A Permanent Change of Station (PCS) move is a major life event for military families, often filled with both excitement and logistical challenges. Whether you’re a seasoned mover or facing your first PCS, proper planning and resourcefulness can make all the difference. Here are five essential tips to help ensure your next PCS move goes as smoothly as possible.
1. Start Planning Early and Use a PCS Checklist
Begin preparations as soon as you receive your PCS orders. Review your report date, destination, and entitlements, and get familiar with your allowances and reimbursement options. Creating a detailed PCS checklist and timeline will help you stay organized, ensuring nothing is overlooked—from updating your address to scheduling utility disconnections. Early planning also gives you time to contact your unit’s personnel office for guidance and to make informed decisions about your move.
2. Organize and Safeguard Important Documents
Keep all critical paperwork—PCS orders, medical and school records, housing documents, and insurance policies—in a dedicated moving binder. Make digital copies for backup and consider using a fireproof or waterproof container for added protection. Having these documents easily accessible will streamline processes at your new duty station and prevent last-minute scrambles
3. Declutter and Strategically Pack Your Belongings
Before packing, take the opportunity to declutter your home. Donate, sell, or discard items you no longer need to reduce the volume of goods to be moved. When packing, group similar items together and clearly label each box to make unpacking easier at your new location. If using movers, set aside a “do not pack” area for essentials you’ll need during the move—such as travel documents, medications, and valuables—to prevent them from being packed away by mistake.
4. Leverage Military Resources & Support Services
Take advantage of resources designed specifically for military families. The Military Moving System can help manage your move and clarify your entitlements. Local military family support centers offer guidance on housing, schools, and moving assistance. If you prefer professional help, consider services like Moving Help, which connects you with experienced moving labor providers familiar with military relocations.
5. Budget for Hidden & Upfront Costs
PCS moves often come with unexpected expenses, from packing supplies to temporary lodging and pet transportation. Outline all anticipated costs and understand what your dislocation allowance (DLA) will cover—and what it won’t. Plan for upfront payments, as reimbursements can take time to process. Having a clear budget will help you avoid financial surprises along the way.
How a Military Loan Can Help Smooth Your PCS Transition
Even with careful planning, the financial strain of a PCS move can catch military families off guard. Expenses like hiring movers, buying packing supplies, and covering
temporary accommodations may not be fully reimbursed or may require upfront payment before allowances kick in.
By securing a military loan1, you can reduce the stress of waiting for reimbursements, cover unexpected costs, and focus on settling into your new home with peace of mind.
Omni’s Military Loans are designed to support you every step of the way—making your PCS move not just manageable, but truly smooth! Apply today to see if you qualify. You can apply online, by phone at 1-877-OMNI-USA, or in person at one of our local branches to speak with a trained loan specialist!
1 Must be 18 years or older to apply and meet standard underwriting criteria. Loan amount, rates, and terms may vary based on your state of residence. This blog is for informational purposes only. It should not be considered legal or financial advice. You should consult with a financial professional to determine what may be best for your individual needs. Visit the individual websites for complete details including hours of operation and pricing information. Information can change at any time. Omni Financial does not endorse, recommend or imply affiliation with the listed companies, events or organizations.
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