Filed under: Military life
Money issues tend to be a major source of stress for Americans, and military families are no exception. Financial stress can increase your risk for poor health and have a negative impact on productivity and mood. Stress over money can reverberate through your relationships too. For example, couples who are under financial stress are more likely to be hostile and aggressive with each other and less secure and happy in their relationships. So what can you do to reduce your stress over money?
Here are some tips from Building Resilience in the Military Family:
- Have each family member discuss his/her financial dreams, how to make money decisions, and who will manage the money. (If there are differences, try the tips on HPRC’s “Making Decisions” card)
- Save at least $1,000 for unexpected expenses and, ideally, six months of your total monthly expenses.
- Work on paying off debt. Figure out a plan to pay off your debts, no matter how long it will take to get rid of them.
- Create and use a budget. This planning tool from Military OneSource can help you make a financial management plan.
- Save for retirement. A good rule is to save 10–15% of your gross income in retirement accounts annually.
- Check your credit. Knowing your credit history and credit number can help you spot identity theft and/or motivate you to stay (or become) responsible.
- Create a will. Setting up a will is important no matter your age.
Think about whether you have the insurance your family needs. Do you have health insurance, auto insurance, home/renters insurance, and life insurance?
Building family resilience is a process that lasts a lifetime, but it can be immensely rewarding. But what is resilience and how can military families in particular build it? HPRC has a resource called “Building Family Resilience” that can give you answers to these questions. The article covers military-specific stressors for families—including how deployment and reintegration impact family relationships, war-related physical and mental health conditions, and individual stress responses and risky behaviors in family members, both adults and children. It also highlights three key resilience-building skills—mind-body, cognitive-behavioral, and communication—and highlights resources to build resilience. Check it out.
For more information on building family resilience, check out the Family Resilience section of HPRC’s website.
November 11th is Veterans Day. HPRC would like to take this moment to thank each and every one of our Veterans and their family members who have so selflessly served our country. The VA describes Veteran’s Day as “a celebration to honor America’s veterans for their patriotism, love of country, and willingness to serve and sacrifice for the common good.”
Thank you to our Vets!
Pre-deployment can mean a number of things to a Warfighter, from intense training or drills to saying farewell to family and friends. Preparation for deployment can be over months or at a moment’s notice with little or no time to settle your affairs. It’s important to have a checklist and contact list ready to use prior to your departure so you’re ready, whatever the scenario.
Having your personal finances in order should be a high priority. Options for being ready might include contacting a financial advisor, setting up automatic deposits and withdrawals, creating a monthly budget, checking into over-withdrawal options, adding a close friend or family member to your account to act in your absence, and reviewing your financial information and account numbers with a responsible person. Once all your financial ducks are in a row, your finances will be easy to maintain.
Your checklist should also include items such as legal documents, personal property review, auto and home insurance and maintenance, medical information, and international phone coverage.
Ever wonder how many military families live on installations, how many have children, what schools they attend, and the children of fallen service members? Military OneSource has created an "infographic" to give context on the demographics for military families. Check it out.
For information and resources geared specifically for military families, check out HPRC’s Family & Relationships domain.
It’s the New Year! If you’re already despairing about resolutions, keep in mind that making small changes in behavior that fit easily into your lifestyle are good options for family health and weight loss over time. For one month, try choosing three small habits to focus on changing that you can apply to any situation, whether you’re at home, overseas, or travelling. Try setting up email or calendar reminders if that helps you, or put up tangible reminders such as sticky notes around your house. To get you started, here are some ideas:
- Keep unhealthy foods such as potato chips, cookies, etc. out of sight so they are less tempting.
- Put down your fork and knife between bites.
- Portion out “snackable” foods that come in large bags/containers into smaller one-serving containers, so you don’t keep dipping in.
- Choose water over soda.
- Keep fresh fruit on hand to replace fatty, high-calorie snacks.
For more help, Military OneSource has a Health and Wellness Coaching Program that can help you lose weight and improve your overall fitness. Finally, for more information on making healthy food choices for you and your family, visit HPRC’s Family Nutrition section.
Beginning on November 1st the U.S. Army will bring back the requirement to pass the Army Physical Fitness Test, including weight standards, in order to enroll in professional military education courses. Initially this requirement was waived due to the great demand for soldiers during OIF and OEF. Sgt. Todd McCaffrey states, "Reestablishing the Army physical fitness test and height/weight standards into our professional military education programs reinforces the efforts the Army's senior leaders have been emphasizing on standards based training and education." For information on how to meet these requirements, visit HPRC’s Fighting Weight Strategies, service-specific Physical Fitness Guides, and Policies, Standards, Reports, and Guidelines.
Post-deployment life presents challenges on many fronts, including, or particularly, reestablishing relationships. The relationship between children and the returned parent often takes time to rebuild—possibly several months. This amount of time is normal, and an effort should be made to not take it personally. Rather, build positive family bonding through activities like going to the park or playing games, and allow time for the relationship to redevelop.
The American Psychological Association has officially recognized what animal lovers knew all along: pets are good for one’s mental health. Warfighters need help to reduce stress and support their mental health, and having a pet may provide some helpful companionship. The problem is that Warfighters end up going places their pets can’t go—so what do they do? They either don’t get pets in the first place, or they end up having to find places for their pets while they are deployed—a big source of unwanted stress. Unfortunately, when family or friends can’t help, that place may end up being a shelter. The American Humane Association has advice for military personnel, including making plans for the care of pets and, when all else fails, finding a foster home through organizations such as Military Pets FOSTER Project. So don’t stress out about your pet—or about getting one, if you’ve been putting it off. Hooah!
Memorial Day began as “Decoration Day” after the Civil War. In 1882, Decoration Day became widely known as Memorial Day, and after WWII it became a day to remember all our fallen heroes, not just those from the Civil War. In 1967, Congress passed the law making it an official holiday to be celebrated on May 30, subsequently changed to the last Monday of May. We at HPRC extend our greatest appreciation to those who have perished for our nation and offer our sincere sympathy for the families left behind. There are many ways people choose to remember those who gave their life as a supreme sacrifice to our country and its ideals, but most involve outdoor activities with families. HPRC (www.hprconline.org) is dedicated to providing our Warfighters and their families the information they need to build their resilience to prevent injury and illness and carry out their missions as safely and effectively as possible. Our desire is to reduce the level of sacrifice our warriors have to make as they fulfill their future missions for us and for our Nation.