mind-numbing waiting at the doctor’s office, empty bank accounts and frantic searches for missing berets or boots at zero dark-thirty can all be avoided with some forethought.

If creating spending plans (and sticking to them) or developing schedules and plans doesn’t come naturally to you, buy a book, or take a class or print off one of the million or so examples on Pinterest.

Get good at being organized. It will pay off a thousand-fold in both your finances and sanity.

Pick Your Friends Wisely

It is all too easy to latch onto an unhealthy friendship when you feel out of place or lonely. But, sometimes those friendships born of low-hanging fruit can do more harm than good.

Put in the effort to build real friendships that last. Don’t write people off because of appearances or even first impressions.

Hint: real friendships don’t equal drama, drama, drama!

Save for a Rainy Day

Before you know it, you’ll be looking at retirement.

Or the need for a new car.

Or the desire to buy a house.

Or the desire to have a baby (or two or three!).

This lesson isn’t really military spouse specific, but it is one I wish I had learned much sooner.

Always, always, always, pay yourself first. Even if it’s just $10 a paycheck, get into the habit of putting money away. Your future self with thank you, trust me.

Buy Smart and Don’t Buy on Credit

Hand in hand with saving, be smart about your money. If you can at all avoid it, skip using credit cards for anything other than emergencies.

That $500 want-it-now purchase suddenly turns into a $1,000 burden when you add in all the interest.

Be patient and save until you can afford to pay cash for what you need.

At the same time, don’t deprive yourself of things. Go back to the lesson about budgeting and figure out a way to be smart about what you buy.

Enjoy and Experience

Don’t let the experience of being a military spouse pass you by without taking time to enjoy it.

While the challenges are difficult and never-ending, the benefits and experiences this life has to offer are second to none. See the world, taste the food, take pictures. Meet people, try new things, explore.

Learn to laugh at mistakes, empathize with your neighbor and trust that your presence in every place and moment has a purpose and a reason.

What advice would you give to your younger self? Share it in the comment section.

Military Discounts on Everything You Need for Your Holiday Season

11/03/2017 By Meg Flanagan

It’s the most wonderful time of the year, but those bills sure do pile up fast! Instead of pinching pennies, use a military discount to keep your budget in check.

Military Discounts on Everything You Need for Your Holiday Season

Here’s a list of military deals and discounts available to service members, veterans and military families.

Note: many deals require that service members, veterans and their family members verify their military affiliation through a third-party site, like ID.me or Veterans Advantage.

Food for Your Table

Omaha Steaks: use ID.me to save 10% on great steaks, along with other meats and sides.

Shari’s Berries: add something sweet to the table, near or far, with a variety of discount deals.

Peapod: save a little on the essentials and get everything delivered to your door. Holiday shopping never went so smoothly!

Cracker Barrel: no discounts are advertised, but several sources do note that a discount may be offered at the manager’s discretion. It never hurts to flash your military ID.

Boston Market: if you are enrolled in Veterans Advantage, you are eligible for a 20% military discount. Show your membership card to claim your discount and add a rotisserie chicken to your holiday menu.

Local restaurants: check with local restaurants in your area to see whether they offer any special deals or discounts to active duty troops, veterans or their families.

Stock Up on Socks (and Other Things)

Old Navy: known for jeans, tees and cozy sweaters, Old Navy offers a 10% military discount. Now your family will look super sharp for the holidays.

Aeropostale: get 10% off your purchase in store. Your teens and tweens will love the casual and cool styles.

Carters: get free shipping automatically on orders over $50, including to APO/FPO addresses.

Columbia Sportswear: snag your favorite sports gear at a 10% discount when you verify with ID.me.

Kohls: some locations offer a 15% discount to service members, veterans and families when you present your valid ID. Not all stores are participating, but it always pays to check.

Nike: get 10% off at Nike-owned stores, like NikeTown and factory stores, when you present a valid military ID. Now you can get those new shoes a little bit cheaper.

Under Armour: whether you purchase online or in person, snag a 10% discount. If you are ordering online, verify your military status with ID.me.

Sperry: get a 15% discount on their classic boat shoes and other quality gear when you verify with ID.me.

Send Your Love

1-800-Flowers: if you’re far from home, show you care with flowers. Save 20% when you verify your military status through ID.me.

1st in Flowers: get 15% off flowers when you use the code USMilitary at checkout.

Hickory Farms: families living OCONUS should share this deal with their family back home. Shipping to APO/FPO addresses is free!

Make Holiday Magic

Michaels: if you like to DIY, do it for 15% less every day when you show your military ID at checkout.

Joann Fabrics: when you need to redo your curtains or craft a cute tree skirt, get 10% off at checkout when you show your ID.

Take a Trip

Beaches and Sandals: if you’d like to escape to somewhere warm and sunny, where everything is included, look at this resort company. Beaches is perfect for families with children while Sandals caters to adults-only. Make sure you get your 10% discount by calling an agent to book.

Amtrak: skip the drive and save 10% on train travel. With routes all over the United States there may be a train station close to your holiday destination.

Carnival Cruise: get special rates on select cruises in the Caribbean. Check the calendar to find the best prices on a variety of staterooms.

Princess Cruise: you’ll have a little extra money to spend on board when you use the Military Cruise Benefit Program. Contact the cruise line or your travel agent to learn more.

Disney Parks: save on multi-day park passes to Disneyland and Disney World with Disney’s Military Salute.

Hotel discounts: most major hotel chains offer discounted rates for military troops and veterans based on per diem. Not all hotels will offer discounted rates or the same discount percentage. Be sure to inquire at your preferred hotel for discounted rates and availability.

This list is just a small sampling of possible military deals and discounts available to troops, veterans and their families.

You can access more benefits by joining Veterans Advantage, although there is a fee associated with membership. There are many Veterans Advantage exclusive discounts and deals, which could help your membership fee pay for itself.

ID.me is a free program that helps retailers verify your military affiliation.

Are you a person who loves a military discount? Sign up for the Military Shoppers newsletter to have deals and savings delivered to your inbox.

 

15 Military Discounts for a Great School Year

09/06/2017 By Michelle Volkmann

The back-to-school ritual of buying school supplies, backpacks, lunch boxes, sneakers and clothing can take a bite out of your budget. I know I had sticker shock when buying school supplies for my 2 children. The total cost was insane.

And we still needed to buy new tennis shoes for both of them. I pray that they don’t grow out of their shoes before Halloween.

Military Discounts for a Great School Year

We’ve compiled a list of military discounts to help your child have a great school year.

The costs of getting your kids back to school is no joke. Once school starts, the expenses don’t end. There are still the after-school activities and possibly hiring a tutor to help get your student through chemistry or French.

You can reduce these growing expenses by shopping at stores that offer a military discount. We’ve compiled a list of military discounts to help your child have a great school year.

15 Military Discounts for a Great School Year

Dressing for Success

Old Navy. If you are looking to buy school uniforms (or comfortable school clothes) for your military child, be sure to stop by Old Navy and take advantage of their 10% military discount. This offer is valid for active duty, retired, reserve and military spouses. You must present your military ID card at the time of purchase at the store. This discount is not available for online purchases.

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

Foot Locker. Foot Locker offers a 20% military discount.

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

Payless. This shoe store offers a 10% military discount.

Stride Rite. If you have preschoolers, don’t forget to ask about Stride Rite’s 10% military discount.

Adidas Shoes. Adidas Shoes offers a 10% military discount.

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.

Abercrombie & Fitch. The military discount at this store may be 10% or 15%, depending on the location.

Aeropostale. This clothing store offers a military discount of either 10% or 20% depending on the location.

American Eagle Outfitters. American Eagle Outfitters has a 10% to 15% military discount that is available, at the manager’s discretion.

Claire’s. They have a 20% military discount on accessories and jewelry.

Kohl’s. Kohl’s offers a 15% military discount at select stores nationwide.

Gap. The Gap offers a 10% discount on the first of every month. It is available in store only.

When Your Child Needs Help on His Homework

Tutor.com. Active duty service members and their dependents (grades K-12) can receive free tutoring and homework help through Tutor.com. Tutor.com says that “Students can get personalized help in 40 Math, Science, Social Studies, English and World Language subjects, including Algebra, Statistics, Biology, Essay Writing, Spanish, German and French.”

Tutors are also available to help students prepare for the SAT and ACT.

Students can connect with tutors online through their smart phones and tablets 24 hours a day, 7 days a week. The service is available every day except on January 1, Thanksgiving and December 25.

This free service is funded by the Department of Defense (DoD) MWR Library Program, the DoD Navy General Library Program, the DoD Voluntary Education Program and Coast Guard Mutual Assistance.

Hire a military spouse. Let’s say your wife is the math whiz in your house, but she’s away for training when your teenager is asking you questions about his geometry homework. Consider hiring a military spouse to temporarily or occasionally tutor your child.

Many military spouses have degrees in education and because of various circumstances they aren’t working full-time. They may be interested in spending 5 hours a week teaching your military child. This can be an affordable option for face-to-face tutoring for military families.

Preparing for College Testing

eKnowledge. Is your military child dreading the ACT or SAT test? Consider enrolling her in eKnowledge’s SAT and ACT College Test Preparation Programs. This interactive, multimedia and online course is available to military dependents for free.

When You’re Feeling the Pinch of Private Tuition

Many private schools offer a military discount, but you need to ask for it. Before you pay the enrollment fees, be sure to speak with a school administrator. Parents should be ready to explain their situation (active duty family, one income) and then ask directly if there’s a possibility of a discount.

Did we miss any great military discounts for this list? Please tell us in the comments section.

8 Financial Stressors Military Couples Face and How to Overcome Them

02/17/2017 By Kimber Green

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?

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