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.


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

The Military Spouse and Deployment

Posted on Wed, Nov 30, 2011

Military Spouse

Whatever your branch of service, and if you’ve experienced, are experiencing or are about to experience the distance caused by your spouse’s deployment, this blog article is for you. In the wake of your significant other’s long-term absence, a lot is going on - both in life and in the mind. Children, if applicable, are growing and changing. Important happenings are occurring that you would love to be able to share – in person. You’re happy, sad, lonely, excited and frustrated. You may have accepted there will be no more hugs or kisses. Intimacy is definitely out the window and a good face to face conversation will be, or is now, a thing of the past.

Don’t let the ebb and flow of a deployment drag your relationship under. There are ways to combat the negativity and keep your marriage on the right path when your spouse is gone.

COMMUNICATION: Whether it’s via email, phone or letters, you have to remember to communicate. If you’re having a hard day, or week, be open and honest about it. Don’t keep things bottled up inside. Let it out! Your spouse is your best friend right now and they need to hear these things almost as badly as you need to dispel them. Leave no pressing subject unrevealed. Even if they don’t ask, please, still tell. Resentment could build if this is not taken care of properly. Everyone will deal with the distance in their own way, but communicating your life and current needs is very important.

STAY POSITIVE: Even if you don’t feel positive, act like it. The above-mentioned communication is a must, but trying to remain positive is really the key. When you get to talk to your spouse, and if nothing terribly important needs to be addressed, tell them about your day; what you did or where you went. Recall funny instances with your children or pets. Talk about friends, family or someone new and interesting you met. Keep the brave face on. It is just as important for your significant other to know you’re having a bad day as it is for them to know you’re also okay. Mastering the technique of balancing positive communication and pressing issues will be hard, but it must be done.

CARE PACKAGES: With an array of care packages to choose from on the Internet, there should be no shortage in sending these. Put your own spin on one and have fun putting it all together. Pick a date each month you want to send one out and think of how excited your spouse will be to receive it.

PUT YOURSELF IN THEIR SHOES: How would you think or feel if you were the one who had to be completely separated from family and friends? Okay, so some days your significant other isn’t the best conversationalist; they only want to discuss work and they don’t even ask about your day. They seem distant or disconnected. Or perhaps they’re even a bit clingy. Either way, take a frustrated step back and try to imagine how you might be handling the distance from their perspective.

REMEMBER, YOU LOVE EACH OTHER: Don’t forget, there is a reason you both are doing this. There is a reason you both signed on. You knew your love had no bounds and that no amount of distance or time could ever truly separate you. Is this one of the hardest things you’ve ever done? Yes, it is. Does the distance and longevity test you mentally on a daily basis? Of course it does. But of all the things listed, this one is the most important. Because no matter how hard or vexing this has been, you must always remember you love each other.

Written by Sarah Shepherd
Sarah is a proud Navy wife and stay at home mom. She enjoys writing freelance articles in her spare time and composes writings on a variety of subjects.

Tags: Trans World Assurance, military move, military spouse, deployment