Financial Assistance

Due to the cost of living, it is recommended you work with your local Military and Family Readiness Center to review your spending plan before you PCS to Germany. When you arrive at Geilenkirchen we will discuss unique topics for the local area, including the Euro/dollar exchange, Cost of Living Allowance and banking options. Please ensure you attend Newcomers Orientation conducted by the Military and Family Readiness Center to get specific answers to your questions. The Military and Family Readiness Center is here to assist you and your family throughout your tour. Regardless of where you are financially, we can provide education and resources for you and your family, including money management and how to reach your short-, mid- and long-term financial goals.

Before moving to Geilenkirchen, carefully review your finances and project future expenses to prepare for all contingencies. If married, include your spouse in planning. The Military and Family Readiness Center offers budgeting and financial counseling if needed. Moving to Geilenkirchen often costs more than other PCS moves due to hidden expenses. Plan carefully and consult the Military and Family Readiness Center before and after arrival.

Housing

• Upfront costs for rental housing, such as deposits and first month’s rent, can be substantial. Choose housing within your allowance due to currency fluctuations. Ask the Finance Office if your security deposit can be suspended until your tour ends, reducing financial burden.
• In Germany, use standing orders for fixed recurring payments (rent, insurance) and direct debit for variable payments (utilities). Set up an account with a local bank to access these services.

Air and Space Force Aid Society

• The Air and Space Forces Aid Society expects most Air Force moves to be covered by official sources but can assist with unique PCS and relocation situations.
• AFAS may help with emergency expenses and unreimbursed PCS costs.

Vehicle

• Auto insurance may cost more in Germany.
• American car parts are often unavailable in Europe and may need to be ordered from the U.S.

Household Expenses

• Utility costs vary by family size and usage. Some household costs may not be fully covered by your allowance.
• Electricity, gas, trash, phone and water often cost more in Germany and may require adjustment for most families.
• Household waste disposal is charged monthly based on estimated weight and included in “Nebenkosten.” Overages must be paid at year-end. Recycling helps lower these costs.

Average Monthly Utility Payments

• Utility payments are set on estimated usage by family size and home size, but Americans often have higher expenses than local German families.
• Monthly utility payments act as deposits, reconciled yearly to determine overpayment or underpayment. You may owe or receive a refund at year-end.
• Conserve energy to avoid unexpected costs. Set aside unused utility allowance for year-end reconciliation.

Utility Tax Avoidance Program

• The Utility Tax Avoidance Program helps U.S. personnel avoid up to 30% in utility taxes during their tour. Enroll through the U.S. VAT office in Geilenkirchen for significant savings.

You will have easy access to foreign currency in the Geilenkirchen area by using an ATM card. Work with your financial institution to find out how many ATM transactions you are allowed before the bank or credit union imposes a fee. Be sure you know your personal identification number before leaving the United States.

Save yourself money in finance charges before you leave the U.S.: Contact your credit card company and see what kinds of deals they offer to military members stationed overseas.