Each year, more than 400,000 Active Duty Servicemembers receive Permanent Change of Station (PCS) orders, according to the Department of Defense’s Military OneSource. Whether you’re headed across the country or around the world, a PCS marks the start of a new chapter—and a unique opportunity to get organized and financially prepared.

“Just like any relocation, when moving to a new duty station, it’s a good idea to do your homework,” said Thomas Racca, manager of personal finance management at Navy Federal Credit Union. “Talk to others who’ve lived at that base. Check out online reviews and visit the area if you can.”

From budgeting for upfront costs to connecting with military-friendly real estate agents, here are key steps to help make your PCS move easier:

1. Get your checklist in order.

One of the best ways to ensure a smooth move during a PCS is a comprehensive checklist. This can serve as a guide to help keep your important documents, tasks and schedules organized. For example, Navy Federal has a PCS checklist that covers everything from timelines to to-do’s and helps you avoid last-minute surprises.

2. Review your budget.

“It’s so important to do this periodically—to know where your money is going, opportunities to reduce spending or increase savings, and avoid negative spending habits that could take a long time to repair,” said Racca.

Even with military allowances and reimbursements, there may be some costs that you have to cover on your own before being paid back. Use a monthly spending calculator to plan for expenses and start saving money as soon as you can. Knowing your numbers upfront helps prevent financial strain down the road.

“Online tools such as Navy Federal’s My MakingCents can help you to track spending and create a budget, all just a few clicks away,” said Racca. “Don’t forget about quality of life! Being closer to good schools, restaurants, parks, movie theaters or grocery stores may be drivers for your choice. It all goes back to having long term goals and balancing them against your day-to-day comfort,” said Racca.

3. Navigate housing options with confidence.

The military offers housing options on-base for Servicemembers, but many choose to live off-base in the local community too. It all depends on various factors such as branch of service policies, rank, marital status, housing availability at your new installation and more. “It’s also all about balancing convenience with the potential to save or upgrade your lifestyle,” said Racca.

Typically, with on-base housing, you won’t have to pay rent, utilities or deal with landlords; it’s all covered. On the flip side, you also don’t get to keep your full Basic Allowance for Housing (BAH) (or OHA if you’re stationed overseas). Off-base housing lets you use your BAH/OHA to cover rent and other costs.

“It’s smart to meet with a trusted financial advisor when big financial changes are underway,” added Racca. “Think about what matters most to you – cost, location, community, or convenience – and base your choice on that. No matter what, planning ahead and staying flexible will help you make the best decision for you and your family.”

4. Lean on resources, tools and 24/7 support.

Moving can be unpredictable, but getting support for your finances doesn’t have to be. For example, Navy Federal’s mobile app, travel notifications and 24/7 access to stateside member service representatives can help keep you connected and in control—wherever you are.

“We’re all creatures of habit, and setting ourselves up with a positive environment and being around others that we want to emulate goes a long way towards helping us reach our long term financial goals,” said Racca.

With the right planning and the right support, your next move can be your smoothest one yet. To explore Navy Federal’s PCS offerings, visit navyfederal.org/pcs.

This content is intended to provide general information and shouldn’t be considered legal, tax or financial advice. It’s always a good idea to consult a tax or financial advisor for specific information on how certain laws apply to your situation and about your individual financial situation.