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RAF Mildenhall

Cost of Living

Start saving 6-12 months before PCSing to the U.K. Moving to and living in the U.K. can be expensive as it is a high cost of living area for the military. Prepare and start saving for the move months before you PCS. One of your immediate concerns should be to assess your present financial status and then construct a spending plan based on current finances and projected future expenses.
Remember, there are always unplanned costs with a permanent change of station move, so being prepared is the key to a successful relocation. For assistance with creating a spending plan, contact the Military and Family Readiness Center at your current location. Building a spending plan means knowing what your entitlements will be and what type of expenses you can expect when you arrive at your next duty location. Work closely with your sponsor to estimate anticipated expenses.

Major items such as shipping pets, vehicle purchases, vehicle/home insurance, heating oil, utilities, rent, UK Road Tax and UK TV license, etc., should top your list. To help offset the higher price of non-housing goods and services, you will receive an Overseas Cost of Living Allowance (COLA). To find more information about COLA, visit the Defense Travel Management Office website. Remember that in securing rental housing at a new location, you may be required to pay advance rent (which can range from 900 pounds to 2,500 pounds) and also a security deposit, which is a major expense.

Personnel should also be prepared to defray added expenses not normally found in the states: For example:

  • Television license (annual cost is approximately 160 pounds)
  • Vehicle Ministry of Transport (MoT) roadworthy tests (approximately 60 pounds in addition to the cost to fix any problems identified to meet safety requirements)
  • Vehicle road tax (annual cost is approximately 300 pounds a year for imports, and up to 800 pounds a year for cars bought in the U.K.) Research cost of road tax for a vehicle before you purchase it as this is based on age of the vehicle, fuel type and CO2 emissions.

Additionally, depending upon your present financial situation, you may want to consider the following options:

  1. Pay off as many bills as you can before you PCS.
  2. Negotiate lower interest rates with your creditors. When possible, consider paying your bills by allotment or a Direct Debit from an account. Sometimes a creditor might lower the interest rate you pay if you ask them and pay by certain bills by Direct Debit.
  3. Anticipate delays in paying your bills from the overseas area. Let your creditors know you are moving and set up a payment schedule accordingly.
  4. Comparison shop for needed items before coming overseas.
  5. Anticipate clothing requirements so you're not burdened with the expense of buying clothing when you arrive.
  6. Check local merchants for clothing items, etc., and then ask your sponsor to provide you with an average cost of the items at AAFES or on the local economy.
  7. Ensure newly purchased electronics are dual voltage. Research which electrical items will need a transformer or an adaptor before being plugged in.
  8. Start saving and establish a savings plan as soon as you know you are relocating. This can help you defray unexpected expenses.
  9. If you're presently a two-income family, anticipate a possible delay for your spouse finding employment. There are jobs available, but employment may require flexibility and be different overseas from your present situation. One recommendation is to immediately start adjusting your families’ spending habits to one income.
  10. If possible, avoid taking an advance on your pay (i.e., advance TLA, pay, etc.) until you arrive here and can assess exactly how much you'll need and for what purpose.

More details on managing personal finances to assist with your move to the U.K. can be found in the 'Financial Assistance' section of Military and Family Readiness Center support.