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Marine Corps
Financial Management Program
14th Street & C Street
Building 13150
Marine & Family Programs Bldg.
Camp Pendleton, CA 92055
760-725-6098
760-725-6209
760-725-8969
312-365-6098
312-365-8969
Contact information for key programs and services at this installation.
Resources are available to help you understand and manage your finances, including one-on-one financial counseling to assist you and your family with financial readiness. Services are designed to focus on money management issues throughout your active-duty lifecycle and into retirement. Financial readiness educational opportunities range from basic planning to long-term investing. Check out the information below to see what’s available at your installation.
Most people are so busy with day-to-day living and do not take the time to acquire the financial education necessary to secure a better and more prosperous future.
Marine and Family Programs, personal and professional development branch, personal and professional development and the personal financial management program offer financial guidance to those experiencing money management difficulties or for those who wish to be in control of their finances, or looking on how to invest for their future. Financial planning seminars and workshops are being offered bi-weekly.
Financial counseling is available to individuals, couples and groups. Topics discussed range from checkbook balancing and basic budgeting to home buying, selling and investments. Educational workshops cover topics such as:
Participants can equip themselves for a better financial future by attending these seminars and applying the financial keys introduced during these workshops.
Contact Marine and Family Programs’ personal financial management specialists at 760-725-6209 for an appointment, to arrange for group counseling or for financial fitness Train the Trainer, for command financial specialists or for corporal for financial fitness training.
For more information, go the Marine Corps Community Service’s financial management program website.
http://www.mccscp.com/money
The purpose of advance pay is to give funds to a service member to meet extraordinary expenses incident to a permanent change of station. It is intended to assist with the out-of-pocket expenses, not typical of day-to-day military living, that precede or exceed reimbursements incurred in a member’s change of duty locations.
An advance of pay is not authorized for specific out-of-pocket expenses covered by advances of other allowances and entitlements including travel allowances and per diem, Overseas Station Housing Allowance, Basic Allowance for Housing and Dislocation Allowance. The service member's commander has a responsibility to ensure a pay advance is used only to help the financial burden of a PCS.
A service member may be paid an advance of basic pay not to exceed three months less deductions. Service members are normally required to pay this advance back in the form of a pay deduction over a 12-month period.
If you are facing a PCS, be sure to contact your pay office to determine if you will benefit from an advance on your pay.
San Diego County and the city of Oceanside are high-cost living areas with the high cost of housing being at the top of the list. Do come financially prepared! Bring enough money to cover expenses such as food, rent deposits, and temporary lodging, whether it is on base or off base. Also, allocate enough funds for expenses for which you will be reimbursed when you settle your travel claim with Disbursing. For money-related issues, you can make an appointment with the personal financial management specialists at Marine and Family Programs or see a budget counselor at the Navy-Marine Corps Relief Society.
Oceanside, CA is ranked 14 out of 273 cities across the US in terms of cost of living. The cost of living in Oceanside is 140% of the national average. Average monthly cost of living for Camp Pendleton and the local community for families with children in Oceanside, California, is $2,600. By comparison, the average monthly cost of house and home for families with children in the United States is $1,578. This includes utilities and home maintenance.
Visit the Temporary Housing page for more options.
Car Insurance
The minimum liability insurance required in California for private passenger cars is $35,000. It’s broken down into three categories:
$15,000 for injury or death of one person
$30,000 for injury or death of more than one person
$5,000 for damage to property
It's easy to remember these as 15/30/5.
This is the absolute minimum insurance you can carry and still drive your car. Most people buy more coverage than this. Your insurer may recommend coverage in the range of 100/300/100.
Personal Financial Management Program
Most people are busy with day-to-day living and do not take the time to acquire the financial education necessary to secure a better and more prosperous future.
The Personal Financial Management Program, offered through the Personal and Professional Development branch of Marine and Family Programs, offers financial guidance to those experiencing money management difficulties or for those who wish to be in control of their finances and are exploring how to invest for the future. Financial planning seminars and workshops are offered bi-weekly.
Financial counseling is available to individuals, couples and groups. Topics discussed range from check book balancing, basic budgeting and investments to home buying and selling. Educational workshops cover topics such as:
Developing a Spending Plan — basic budgeting, personal savings plan, paying bills on time
Tackling Debt — the consequences of not paying debts, effects of bankruptcy
Basic Banking — reading leave and earning statements, how to select a bank, types of checking and saving accounts
Credit Management —establishing credit, choosing credit cards, understanding APR and finance charges
Ethical Financial Behavior — determining the difference between want and need
Car Buying Maneuvers — buying vs. leasing, how much monthly cost of new or used vehicle you can afford
Home Buying Preparation — appraisals, mortgages, financing and escrow
Participants can empower themselves for a better financial future by attending these seminars and applying the financial keys introduced during these workshops.
Contact Marine and Family Programs to make an appointment with a personal financial management specialist, to arrange for group counseling or to schedule training for Corporal for Financial Fitness or Financial Fitness Train-the-Trainer for Command Financial Specialists.
Advance Pay
The purpose of Advance Pay is to give funds to a member to meet extraordinary expenses incident to a permanent change of station. It is intended to assist with the out-of-pocket expenses, not typical of day-to-day military living, that precede or exceed reimbursements incurred in a member’s change of duty locations.
An advance of pay is not authorized for the specific out-of-pocket expenses covered by advances of other allowances and entitlements, if those advances are used. Those advances include Travel Allowance and Per Diem, Overseas Station and Housing Allowance, Basic Allowance for Housing and Dislocation Allowance. The member's commander has the responsibility to ensure that an advance of pay is used only to help with the financial burden of a PCS.
A member may be paid an advance of basic pay not to exceed three months less deductions. Service members are normally required to pay this advance back, in the form of a deduction in pay, over a twelve-month period.
If you are facing a PCS move, be sure to contact your pay office to determine if you will benefit from an advance on your pay.
The minimum liability insurance required in California for private passenger cars is $35,000 and is broken down as follows:
It's easy to remember this formula as "15/30/5."
This is the absolute minimum you can get and still drive your car and most people buy more. Your insurer may recommend coverage in the range of 100/300/100.
Release 2024.03.06.1