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United States Navy
Personal Financial Management (PFM), FFSC
AYASE-SHI FUKAYA OOGAMI
Atsugi Japan 252-1101
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.
The cost of living in Japan is higher. The Navy compensates for this difference by a Cost of Living Allowance (COLA) included in the active duty service member's pay. The amount of COLA is adjusted as the yen rate fluctuates.
We recommend you to carry yen when you are traveling with your family in Japan. Dollars are not accepted and not all credit cards are accepted throughout Japan. You can change dollar to yen at Narita Airport upon your arrival.
It would be wise for incoming personnel to pay off as much debt as possible before coming to NAF Atsugi. CSD does not encourage personnel to take advance pay for any purpose other than to cover debt. Please remember that advance pay is a loan, not a gift. It must be paid back.
Housing Costs: The Navy will provide assistance including Temporary Lodging Assistance (TLA) and Move-In Housing Allowance (MIHA). However, incoming personnel will not receive this assistance directly upon arrival. To move into a Japanese residence, one must pay the following: Appreciation Money (one month's rent) + Agent's Fee (one month's rent) + Security Deposit (one month's rent) + one month advance rent. Therefore, one should have four month's rent to move in to his/her off-base residence. The Appreciation Money and Agent's Fee are reimbursed by the Navy. It is wise to prepare to pay for miscellaneous expenses out-of-pocket and consider allowances to come later as reimbursement.
Overseas Housing Allowance (OHA) is based on rate and rank, marital status of service member and the yen rate. The leasing amount of off-base housing referrals is based on fair market values conducted by NAF Atsugi Housing Service Center. The prices range from 67,000 yen to 318,000 yen ($728.26-$3456.52)depending on unit's size (384 sq ft to 2077 sq ft), number of bedrooms, location and year built.Allowance for utilities are the following:
MIHA Miscellaneous $683.88 is a separate, one time only payment.
These allowances are subject to change due to fluctuations of the Yen rate.
Transportation Costs: We recommend to incoming personnel to have $1,500 - $3,000 to cover the purchase of a car and miscellaneous expenses such as: Fees are based on rank, rate and age of an individual.
Atsugi's Fleet and Family Support Center's Personal Financial Management Program provides financial education, training and counseling that emphasize long-term financial responsibility through instruction on sound money management, debt management, saving, investing and retirement planning. Classes offered:
Financial Management Services
Counseling and resources are available as well as a variety of workshops including savings and investment, car buying strategies and budgeting assistance. Classes are given both as requested and on a scheduled basis.