Guest Blog: Tips for Staying on a Military Budget

August 7, 2013

by Michelle, Military Spouse and Exchange Guest Blogger

As a stay-at-home mom and military spouse living on one budget, I know how tough it can be budgeting for groceries and paying bills each month.  I’ve become quite the frugal shopper and have come up with a few tips to help ease the crunch and help you save money so you can splurge every once and a while.

Shop at the Commissary and Exchange
One of the greatest perks that military spouses have is getting great discounts on brand-name items at their base Exchange, tax-free. Plus, if you compare apples to apples, the Exchange has lower prices than their off-post competitors. Even if you do find a cheaper price at a retailer off-base, take the ad into your Exchange and they will price match! And as for grocery shopping, shopping at the Commissary actually saves you about 30% or more than the local grocery stores!

Military Discounts
This is definitely one perk of military life that you’ll want to take advantage of. Several stores, restaurants, car dealerships, and even insurance companies offer military discounts. Do some research online to see if your favorite store offers a military discount, and even email them or give them a call. It doesn’t hurt to ask.

Childcare Discounts
With monetary assistance from NACCRRA {the National Association of Child Care Resource & Referral Agencies}, you’ll be able to save significantly on daycare expenses. They do participate with on-post childcare; however, you may want to have a backup, as there can be a waitlist for on-post care. For married soldiers, the spouse must be working, looking for work, or attending school in order to be eligible for this program.

Collecting Unemployment
If you are a working military spouse and your husband has received orders to transfer to another duty station, you may be eligible for unemployment benefits because your decision to leave your job was not any fault of your own. You will need to check with your state’s unemployment agency to see if you qualify. You’ll also need to apply and fill out a lengthy questionnaire as to why you quit and attach a copy of your notice-to-quit and spouse’s orders. If you are approved, depending on your state’s unemployment guidelines, you will need to show proof that you are looking for work each week.

What tips do you have for staying on a Military Budget? Post them below! To be an Exchange Guest Blogger, click here.

The opinions expressed in this guest blog are those of the author and do not necessarily reflect the positions of the Army & Air Force Exchange Service.

Leave a Comment

{ 2 comments… read them below or add one }

Zinaida G September 4, 2013 at 11:28 pm

Hello Admin,

My name is Zinaida. I’m a content writer and editor. I am highly interested in contributing an unique, informative and relevant article for your site (

Hope you will give me an opportunity.

Looking forward to hearing back from you.

Thanks & Regards

Zinaida Grace
Content Developer & Writer
Skype – zinaida.grace


admin September 12, 2013 at 3:52 pm

Unfortunately, we’re currently not looking for any new guest bloggers. We’ll certainly keep you in mind for the future if we decide to add additional ones though.


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